This audit was generated on April 19, 2026

The data may no longer be up to date.

Visibility Audit by Applyra
cred.ai

cred.ai

cred.ai

USUSen-US3.1 / 5866 reviews Mar 31, 2026

Visibility Score

54Solid

Visibility Breakdown

How your app performs across different visibility factors

Keyword Performance
68
Based on keyword rankings
Keywords analyzed10
Ranked in top 1003
Chart Rankings
0
Position in store charts
Global chartNot ranked
Category chartNot ranked
App Quality
63
Rating and recency signals
Rating3.1 / 5
Last updatedThis month

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Keyword Rankings

Your app's position for key search terms

10

Keywords analyzed

3

Ranked in top 100

2

In top 10

Keyword Performance
Rankings, traffic and difficulty for each keyword
KeywordRankTrafficDifficultyAheadBehindTop 5
cred.ai#1
85
37
—
cred.ai Pro
cred.ai
1
cred.ai Pro
2
CREDAI National
3
CRED: Credit Cards, Bills, UPI
4
Chase Mobile
5
metal credit card#1
63
38
—
Elan Credit Card
cred.ai
1
Elan Credit Card
2
Zable Credit Card
3
Credit Card Checker
4
HUE/First Savings Credit Card
5
virtual credit cardOpportunity#87
71
43
Virtual Card Holder
Credit Card Manager
Zable Credit Card
1
Sparrow Card App
2
PREMIER Credit Card
3
Atlas - Rewards Credit Card
4
Aven Card
5
mobile credit builderOpportunityNot ranked
50
44
——
Kovo - Build Credit Fast
1
Kikoff - Build Credit Quickly
2
Self – Credit Builder & Cash
3
Firstcard: Credit Builder Card
4
Seen Mobile - Build Credit
5
credit score managerOpportunityNot ranked
51
42
——
myFICO - Credit Score Tracking
1
Credit Score Check & Report AI
2
Experian®
3
Credit Sesame: Grow your score
4
Kikoff - Build Credit Quickly
5
digital walletOpportunityNot ranked
60
49
——
Google Wallet
1
Samsung Wallet (Samsung Pay)
2
Wallet - Digital Wallet Card
3
DANA Indonesia Digital Wallet
4
Cash App
5
credit utilization trackerOpportunityNot ranked
44
42
——
Credit Tracker
1
Debt Payoff Planner & Tracker
2
myFICO - Credit Score Tracking
3
Credit Score Check & Report AI
4
Intuit Credit Karma
5
mobile spending trackerOpportunityNot ranked
51
38
——
Spending Tracker
1
Wallet: Budget Expense Tracker
2
Money Tracker-Expense & Budget
3
MyMoney—Track Expense & Budget
4
Rocket Money - Bills & Budgets
5
interest free creditOpportunityNot ranked
52
44
——
Kovo - Build Credit Fast
1
Self – Credit Builder & Cash
2
WalletHub: Credit & Budgeting
3
Credit One Bank Mobile
4
Seen Mobile - Build Credit
5
credit builder appOpportunityNot ranked
76
44
——
Kovo - Build Credit Fast
1
Kikoff - Build Credit Quickly
2
Self – Credit Builder & Cash
3
Build & Fix Credit - Dovly AI
4
Intuit Credit Karma
5

Keyword Competitors

Apps positioned directly before or after yours on keywords

Ranking ahead of you
Apps that outrank yours on shared keywords
Virtual Card Holder

Virtual Card Holder

Productivity

2.7Ahead1x
Ranking behind you
Apps that you outrank on shared keywords
cred.ai Pro

cred.ai Pro

Finance

3.6Behind1x
Elan Credit Card

Elan Credit Card

Finance

4.6Behind1x
Credit Card Manager

Credit Card Manager

Finance

4.2Behind1x

Occurrence count shows how many keywords each competitor appears on

Category Ranking

Finance chart position

Finance
Not currently ranked in top 200
Cash App

Cash App

★ 4.7
TurboTax: File Your Tax Return

TurboTax: File Your Tax Return

★ 3.9
PayPal - Pay, Send, Save

PayPal - Pay, Send, Save

★ 4.2
4
Chime® – Fee-Free Banking

Chime® – Fee-Free Banking

★ 4.7
5
Venmo

Venmo

★ 4.1
6
OnePay – Mobile Banking

OnePay – Mobile Banking

★ 4.8
7
Testerup: Test & Earn Rewards

Testerup: Test & Earn Rewards

★ 4.2
8
Capital One Mobile

Capital One Mobile

★ 4.5
9
Intuit Credit Karma

Intuit Credit Karma

★ 4.7
10
Progressive

Progressive

★ 4.6
11
Google Wallet

Google Wallet

★ 4.4
12
Klarna: Smarter everyday money

Klarna: Smarter everyday money

★ 4.8
13
Chase Mobile

Chase Mobile

★ 4.8
14
Wells Fargo Mobile®

Wells Fargo Mobile®

★ 4.8
15
State Farm®

State Farm®

★ 4.6

Improve your ratings and downloads to climb the category charts.

