Build credit when you pay bills via Cushion’s virtual debit card

Subscriptions, utilities, and even Buy Now Pay Later payments can now build your credit.
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Get more out of your payments

You’re already paying companies like Netflix, T-Mobile, and Klarna. Cushion makes sure every on-time payment counts toward building your credit.
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Pay with your virtual Cushion card

Put your Cushion card on file with billers your pay frequently. 

When a payment is due, Cushion charges your bank account or debit card to cover the cost of each payment.
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We report your payments monthly

At the end of every month, we add up all purchases and payments made with Cushion card and report them to credit bureaus to help you build credit.

Get organized, build credit, and save hundreds of dollars


$12.99 / mo

The benefits of AutoPilot plus pay bills, build credit, and protect your money.
Easily track your recurring bills
The only way to manage all your BNPL
Never miss a payment with calendar sync
Get AI insights to control your spending
Cancel unused subscriptions, save money
Make payments with a dedicated virtual card
Build credit when you pay bills & BNPL
Protect your payments from overcharges and fraud (coming soon)
get started for $12.99 / month

How it works

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Step 1

We organize your bills

Securely link your bank and email. We'll find and neatly organize your bills and BNPL payments
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Step 2

Activate your Cushion virtual debit card

The Cushion Pro card makes it possible to build credit when you pay subscriptions, utilities, BNPL, and more.
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Step 3

Put it on file with billers

Set your Cushion card as the primary payment method with billers you pay regularly.
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Step 4

We report your payments to help you build credit

Bills paid with a Cushion card are automatically reported to the credit bureaus.

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How does Credit Building work?

Securely connect your bank accounts, credit cards, and Gmail account to Cushion. We'll automatically find your bills, subscriptions, and Buy Now Pay Later purchases and add them to your Cushion account.

Track when your bills are due and pay them with your Cushion Card. Simply swap out your current payment method, replace it with your Cushion Card, and we will handle the rest.

We'll automatically make the bill payments on your behalf and then withdraw the bill amount from your bank account so long as you have sufficient funds in your bank account to cover the amount due.

Since Cushion is paying bills on your behalf and then pulling the funds from your bank account, this enables us to report your positive payment history to help you build credit.

How can Cushion help me build my credit score?

On-time recurring payments build up positive payment history and can lead to an increase in your credit score over time.

When you use the Cushion card to pay your bills, we make bill payments on your behalf and then pay ourselves back. This allows us to report your bill payments as credit and demonstrate positive payment history to help you build credit.

How long will it take to see an impact on my credit score?

There are many factors that go into calculating your credit score. How quickly you see an impact to your score will vary and depends on many factors. However, most of our users see an impact to their score within 3 months of signing up.

A positive payment history is one of the most influential components of your credit score. Paying your bills with the Cushion card every month will help you build a positive payment history over time and, ultimately, a better credit score.

How long will it take for Cushion to appear on my credit report?

It depends on when you sign up and make the first payment using your Cushion Card. Cushion reports all payments at the end of each month, starting with the first month in which you make a payment with your Cushion Card. After that, it can take up to 2 weeks to be processed by the credit bureaus and added to your credit report.

For information on how to view your credit report, check out this article.

Could using Cushion negatively impact my credit score?

There are many factors that impact your score and adding a new line of credit to your credit profile may cause a minor, temporary dip in your credit score because it may reduce the overall age of your credit history.

However, as you make on-time payments with your Cushion Card your credit score should rebound quickly and continue to build over time.

Still have questions?

Check out the rest of our Credit Building FAQs.

Build your credit history automatically with payments you're already making!

Your credit score will thank you
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