# mCards — Beyond Rewards > Digital card manager for loyalty, offers, gift, and payment cards. (iPhone/iPad app by PayWith Worldwide Inc.) - Source: https://appshunter.io/ios/app/mcards/id1440131142 (this page in markdown: same URL + `.md`) - Developer: [PayWith Worldwide Inc](https://appshunter.io/developer/692280837) - Category: Finance, Lifestyle - Price: Free - Rating: 4.40/5 from 5 App Store ratings · 4 written reviews indexed - Age rating: 12+ - Requires: iOS 15.0 · 131 MB - Languages: American English - Released: 2019-06-12 - Data updated: 2026-07-17 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/mcards/id1440131142/reviews.md ## What is mCards? mCards are mobile wallet enabled cards that revolutionize what a card can do. mCards were designed to deliver more value, more security and more benefits to cardholders than ever before possible. Each mCard can be linked and connected to various different points programs, merchant-funded offer programs, employer and corporate programs, membership programs, gift cards and even personal payment cards to enable one mCard to have the power and benefits of your entire wallet. Your mCards can be controlled and managed via the mCards App. Here you are in control of how your card works for you. And yes… it’s personal. How your mCard works for you is based on how you have set it up and what you have linked and connected to it. Your mCard experience is based on your personal spending, your favourite locations, your linked funding sources and your associated programs and memberships. Every mCard program is unique and tailored to deliver the ultimate benefits and rewards for the cardholder. This mobile application uses the EML Payment Solutions Ltd SDK to enable in-app provisioning which has been certified by Apple Oct 2018. We are approved clients of EML Payment Solutions Ltd to use this SDK. ## Key features - Consolidate loyalty programs - Manage merchant offers - Link gift cards - Connect personal payment cards - Personalized card experience - Enhanced security and benefits ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/mcards/id1440131142/reviews.md ### 2/5 — Не поддерживает российские номера *2026-05-03* Приложение предлагает только 1 способ верификации по номеру и по итогу не присылает смс на него. ### 1/5 — Confusing & Weird Exchange *2023-12-08* Tried it for a bit. It made IOS crash. Weird exchange rates and double charges show up on my regular credit card. ### 5/5 — Great experience *2021-10-25, version 1.4.0* I used the Discount feature today and had a seamless experience redeeming a 25% offer at my favourite café. ### 1/5 — Was using this all of the time *2021-05-09, version 1.2.0* I have been using it religiously since February.. I converted $80 worth of points today that have not converted and disappeared.. I am in Australia and the only number is an international number! Can someone please contact me to help ## Frequently asked questions about mCards ### What is mCards? mCards is a mobile application designed to manage digital cards that can consolidate loyalty programs, merchant offers, gift cards, and personal payment cards into one place. It aims to provide enhanced value, security, and personalized benefits to cardholders. ### Is mCards free to use? Yes, mCards is available for free. However, the application does contain advertisements. ### What kind of cards can I link to mCards? You can link various points programs, merchant-funded offer programs, employer and corporate programs, membership programs, gift cards, and personal payment cards to your mCards. This allows one mCard to encompass the benefits of your entire wallet. ### How does mCards personalize my experience? Your mCard experience is personalized based on your spending habits, favorite locations, linked funding sources, and associated programs and memberships. This tailoring ensures you receive the ultimate benefits and rewards relevant to you. ### What devices does mCards support? mCards is supported on iPhone and iPod devices. The app utilizes the EML Payment Solutions Ltd SDK, which was certified by Apple in October 2018. ### How secure is mCards? mCards are designed to deliver more security to cardholders. The mobile application uses an SDK certified by Apple for in-app provisioning, indicating a focus on secure integration. ### How often is mCards updated? The latest version of mCards is 3.78, and it was last updated on March 24, 2026. This indicates a recent update, suggesting ongoing development and maintenance. ### What is the user sentiment for mCards? mCards has a high rating of 5.0 stars from 4 ratings, suggesting a very positive reception from its current user base. Users appear to be satisfied with the app's functionality and benefits. ## Version history (last 5 releases) ### 3.84 — 2026-07-15 - bug fixes and improvements ### 3.82 — 2026-05-20 - bug fixes and improvements ### 3.81 — 2026-05-07 - bug fixes and improvements ### 3.80 — 2026-04-15 - bug fixes ### 3.78 — 2026-03-24 - bug fixes and improvements ## Apps similar to mCards | App | Rating | Price | Category | | --- | --- | --- | --- | | [Verto - Pay and Get Paid](https://appshunter.io/ios/app/verto-pay-and-get-paid/id1611203669) | — | Free | Finance | | [OWNR Digital Wallet](https://appshunter.io/ios/app/ownr-digital-wallet/id1459364947) | 4.5 (115) | Free | Finance | | [Bano - Connect Your Life](https://appshunter.io/ios/app/bano-connect-your-life/id1562849570) | 3.0 (4) | Free | Finance | | [MuchBetter](https://appshunter.io/ios/app/muchbetter/id1179978268) | 4.5 (396) | Free | Finance | | [Simply Wall St](https://appshunter.io/ios/app/simply-wall-st/id1075614972) | 4.6 (2,303) | Free | Finance | | [Hero Financials](https://appshunter.io/ios/app/hero-financials/id6444052139) | — | Free | Finance | ## Related topics [mcards](https://appshunter.io/ios/topics/mcards) · [mcard mobile](https://appshunter.io/ios/topics/mcard-mobile) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-17.*