# Card Controls by Elements vs UMe CardNav

The clearest difference is rating: UMe CardNav at 4.6 against Card Controls by Elements's 4.2. Card Controls by Elements's advantage is review sentiment (16% vs 0%). On price, ratings volume, update cadence and ads there is nothing between them.

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

UMe CardNav holds the better App Store score, 4.6 against 4.2. Both are backed by a comparable volume of ratings — 152 and 84 respectively. Written reviews complicate that: 16% of Card Controls by Elements's written reviews are positive against 0% of UMe CardNav's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on October 20, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Card Controls by Elements | UMe CardNav |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (152 ratings)](https://appshunter.io/ios/app/card-controls-by-elements/id1211444131/reviews) | **[4.6 (84 ratings)](https://appshunter.io/ios/app/ume-cardnav/id1565820356/reviews)** |
| Number of ratings | **152** | 84 |
| Positive reviews | **15.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | Every 5 months |
| Monetization | Free | Free |
| Size | 53 MB | 53 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Elements Financial Federal Credit Union](https://appshunter.io/developer/507239964) | [UMe Federal Credit Union](https://appshunter.io/developer/811607759) |

## What reviewers say

### Card Controls by Elements

[App page](https://appshunter.io/ios/app/card-controls-by-elements/id1211444131)

Take full control of your debit card usage with customizable settings for transaction types, locations, and merchant categories. Instantly turn cards on or off for enhanced security, set spending limits, and receive real-time alerts for suspicious activity or when budget thresholds are approached.

**Highlights:** Set transaction type controls, Define geographic usage rules, Specify merchant categories, Instantly turn cards on/off, Set dollar transaction limits, Receive real-time alerts, Monitor suspicious activity

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### UMe CardNav

[App page](https://appshunter.io/ios/app/ume-cardnav/id1565820356)

Take full control of your debit and credit card usage with customizable settings for transaction types, locations, and merchant categories. Instantly turn cards on or off, set spending limits, and receive real-time alerts for suspicious activity to prevent fraud.

**Highlights:** Set transaction type, location, and merchant controls, Instantly turn cards on or off, Use GPS to limit card usage by location, Set dollar limits and receive spending alerts, Receive real-time alerts for suspicious activity, Prevent fraudulent transactions with customizable alerts

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Card Controls by Elements free?

Card Controls by Elements is free to download, with no in-app purchases.

### Is UMe CardNav free?

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

### Which has better reviews, Card Controls by Elements or UMe CardNav?

UMe CardNav is rated higher. Card Controls by Elements averages 4.2 out of 5 from 152 ratings, while UMe CardNav averages 4.6 from 84 ratings.

### Do Card Controls by Elements or UMe CardNav have ads?

Neither Card Controls by Elements nor UMe CardNav shows ads.

### Which is updated more often, Card Controls by Elements or UMe CardNav?

Card Controls by Elements ships an update every 5 months, and UMe CardNav every 5 months. Most recently, Card Controls by Elements was updated on October 20, 2026 and UMe CardNav on October 21, 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.*