# Pay with Rewards vs Dilo

The clearest difference is review sentiment: Dilo at 100% against Pay with Rewards's 6%. Dilo also leads on rating (5.0 vs 4.2) and update cadence (every 2 weeks vs every 2 months). Pay with Rewards's advantage is ratings volume (77 vs 1) and iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Dilo holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Pay with Rewards has 77 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 6% of Pay with Rewards's written reviews are positive against 100% of Dilo's.

Pay with Rewards ships an update every 2 months, Dilo every 2 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Pay with Rewards | Dilo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (77 ratings)](https://appshunter.io/ios/app/pay-with-rewards/id1027130748/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/dilo/id1550903248/reviews)** |
| Number of ratings | **77** | 1 |
| Positive reviews | 5.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 56 MB | 255 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mastercard International Incorporated](https://appshunter.io/developer/309754131) | [Dilo](https://appshunter.io/developer/1550903250) |

## What reviewers say

### Pay with Rewards

[App page](https://appshunter.io/ios/app/pay-with-rewards/id1027130748)

This app lets you use your Mastercard rewards points like cash at millions of locations. Connect your card, set redemption preferences, and receive statement credits when you use your points for purchases.

**Highlights:** Spend points like cash, Connect Mastercard card, Configure redemption settings, Receive statement credits, View points balance, Secure PIN protection

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Simple and efficient
- 👍 Works great with Rogers Bank
- 🚀 Easy to redeem rewards

**What reviewers complain about**

- 🐛 Crashes frequently
- 🐛 Fails to load or log in
- 🐛 Forgets card details
- 🐛 Unreliable tracking of purchases and rewards
- 👎 Unclear how rewards are calculated

**Reported bugs**

- One-time passcode delivery issues
- Stuck on terms and conditions screen
- White screen or crashes on launch
- Randomly logs out users and requires re-registration

**Requested features**

- Ability to view transaction history and points earned per purchase
- Option to redeem rewards through website instead of just the app
- Improved stability and consistency across updates


### Dilo

[App page](https://appshunter.io/ios/app/dilo/id1550903248)

Manage your finances easily and securely from your phone. Send and receive money instantly, pay bills, and access a network of authorized agents for cash deposits and withdrawals. Enjoy a convenient digital wallet experience.

**Highlights:** Send and receive money instantly, Load wallet via bank account or cash, Pay over 450 services and bills, Receive international remittances, QR code payments, Cash withdrawal via agents and ATMs

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Pay with Rewards free?

Pay with Rewards is free to download, with no in-app purchases.

### Is Dilo free?

Dilo is free to download, with no in-app purchases.

### Which has better reviews, Pay with Rewards or Dilo?

Dilo is rated higher. Pay with Rewards averages 4.2 out of 5 from 77 ratings, while Dilo averages 5.0 from 1 ratings.

### Do Pay with Rewards or Dilo have ads?

Neither Pay with Rewards nor Dilo shows ads.

### Which is updated more often, Pay with Rewards or Dilo?

Pay with Rewards ships an update every 2 months, and Dilo every 2 weeks. Most recently, Pay with Rewards was updated on November 1, 2026 and Dilo on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*