Debitize app logo



At a Glance:

Use your credit card like a debit card, while still getting all the benefits of using a credit card.


  • Use Credit Cards as Debit Cards


Use it if: You don’t like (or aren’t great at) credit cards, but still want to the benefits of credit card use. Debitize (@Debitize) links with your bank account so it can automatically deduct money whenever you make a purchase. The amount deducted is equal to the amount you just spent on your credit card, and when the bill comes up, Debitize uses the money that was deducted to pay it. You’ll be able to get all the rewards and credit-building benefits of using a credit card without the risk of interest or running up more money on your credit card than you could afford.

Try it out: App Store

Debitize Inc.
Interview with Liran Amrany co-founder and CEO of Debitize

OppLoans: What benefits does the Debitize app provide your users?

Liran: Debitize gives you credit card perks without the risk of debt, interest, or late fees—by automatically setting aside the money to cover your purchases every day, just like a debit card.

OppLoans: What features are you most proud of?

Liran: We’ve covered over $10,000,000 in credit card spending for our users without ever missing a payment.

OppLoans: What’s the story behind the creation of Debitize?

Liran: I had two friends in the span of a week tell me they were switching from credit to debit. Initially, that did not make sense to me, as credit cards offer rewards, help build credit, and offer better security. Eventually, I realized that paying your purchases every day helps create budget discipline and peace of mind and that combining the two could help lots of people.

OppLoans: Are there any upcoming features or releases you’d like our readers to be aware of?

Liran: We’re working on a new feature that will let you build credit even faster by making more frequent payments to your card which will keep your credit card utilization (30% of your FICO score) low.