Founding member waitlist — opening Fall 2026

The average college grad leaves school with a 678 credit score.
Birch graduates leave with 800+.

Your AI credit advisor — not a dashboard. Birch monitors your real FICO score, times your payments to maximize it, and handles the rest with your one-tap approval. Free for students.

No spam. No credit card. Just early access when we launch.
Age 18 — First card Age 22 — Graduate Age 28 — Optimized 800+
$12K
Invisible "young adult tax" paid ages 23–28 in insurance, loan rates, and deposits
$183K
Lifetime cost of fair credit vs. exceptional credit (LendingTree, 2025)
19.5M
U.S. college students who renew this exact problem every fall
5 yrs
Realistic time to build an 800+ score — starting now instead of at 30
What Birch Actually Does

An autonomous credit advisor — not another app that just shows you a number.

Most credit apps stop at the dashboard. Birch goes further: it tells you exactly when and how much to pay, then executes it with your one-tap approval — through a chartered bank partner, never without your say.

1
Monitor
Connects to your accounts. Tracks your real FICO score — not an estimate.
2
Recommend
AI calculates the exact payment timing that maximizes your score.
3
Authorize
You get a notification. One tap to confirm. You're always in control.
4
Execute
Payment goes through. Your score moves. You see exactly why.
Birch exists so the next 18-year-old starts ahead — not years behind.
"In 1997, I was a college freshman. I signed up for my first credit card to get a free t-shirt. I didn't understand what I was agreeing to — and it took years to undo the damage."
James MartzFounder & CEO, Birch

Be one of the first 500.

Early access opens this fall — first 500 students and parents get founding-member pricing for life.