# CareCredit Mobile vs Scratch Plans

The clearest difference is review sentiment: CareCredit Mobile at 78% against Scratch Plans's 34%. CareCredit Mobile also leads on rating (4.8 vs 2.9) and ratings volume (66K vs 51). Scratch Plans's advantage is iOS requirement (15.0 vs 17.0). 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.

CareCredit Mobile holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: CareCredit Mobile has 66K ratings behind it against 51, so its average is the more settled of the two. Written reviews point the same way: 78% of CareCredit Mobile's written reviews are positive against 34% of Scratch Plans's.

CareCredit Mobile ships an update every 5 weeks, Scratch Plans every 5 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | CareCredit Mobile | Scratch Plans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (66K ratings)](https://appshunter.io/ios/app/carecredit-mobile/id1031312446/reviews)** | [2.9 (51 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) |
| Number of ratings | **66K** | 51 |
| Positive reviews | **78.2% of reviews** | 34.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 5 months |
| Monetization | Free | Free |
| Best chart rank | **#96** | — |
| Size | 152 MB | 28 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Synchrony Financial](https://appshunter.io/developer/989262152) | [Scratch Financial](https://appshunter.io/developer/1408133639) |

## What reviewers say

### CareCredit Mobile

[App page](https://appshunter.io/ios/app/carecredit-mobile/id1031312446)

**Currently charting:** #96 Top Free · Finance (US App Store)

Manage your CareCredit credit card on the go. Access your digital card, pay bills, find providers, and track your account details. Stay informed with custom notifications and helpful resources.

**Highlights:** Digital card access, Bill payment, Provider search, Account management, Custom notifications, Secure login

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 🚀 Convenient for making payments
- 💡 Helpful for emergency vet bills
- 🚀 User-friendly interface
- 💡 Useful for medical and dental expenses

**What reviewers complain about**

- 🐛 Buggy account activity tracking
- 🔍 Lack of transparency in credit limit adjustments
- 🔍 Confusing policies around missed/late payments
- 🔍 Predatory lending practices reported
- 🔍 Poor customer service experiences

**Reported bugs**

- App not compatible with older iOS versions
- Recurring issues with login and authentication
- Inconsistent account balance updates

**Requested features**

- Allow users to choose payment allocation
- Improve notification settings and reduce spam
- Add dispute/chargeback functionality in the app
- Provide better communication around policy changes


### Scratch Plans

[App page](https://appshunter.io/ios/app/scratch-plans/id1492643953)

Access flexible payment plans for medical expenses with low APR and no hidden fees. Manage your loans, set up autopay, and reapply for new plans easily. Find practices that accept these convenient financing options.

**Highlights:** Low APR payment plans, No prepayment penalties or hidden charges, Credit score unaffected by rate checks, 1-click autopay enrollment, In-app loan management, Reapply for new plans, Find participating practices

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is CareCredit Mobile free?

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

### Is Scratch Plans free?

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

### Which has better reviews, CareCredit Mobile or Scratch Plans?

CareCredit Mobile is rated higher. CareCredit Mobile averages 4.8 out of 5 from 66K ratings, while Scratch Plans averages 2.9 from 51 ratings.

### Do CareCredit Mobile or Scratch Plans have ads?

Neither CareCredit Mobile nor Scratch Plans shows ads.

### Which is updated more often, CareCredit Mobile or Scratch Plans?

CareCredit Mobile ships an update every 5 weeks, and Scratch Plans every 5 months. Most recently, CareCredit Mobile was updated on October 24, 2026 and Scratch Plans on October 22, 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.*