Earn passive income from your good credit

Turn your aged credit cards into $600 – $6,000/year

If you have a credit card that's 5+ years old with a good limit and perfect payment history, it's worth real money. We connect you with credit-builder buyers who pay to be added as authorized users — escrow-protected, KYC-verified, fully legal under ECOA Reg B.

See what your card is worth

Free calculator. No signup required. Plug in your card details — we estimate your annual earnings instantly.

Card age (years)

Credit limit ($)

Current utilization (%)

Card has perfect payment history (no late payments, ever)

Card reports to bureaus

equifaxexperiantransunion

How it works

List your card

Get matched + add buyer

When a buyer purchases, you have 72 hours to log into your card issuer and add them as authorized user. Funds held in escrow.

Get paid

When the tradeline posts to 2+ bureaus, escrow releases. You receive 75% of the sale via ACH. Then remove the AU after 60-120 days.

Important risk disclosure (read before signing up)

Adding an authorized user is fully legal under federal law (ECOA Regulation B). However, some card issuers actively detect "AU-selling" patterns and may close, freeze, or restrict accounts.

Issuers known to do this: Chase, Bank of America, Capital One, Citi.
Issuers more tolerant: Discover, American Express, USAA, NFCU.

If your account is closed by the issuer, you lose the credit line + listing. CreditLift AI is not liable for issuer decisions.

What we DON'T do (it's illegal — full stop)

• Sell primary tradelines (selling someone access to take out new credit in your name)

• Create CPNs (synthetic identity numbers — federal fraud)

• Misrepresent the buyer-seller relationship to your issuer

• Promise specific score gains (CROA prohibits this)

Our marketplace is authorized-user only. Buyers are added for 60-120 days, then removed. They cannot make charges. They cannot access the account. They simply benefit from the positive history showing on their credit report during the AU period.

Ready to find out what your credit is worth?

Free to list. No subscription required to sell. We make money only when you make money (25% platform commission per sale).

Available in WY, MT, NV, IN, AZ, NM, NE, SD, ND, AK, HI, NH, VT, ME. More states coming as we secure state licensing.