Comparison

Pay with Rewards vs Expense & Money Tracker Watch

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay with Rewards

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
Read full description

Mastercard Pay with Rewards is only available on certain Mastercard cards. Please check with your issuer of your card for availability. Pay with Rewards allows you to spend your points like cash at millions of participating locations worldwide. This app allows you to connect a Mastercard card and configure when and where your points will be redeemed. When using your card, your payment is processed as normal. If you choose to redeem points you will receive a statement credit to your card. Getting Started * Connecting your card to the Pay with Rewards app is simple: enter your Pay with Rewards-enabled Mastercard card number and establish a four digit app PIN. The PIN will be used by the app to protect your personal settings and information. * Answer the security questions. Your questions are based on information your financial institution has on file. Select any one question from the list. If you have questions or are not able to proceed, please contact the issuer of your card. * The home screen will show your points balance, the cash equivalent of your points balance, and your current Pay with Rewards setting. Turn Pay with Rewards on for subsequent purchases, or leave it off and choose from recent purchases eligible for redemption under Activity.

About

Expense & Money Tracker Watch

Features
Read full description

Quick Expense Tracker makes logging expenses effortless. Whether you're at a coffee shop, market, or on the go, just raise your wrist and record what you spent in seconds. Track by category, view your daily and weekly totals, and stay on top of your spending without ever taking your phone out. The companion iPhone app gives you a full breakdown of your history and trends. Premium unlocks unlimited entries, full history, and detailed spending insights. Privacy Policy: https://holoscale.digital/ Terms of Use: https://holoscale.digital/terms

Screenshots

Pay with Rewards4 screens
Expense & Money Tracker Watch4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Rewards at none against Expense & Money Tracker Watch's 3. Pay with Rewards also leads on update cadence (every 2 months vs every 5 months) and iOS requirement (13.0 vs 17.0). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expense & Money Tracker Watch sells 3 in-app purchases, starting at $1.99 per month. Pay with Rewards asks for nothing beyond the download.

UpkeepUpdate frequency

Pay with Rewards ships an update every 2 months, Expense & Money Tracker Watch every 5 months. The most recent releases landed on October 21, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Pay with Rewards versus Expense & Money Tracker Watch: the parameters behind the verdict, then further details
ParameterPay with RewardsExpense & Money Tracker Watch
PriceFreeFree
Rating4.2 (77 ratings) — better—
Positive reviews5.7% of reviews—
Number of ratings77 — better—
Update frequencyEvery 2 months — betterEvery 5 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, Apple Watch
Requires iOS13.0 — better17.0
Further details — not scored
Size56 MB7 MB
Age rating4+4+
DeveloperMastercard International IncorporatedJody Fortuin

Bugs and requests

Pay with Rewards

Reported bugs

4 issues
  • 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

3 requests
  • 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

Expense & Money Tracker Watch

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Pay with Rewards

No in-app purchases

3 purchases

Expense & Money Tracker Watch

Subscriptions2
  • Monthly Premium$1.991 Month
  • Yearly Premium$9.991 Year
One-time1
  • Pro Lifetime$19.99

Questions

Is Pay with Rewards free?
Pay with Rewards is free to download, with no in-app purchases.
Is Expense & Money Tracker Watch free?
Expense & Money Tracker Watch is free to download, with in-app purchases available.
Do Pay with Rewards or Expense & Money Tracker Watch have ads?
Neither Pay with Rewards nor Expense & Money Tracker Watch shows ads.
Which is updated more often, Pay with Rewards or Expense & Money Tracker Watch?
Pay with Rewards ships an update every 2 months, and Expense & Money Tracker Watch every 5 months. Most recently, Pay with Rewards was updated on October 21, 2026 and Expense & Money Tracker Watch on October 25, 2026.

Other comparisons