Cushion app review
Cushion isn't available on Finder right now.
- Fee
- From $4.95 per month
- Minimum deposit to open
- $0
Our verdict
This all-in-one personal finance app can organize your finances.
The Cushion app initially focused on disputing charges on users’ behalf, but it has since changed its business model to focus on bill pay and organizing finances. It starts at $4.95 per month, and offers features like budgeting and bill tracking features, AI spending insights, and the ability to sync your bank accounts and digital calendars.
Best for: Those who want to organize bills.
Pros
-
Syncs to bank accounts
-
Organize recurring bills and subscriptions
-
Sync to Google or Yahoo calendar
Cons
-
Starts at $4.99/month
-
No longer offers credit-building
MUST READ: Cushion no longer offering credit-building services
Effective October 15, 2024, Cushion is no longer offering credit-building or virtual card services. Additionally, Cushion no longer offers the Fee Negotiation feature where Cushion would negotiate fees on your behalf. The fintech is now focused on helping consumers organize their finances and recurring bills. You can, however, view fees under the Bank Fees tab within the app.
How Cushion works
Cushion’s budgeting features are similar to other budget apps in that you sync your bank account to organize and track your bills. But unlike other budgeting apps, Cushion includes the integration of Buy Now, Pay Later installments (BNPL), including Klarna, Afterpay and Zip, into your budget. You also have the ability to sync all your bills and BNPL commitments and their payment status to your Google or Yahoo calendar.
What we like about Cushion
Cushion used to offer bill tracking and organization for free, which was more than what many other budgeting apps could say. Cushion now starts at $4.95 per month. The Autopilot plan lets you track recurring bills, manage BNPL loans, sync calendars and bank accounts, get AI insight into your spending and help you identify subscriptions you want to cancel.
Many budgeting apps, like Goodbudget, require a higher-tier plan to connect your bank accounts. And many other apps charge you monthly fees for account syncing or tracking features — a bit counterintuitive if you’re looking to watch your spending.
Where Cushion falls short
A downside with Cushion is that it’s changed its focus multiple times, such as dropping its credit-building services and bill negotiation feature. As it stands now, it’s really just a budgeting app. The budgeting services also used to be included in a free plan, but that now that’ll cost you at least $4.95 per month.
Cushion fees and access
| Type of fee | Fee details |
|---|---|
| Membership fee | Starts at $4.95 per month |
| Minimum deposit | $0 |
| Credit score | Not required |
| Foreign transaction fee | N/A |
Compare Cushion to other credit-building products
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Customer reviews for Cushion
On the whole, Cushion has many more positive reviews than negative. The app’s free bill and tracking feature gets frequent praise, and those who signed up for the credit-building plans are pleased. Here’s a summary of its ratings on BBB, TrustPilot, and other customer review platforms.
| BBB accredited | No |
|---|---|
| BBB rating | C+ |
| BBB customer reviews | 1.07 out of 5 stars, based on 14 customer reviews |
| Trustpilot score | 4.8 out of 5 stars, based on 3,143 customer reviews |
What do people on Reddit say?
Credit building card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Read the full methodology of how we rate credit building cards.
Your reviews
Bethany Finder
Editor, Banking
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