Manage credit utilization
Help keep individual cards below 30% utilization while making larger purchases. Protect your credit score without limiting your spending power.
Your cards. Working together.
One payment.
Up to five cards.
Pick the split. Spend anywhere Mastercard⁴ is accepted.
or sign up on the webGet Started
Total payment
$200.00
Chase Sapphire•••• 4242$80.0040%
Amex Gold•••• 8888$70.0035%
Capital One•••• 1234$50.0025%
Total allocated100%
Drag any slider to adjust. The others rebalance automatically.
FDIC Insured Sponsor Bank⁴Mastercard®⁴AICPA SOC 2 CertifiedPatent Pending Technology
FDIC Insured Sponsor Bank⁴
$76.2 M+
in payments split across cards
126,000+
sign-ups
60 K+
total transactions
How it works
Four steps. No surprises.
Link your cards, set the split, generate one Kasheesh Card, and pay anywhere Mastercard⁴ is accepted. The whole flow takes just a few minutes.
See how it works in detail →01 / Link
Link your cards
02 / Split
Set the split
03 / Create
Generate your card
04 / Pay
Use at checkout
Where you can shop
Works at over 10.5M merchants nationally
Pay your way, anywhere
Add the Kasheesh card to your digital wallet. We handle the rest.
Not a loan. Not buy now pay later¹.
It’s your own money, spent smarter.
Unlike buy now, pay later¹ services, Kasheesh doesn’t create new debt. You’re using the cards you already have, just combining multiple payment methods to give your budget some wiggle room.
No interest. No new accounts. No credit check.
See why Kasheesh isn’t BNPL¹ →
Mastercard⁴ Network
Patent-Pending
Kasheesh is a fintech company, not a bank. Banking services provided by Bangor Savings Bank⁴, Member FDIC. The Kasheesh Card is issued by Bangor Savings Bank⁴ pursuant to a license from Mastercard⁴ International. Our patent-pending technology enables split payment transactions across multiple cards at any merchant that accepts Mastercard⁴, providing unprecedented flexibility in how you manage your credit.
Common Questions
Questions?
Does using Kasheesh affect my credit score?
No, using Kasheesh itself won’t raise or lower your real credit score.
However, because our platform allows you to use credit-based payment methods, it’s important to manage them responsibly, just like you would anywhere else, to maintain a healthy credit profile.
Are there any fees?
A flat 2% fee applies to each split transaction — that’s it. No subscriptions, no interest, and no hidden charges. For most purchases, the rewards you earn offset most of the fee.
How is this different from buy now, pay later?¹
BNPL¹ services lend you money to pay back over time. Kasheesh never lends you anything — you’re simply spreading your own purchase across cards you already own, and keeping every reward they earn.
