# Which vs Last Payment

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.

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.

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.

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.

## The numbers

| Metric | Which | Last Payment |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/which-card/id1137472929/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/last-payment-bill-tracker/id6759302783/reviews)** |
| Number of ratings | 1 | 1 |
| Positive reviews | 25.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 61 MB | 60 MB |
| Requires iOS | **11.0** | 16.4 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Roee Ebenstein](https://appshunter.io/developer/904968856) | [Emre Balli](https://appshunter.io/developer/1635136655) |

## What reviewers say

### Which

[App page](https://appshunter.io/ios/app/which-card/id1137472929)

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:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| More than 4 cards | $0.99 | per month |
| More than 4 cards | $4.99 | per 6 months |
| More than 4 cards | $7.99 | per year |


### Last Payment

[App page](https://appshunter.io/ios/app/last-payment-bill-tracker/id6759302783)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Last Payment Pro Monthly | $3.99 | per month |
| Last Payment Pro Yearly | $19.99 | per year |


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