AI-Powered Analysis

Personalized insights generated by our AI

cred.ai ranks #1 for its brand and "metal credit card" but struggles to rank for high‑traffic keywords and has a low rating, resulting in a modest visibility score of 54/100. Immediate focus should be on expanding keyword rankings and boosting app quality signals.

Brand Dominance
high

The app holds the #1 position for its brand keyword "cred.ai" with a traffic potential of 85 and moderate difficulty (37), establishing strong brand recall in search.

Metal Card Keyword
high

Cred.ai also ranks #1 for "metal credit card" (traffic 63, difficulty 38), capturing a niche, high‑intent search segment that aligns with its product offering.

Low Rating & Reviews
high

A 3.1‑star rating from 866 reviews drags down the Quality Score (63%) and likely reduces conversion; competitors with similar features maintain higher ratings.

Missing Keyword Rankings
high

7 of the top‑10 target keywords (e.g., "credit builder app", "digital wallet", "virtual credit card") are not ranked despite traffic >50 and difficulty <50, limiting discoverability.

Expand Keyword Set
medium

Incorporate high‑traffic, moderate‑difficulty terms such as "credit builder app" (traffic 76, diff 44) and "digital wallet" (traffic 60, diff 49) into the title, short description, and long description to capture additional search volume.

Category & Chart Presence
medium

The app is not ranked in the Finance category and has no chart presence; optimizing metadata for category relevance and promoting installs (e.g., limited‑time offers) can unlock chart rankings.

Key Action Items
Priority actions to improve your app's visibility
  • 1Revise the app title and short description to include high‑traffic keywords like "credit builder" and "digital wallet" while preserving the brand name.
  • 2Launch a user‑feedback campaign (in‑app prompts, incentives) to increase review count and lift the average rating above 4.0.
  • 3Rewrite the long description to embed missing keywords, use bullet points, and highlight unique features (e.g., free metal card, no fees).
  • 4Add a localized video preview and refreshed screenshots that showcase the virtual card and spending tracker to improve conversion and category relevance.
  • 5Implement A/B testing on metadata and monitor ranking changes for the 7 unranked keywords, adjusting keyword density as needed.

ASO Insights

Actionable recommendations to improve your visibility

Strengths
What you're doing well

Detailed description

Your description is 3999 characters, providing good keyword density and information for users.

Strong visual presence

8 screenshots give users a comprehensive view of your app.

Recently updated

Your app was updated recently, signaling active maintenance to users and stores.

Strong keyword positions

Ranking in top 10 for 1 keyword(s): metal credit card.

Areas to Improve
Issues to address

Rating needs improvement

A 3.1 rating may deter potential users. Focus on fixing bugs and improving UX.

Suggestions
Opportunities to explore

Not in category top charts

Improving ratings and downloads can help reach category top charts.

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Audit FAQ

Common questions about this ASO audit.

What is the ASO visibility score of cred.ai?

cred.ai has a visibility score of 54 out of 100 on the Google Play (US). The score combines keyword rankings, top charts presence, and listing quality signals like rating and update recency. This audit was generated on April 19, 2026.

On how many keywords does cred.ai rank?

cred.ai is tracked on 10 keywords in this audit. It currently ranks in the top 100 for 3 keywords, with 2 keywords reaching the top 10. Ranking in the top 10 is where most discovery traffic happens.

Who are the main competitors of cred.ai?

Based on shared keyword rankings, the most frequent competitors of cred.ai are cred.ai Pro, Elan Credit Card, Virtual Card Holder. These apps appear next to cred.ai on the keywords it ranks for, which makes them the most direct opportunities for ASO benchmarking.

What category is cred.ai in on the Google Play?

cred.ai is listed in the Finance category on the Google Play.

How can cred.ai improve its App Store Optimization?

Based on this audit, cred.ai should focus on the keywords where it ranks 11 to 50 (closest to the top 10), benchmark its title and subtitle against the most frequent competitors, and refresh its listing regularly to maintain quality signals. The full audit lists specific weaknesses, opportunities, and AI-generated suggestions tailored to cred.ai.

How was this ASO audit generated?

This audit was generated automatically by Applyra by scraping public Google Play data: app metadata, keyword rankings, category positions, and competitor listings. Visibility, keyword and listing quality scores are computed from those signals. Audits are free and do not require an Applyra account.