For Amex, Chase, Avios & cashback card holders

Your rewards card earns
nothing on rent
We fix that.

Every month, thousands of pounds leave your account earning nothing. Rent. Childcare. Care fees. Invoices. They only accept bank transfer — so your rewards card sits on the sidelines. CredRamp changes that. Pay by card, earn on every pound. They receive a bank transfer as normal.

Get early access →

2–3 minutes · Shapes what we build · No spam

Bank-grade security Free to set up UK Faster Payments Visa, Mastercard & Amex

*Rewards subject to your card issuer's terms and conditions.

The rewards gap

You're leaving thousands
of points behind every year.

These payments happen every month, like clockwork. But because they're bank-transfer only, your card earns absolutely nothing on them — until now.

Payment
Typical monthly
Without CredRamp
With CredRamp
Rent
£1,500–£2,500
0 points
Up to 2,500 pts/mo
Childcare
£800–£2,000
0 points
Up to 2,000 pts/mo
Care home fees
£3,000–£6,000
0 points
Up to 6,000 pts/mo
Contractor invoices
£500–£10,000+
0 points
Up to 10,000 pts

Based on 1 point per £1 (Amex Membership Rewards rate). Chase cashback, Avios, and Virgin points may differ. Rewards subject to your card issuer's terms.

Who it's for

Sound familiar?
This is built for you.

Renters
Rent is your biggest monthly bill and it earns you absolutely nothing. Put it on your Amex or cashback card and start earning on every payment.
Tenants & renters
Parents paying childcare
Nursery and childminder fees can run to £1,200–£2,000/month — paid by standing order, earning nothing. CredRamp turns that into Membership Rewards or Avios.
Parents & families
Care home & personal care payers
Families paying for elderly relatives' care are often spending £3,000–£6,000/month by direct debit — with zero reward. This is the biggest unlocked category of all.
Families & carers
Businesses paying contractors
Your developer, designer, builder or freelancer invoices by bank transfer. Pay by business card instead — your supplier gets paid, you earn on every invoice.
Sole traders & SMEs
Supplier invoices
Turn every BACS payment into reward points. Pay invoices by business card — your supplier receives the full amount by bank transfer, you earn on every pound.
Businesses
Simple by design

Three steps.
Zero friction.

Nothing changes for whoever you're paying. They receive a standard bank transfer, exactly as before. Only you notice the difference — in your rewards balance.

01
Add your recipient
Enter your landlord, childminder, carer or contractor's name and email. We send them a quick setup link — takes them under 2 minutes.
→
02
Pay by card
Select your recipient, enter the amount, and charge your Amex, Visa or Mastercard. We handle the rest.
→
03
You earn. They receive.
Your recipient gets a standard Faster Payments bank transfer — nothing changes for them. Your card earns every point, mile or percent cashback it's designed to give you.
£21,600
Average annual rent in London — earning zero rewards without CredRamp
5+
Payment categories unlocked — rent, childcare, care fees, contractors & more
55 days
Average extra float you get by paying on credit card vs. bank transfer
100%
Your recipient always receives the full amount — no cuts, no changes
Join the waitlist

Your card should work
harder than that.

You pay a premium for a rewards card. You deserve to earn on every pound you spend — not just the easy ones. CredRamp is launching soon. Get early access.

Get early access →

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