Comparison

Which vs Last Payment

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

Head to head
About

Which

This app helps you maximize credit card rewards by recommending the best card to use at any given business. It compares points, cash-back, and external club benefits to ensure you get the most value.

Highlights
  • Credit card reward comparison
  • Business-specific card recommendations
  • External club benefit integration
  • Reward calculation customization
  • Card and club request system
Features
Read full description

Do you have more than one credit card that also gives you rewards? Which one should you use in this restaurant you just got in? Which card should you use for purchasing this movie ticket? One card offers points while the other offers cash-back, yet, which is more profitable for you? Do you even know what the rewards schedule for your cards are? We are here to help! Which-Card is the first app to evaluate and compare credit card rewards based on the business you're at. Once you have added the credit card types you have (we don't need any information that is printed on the credit card itself, only its type), we will recommend you which card should give you the highest rewards worth in the businesses you're currently at. Double tap a card to see a full explanation of the evaluation for each card (for example, was there an exception that reduced or increased the default card's reward)? But wait, there's more! We also support external clubs, which you may be a member of. We will also remind you to use your external club if a business you are at provides additional rewards. Contact us if you're a member of an external club which we don't have, we will evaluate the ability to add it. You may change the amount we calculate the rewards for by double tapping the sentence which says the amount we calculate the rewards for. * Cards and clubs are added to our systems based on users requests. You don't see your current rewards granting credit card? Contact us! we will add it ASAP (as long as the card issuer publicly provides information in English). * Presenting 5 or more credit cards in the app requires a subscription. * Showing information regarding external clubs (requires a subscription). * We are not affiliated with any credit card issuer, we are not commercializing or preferring any cards over the others - we base our calculations on public data available directly from the card issuers, Google, and an average of multiple sources for rates conversion between points/miles to their worth. App subscription information: -Payment will be charged to iTunes Account at confirmation of purchase -Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period -Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal -The length of the subscription: 1, 6, or 12 months. -The price of the subscription in the USA: 0.99$, 4.99$, 7.99$(matching to the above subscriptions durations, and may be changed by Apple). -The price of the subscription tiers (check with Apple for local price based on these tiers): 2, 10, 16 -All subscriptions are auto-renewable. You can cancel the subscription at every moment through "manage subscription" within the app, or through iTunes. - Privacy policy and license agreement can be found at: http://evenroapps.wixsite.com/whichcard/privacy-policy and http://evenroapps.wixsite.com/whichcard/license-agreement

About

Last Payment

Securely track bills, subscriptions, and debts offline. Get timely reminders and an overview of upcoming, overdue, and paid expenses. Pro features offer advanced analytics and data export.

Highlights
  • Offline data privacy
  • Unlimited bill tracking
  • Flexible recurring payment setup
  • Upcoming, overdue, and paid expense overview
  • Customizable reminders
  • Spending analytics
  • Export to CSV & PDF
Features
Read full description

Tired of forgetting due dates and paying late fees? Last Payment keeps every bill, loan and subscription in one calm list. No account, no internet, no data leaving your phone. WHY LAST PAYMENT? • 100% offline and private: your financial data never leaves your device. No sign-up, no server, no data breaches. Delete the app and the data goes with it. • Unlimited tracking: add as many bills, rent payments, credit cards or loans as you need. No hidden limits. • Any rhythm: weekly, every 2 weeks, monthly, yearly, installments (counting up 3/12) or one-time. Set it once. • Missed months don't disappear: skip a month and it stays on your home screen as an overdue badge until you settle it, one tap at a time. • Record what you actually paid: gas isn't the same every month. Enter the real amount and every period keeps its own figure. • Skip a period: an unused subscription or a postponed fee leaves the overdue list without counting as paid. • Home screen widget: your next payments at a glance, overdue first. On iOS. • Reminders that don't give up: an advance heads-up at 09:00, a due-day alert at 15:00 and a follow-up if the payment slips. Tap a notification to open the payment. • Analytics that tell the truth: totals built from real amounts, a payment-by-payment breakdown and a history chart for each payment. • Timeline: the full history of every payment, month by month. Paid, unpaid, skipped, ended. • A backup you own: export everything to a file and restore it later, merging or replacing your list. • Dark and light mode, 6 languages, any currency. GO FURTHER WITH PRO • Reminders any number of days ahead • Trend, forecast and consistency cards in Analytics • Export your history as CSV or PDF • Full widget view: every upcoming payment, not just the next one WHAT CAN YOU TRACK? • Rent, mortgage and HOA fees • Electricity, water, gas and internet • Credit card payments and installments • Personal debts and loans • Digital subscriptions and gym memberships • Insurance and yearly fees Download Last Payment and stop paying late fees.

Screenshots

Which4 screens
Last Payment4 screens

Verdict

The call

The clearest difference is rating: Last Payment at 5.0 against Which's 1.0. Last Payment also leads on ads (none vs shown) and update cadence (every 3 weeks vs every 3 months). Which's advantage is device support (4 vs 2) and iOS requirement (11.0 vs 16.4). On price, ratings volume, in-app purchases and monetization model 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. Which sells 3 in-app purchases, starting at $0.99 per month and Last Payment sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Last Payment holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

UpkeepUpdate frequency

Which ships an update every 3 months, Last Payment every 3 weeks. The most recent releases landed on October 10, 2026 and October 17, 2026 respectively.

Scorecard5 real differences · 5 level
Which versus Last Payment: the parameters behind the verdict, then further details
ParameterWhichLast Payment
PriceFreeFree
Rating1.0 (1 ratings)5.0 (1 ratings) — better
Positive reviews25.0% of reviews—
Number of ratings11
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad
Requires iOS11.0 — better16.4
Further details — not scored
Size61 MB60 MB
Age rating4+4+
DeveloperRoee EbensteinEmre Balli

Customer experience

Which

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews4 reviews
Positive25.0%
Neutral25.0%
Negative50.0%

Last Payment

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Which

Subscriptions3
  • More than 4 cards$0.991 Month
  • More than 4 cards$4.996 Months
  • More than 4 cards$7.991 Year
2 purchases

Last Payment

Subscriptions2
  • Last Payment Pro Monthly$3.991 Month
  • Last Payment Pro Yearly7 Days trial$19.991 Year

Questions

Is Which free?
Which is free to download, with in-app purchases available.
Is Last Payment free?
Last Payment is free to download, with in-app purchases available.
Which has better reviews, Which or Last Payment?
Last Payment is rated higher. Which averages 1.0 out of 5 from 1 ratings, while Last Payment averages 5.0 from 1 ratings.
Do Which or Last Payment have ads?
Which shows ads; Last Payment does not.
Which is updated more often, Which or Last Payment?
Which ships an update every 3 months, and Last Payment every 3 weeks. Most recently, Which was updated on October 10, 2026 and Last Payment on October 17, 2026.

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