Comparison

MyCardWallet. vs Split Pay

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

Head to head
About

MyCardWallet.

Manage your prepaid cards easily and securely. View balances, store card details, and add them to your digital wallet for contactless payments in-store or online. Quickly access full card information when needed.

Highlights
  • View card balance
  • Store cards securely
  • Add to digital wallet
  • Contactless in-store payments
  • Online payments
  • Access card details
Features
Currently charting
Read full description

Easy and convenient card management. View your balance, store cards securely, and add to your digital wallet for easy spending. Pay in-store Using a prepaid card in-store is easy and convenient when you add the card to your Apple Wallet. Just tap to pay by contactless payment in any retailer where your card is accepted. Set your chosen card as the primary card in Apple Wallet if you have more than one card.  Pay online Paying online is easy when you add a prepaid card to your Apple Wallet. No more typing out long card numbers - just select Apple Pay at checkout, at participating online retailers. Or use the My Card Wallet app to get your full card details if the retailer doesn't offer Apple Pay.  Check your card balance When you add your card to the My Card Wallet app, your current balance will display in the app - so you always know how much you have to spend.  Easy access to card details Access your card details quickly and securely using the My Card Wallet app.

About

Split Pay

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Highlights
  • Split rent into two payments
  • Build credit history
  • Improve budgeting
  • Works with all payment systems
  • Autopay functionality
  • Free credit reporting option
Features
Currently charting
Read full description

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe. Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one. Download Split Pay to put rent, mortgage, and car payments on your own schedule. SPLIT PAY APP FEATURES: WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY: One bill, two payments, smarter timing. Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds. No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score. Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot. Build credit history with reported rent payments. PAY BILLS IN TWO PAYMENTS Choose a bill to split into two: rent, mortgage, or your car payment. Apply in minutes, no credit check. Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account. Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts. That's it. You get more room to breathe every month. WHAT BILLS CAN I SPLIT? Pay rent Pay your mortgage Pay car payments Pay other bills coming soon SIMPLE, TRANSPARENT PRICING Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split. Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing. Download Split Pay to put rent, mortgage, and car payments on your own schedule. Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.

Screenshots

MyCardWallet.3 screens
Split Pay4 screens

Verdict

The call

MyCardWallet. and Split Pay both sit at 4.8 stars, but that hides the real split: 73% of Split Pay's written reviews are positive against 30% of MyCardWallet.'s. MyCardWallet.'s advantage is ratings volume (96K vs 16K). On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for MyCardWallet. against 4.9 for Split Pay. That said, the two scores are not equally well evidenced: MyCardWallet. has 96K ratings behind it against 16K, so its average is the more settled of the two. Written reviews are what separate them: 30% of MyCardWallet.'s written reviews are positive against 73% of Split Pay's.

UpkeepUpdate frequency

MyCardWallet. ships an update every 3 weeks, Split Pay fortnightly. Both last shipped on September 25, 2026.

Scorecard2 real differences · 9 level
MyCardWallet. versus Split Pay: the parameters behind the verdict, then further details
ParameterMyCardWallet.Split Pay
PriceFreeFree
Rating4.8 (96K ratings)4.9 (16K ratings) — better
Positive reviews29.8% of reviews72.6% of reviews — better
Number of ratings96K — better16K
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#50 — better#83
DevicesiPhone, iPad — betteriPhone
Requires iOS16.616.6
Further details — not scored
Size51 MB70 MB
Age rating4+4+
DeveloperBlackhawk NetworkVisible Ideas

Customer experience

MyCardWallet.

All ratings96,473 ratings
Positive95.8%
Neutral1.9%
Negative2.3%
Written reviews745 reviews
Positive29.8%
Neutral5.6%
Negative64.6%

Split Pay

All ratings16,271 ratings
Positive96.9%
Neutral0.6%
Negative2.5%
Written reviews650 reviews
Positive72.6%
Neutral1.5%
Negative25.8%

User reviews

MyCardWallet.

From 96K App Store ratings

What we love

  • 🚀 Quick and easy to use
  • 💡 Practical for managing prepaid cards
  • 👍 Worked perfectly for some users

Room to improve

  • 🐛 Frequent errors and glitches
  • 🔒 Security and account issues
  • 👎 Difficult to add cards, use app
  • 💸 Charges fees for physical cards

Split Pay

From 16K App Store ratings

What we love

  • 🚀 Great service with team members that go above and beyond
  • 👍 Easy to use and intuitive
  • 💡 Helpful split pay feature
  • 🚀 Smooth and seamless process
  • 👍 Convenient for budgeting and managing rent payments

Room to improve

  • 🐛 Delayed rent payments to landlord
  • 🐛 Accounts suspended with no explanation
  • 🐛 Difficult to get approved for split pay
  • 🐛 App crashes and freezes
  • 🐛 Lack of integration with property management portals

Bugs and requests

MyCardWallet.

Reported bugs

3 issues
  • App crashes on launch after updates
  • Unable to retrieve or use card information
  • Accounts randomly locked with no resolution

Requested features

3 requests
  • Option to delete used virtual cards
  • Ability to manually add card numbers
  • Better customer support and communication

Split Pay

Reported bugs

3 issues
  • Login screen freezes
  • Incompatibility with certain bank accounts
  • Payments not showing up in app after being processed

Requested features

4 requests
  • Ability to change payment dates after initial setup
  • Option to adjust second split pay date within 30-day period
  • Integration with property management payment portals
  • Clearer communication on approval process and reasons for account suspension

In-app purchases

None

MyCardWallet.

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is MyCardWallet. free?
MyCardWallet. is free to download, with no in-app purchases.
Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Which has better reviews, MyCardWallet. or Split Pay?
Split Pay is rated higher. MyCardWallet. averages 4.8 out of 5 from 96K ratings, while Split Pay averages 4.9 from 16K ratings.
Do MyCardWallet. or Split Pay have ads?
Neither MyCardWallet. nor Split Pay shows ads.
Which is updated more often, MyCardWallet. or Split Pay?
MyCardWallet. ships an update every 3 weeks, and Split Pay fortnightly. Most recently, MyCardWallet. was updated on September 25, 2026 and Split Pay on September 25, 2026.
Which is more popular, MyCardWallet. or Split Pay?
MyCardWallet. currently peaks at #50 in the App Store charts, and Split Pay at #83. Chart position reflects recent download velocity rather than total install base.

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