MULTI Plan - How It Works

Keeping your credit cards active is crucial for maintaining and improving your credit score, but some bank accounts also require a minimum number of monthly transactions to unlock special perks, like high-yield APY rates or introductory bonuses. Our Credicated MULTI Plan is designed to help you meet those transaction requirements effortlessly with the simplicity and convenience you expect from Credicated.

Why the MULTI Plan?

Many banks and credit unions offer high-yield savings or checking accounts with attractive annual percentage yields (APYs), but these often come with a catch: you need to make a certain number of transactions each month to qualify for the special rate. For example, 7% APY on balances up to $15,000 with a requirement of 15 debit card purchases per month. Missing these requirements can mean settling for a lower rate or missing out on bonuses altogether.

Manually making small purchases to meet these thresholds can be time-consuming and easy to forget. That’s where Credicated MULTI Plan comes in. We automate 59¢ transactions on your debit card at the frequency you need to hit your bank’s transaction requirements (daily, or every 2, 3, or 4 days), ensuring you unlock those high-yield rates or bonuses.

How the MULTI Plan Works

Our MULTI Plan lets you customize the frequency of microtransactions to match your bank’s requirements, ensuring you meet the minimum number of transactions needed for special perks.

1. Choose Your MULTI Plan Frequency
   Select the plan that fits your bank’s transaction requirements:
   • 59¢ per day (up to 30 transactions/month)
   • 59¢ every 2 days (up to 15 transactions/month)
   • 59¢ every 3 days (up to 10 transactions/month)
   • 59¢ every 4 days (up to 7 transactions/month)
   
   

   Pick the frequency that aligns with your bank’s minimum transaction threshold, such as the 15 debit card purchases in our example earlier.

2. Insert the Last Four Digits or Card Name
   Enter the last four digits and/or the name of the debit card you’ll use for the MULTI Plan in the text box on the plan page. This helps you track and manage multiple cards if you’re using the plan for more than one account.
3. Checkout Securely with PayPal
   Complete your subscription using our secure PayPal payment system. If you’re enrolling multiple cards to meet transaction requirements for different accounts, complete each card’s checkout separately.
4. Credit & Forget It!
   Relax and let Credicated handle the rest. Our system will automatically charge your debit card at the chosen frequency, ensuring you meet your bank’s transaction requirements. You can modify, pause, or cancel your MULTI Plan anytime.

Ready to Maximize Your Accounts?

No hidden fees. No stress. Just active credit cards and unlocked bank perks.

Get started with the MULTI Plan in just 60 seconds and let Credicated do the work for you.

All payments are securely processed by PayPal. Credicated does not store any credit card details. Plans can be modified, paused, or canceled at any time.

Thank you for choosing Credicated. We’re here to help you succeed.