Card Controls by Elements vs MEMCU CardNav
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Card Controls by Elements
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.
- 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
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Card Control by Elements – Full control over your debit card usage in a way you’ve never had before • Manage how, when and where your cards are used—on your own terms. Card Control by Elements enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used. • Turn any card on, or off—in seconds. It’s as simple as a toggle. Perfect for safety, security and those scary moments when you’re not quite sure where your card might be. • Ensure you are the only person using your cards. GPS capabilities can either limit where your card is used—or assure it’s only able to be used when with you. • Turn your cards into active budget participants. Set dollar limits for transactions, and receive alerts when those limits are being reached. No more worrying about going over budget! • Receive alerts when suspicious activity is suspected. • Stop fraudulent activity before it even happens with the alert feature of Card Control by Elements. Based on your preferences, Card Control by Elements can send you a real-time alert when your card is used outside of your chosen preferences, giving you the power to deny the transaction or turn your card off. • Alert preferences can be set by: - Location – based on where the transaction occurs - Transaction type – based on type of transaction at point of sale - Merchant type – based on the type of merchant where the transaction occurred - Threshold – based on the threshold amount set by the user
MEMCU CardNav
Manage your credit and debit cards with customizable controls and real-time alerts. Actively monitor card usage, set transaction preferences, and receive immediate notifications to prevent fraudulent activity.
- Turn card access on/off
- Set transaction notifications
- Define merchant and geographic controls
- Receive real-time usage alerts
- Decline transactions instantly
- Proactive fraud prevention
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Use MEMCU CardNav to manage your Members Credit Union Credit and Debit Cards. CardNav enables you to set controls on your card on your terms. Stop fraudulent activity before it happens by actively managing your Members Credit Union cards with CardNav. • Turn card access on and off. • Set up notifications for different transaction types, dollar amounts, merchants, or geographic areas. • With CardNav, you'll get a real-time alert when your cars are used outside of your preferences, giving you the power to decline the transaction or turn your card off.
Screenshots
Verdict
The clearest difference is rating: MEMCU 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.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MEMCU CardNav holds the better App Store score, 4.6 against 4.2. Both are backed by a comparable volume of ratings — 152 and 91 respectively. Written reviews complicate that: 16% of Card Controls by Elements's written reviews are positive against 0% of MEMCU CardNav's, so the app with the better star average is not the one people write more warmly about.
Card Controls by Elements ships an update every 5 months, MEMCU CardNav every 10 months. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.
| Parameter | Card Controls by Elements | MEMCU CardNav |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (152 ratings) | 4.6 (91 ratings) — better |
| Positive reviews | 15.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 152 — better | 91 |
| Update frequency | Every 5 months — better | Every 10 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 53 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Elements Financial Federal Credit Union | Members Credit Union |
Customer experience
Card Controls by Elements
MEMCU CardNav
In-app purchases
Card Controls by Elements
No in-app purchases
MEMCU CardNav
No in-app purchases
Questions
Is Card Controls by Elements free?
Is MEMCU CardNav free?
Which has better reviews, Card Controls by Elements or MEMCU CardNav?
Do Card Controls by Elements or MEMCU CardNav have ads?
Which is updated more often, Card Controls by Elements or MEMCU CardNav?
Other comparisons
