Comparison

CFC Mobile Access vs Empire Auto Protect

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

Head to head
About

CFC Mobile Access

Manage your credit card accounts securely on the go. Check balances, make payments, and access statements. Report lost or stolen cards, and manage authorized users.

Highlights
  • Check account balance
  • Make payments
  • Pay bills on the go
  • Report card lost or stolen
  • Access monthly statements early
  • View Cardholder Agreement
  • Add authorized user
Features
Read full description

CFC Mobile Access is a free service offered to cardholders of: · The Verve® Mastercard® · The Reflex® Mastercard® · The Surge® Mastercard® · The FIT™ Mastercard® · The Matrix® Mastercard® · The Cerulean® Mastercard® · The Build® Mastercard® · The Revel® Mastercard® · The Today® Mastercard® CFC Mobile Access gives you secure access to your account anytime, anywhere, so you can check your balance, make a payment, and pay bills on the go. Additional features include: · Report your card as Lost or Stolen, · Access your monthly statement up to five days earlier, · Access your Cardholder Agreement, or · Add an authorized user to your account. Manage your finances straight from your smartphone or tablet on your schedule. Download the CFC Mobile Access App to get started. ©2024 Continental Finance Company, LLC. All rights reserved. Build®, Cerulean®, FIT™, Verve®, Matrix®, Today® and Revel® are issued by The Bank of Missouri, pursuant to a license from Mastercard International. Reflex® and Surge® are issued by Celtic Bank, pursuant to a license from Mastercard International. Continental Finance provides services for your Account but is not a bank. The bank issuing your card will be identified on the back of your Mastercard® and in your Cardholder Agreement, which governs your use of the Account. All trademarks not belonging to Continental Finance are the property of their respective owners.

About

Empire Auto Protect

Manage your vehicle service contract and access coverage details on the go. Easily view policy information, make payments, file claims, and request roadside assistance. Your contract documents and ID card are always accessible.

Highlights
  • View active policy details
  • Tap to pay bills securely
  • One-tap claim filing
  • Request 24/7 roadside assistance
  • Access ID card and contract documents
  • Manage multiple policies
  • Fast sign-in with biometrics
Features
Read full description

Empire Auto Protect puts your memberships in your pocket. Built for Empire customers who want fast, on-the-go access to everything that matters about their coverage. WHAT YOU CAN DO • View your active policy — make, model, coverage type, term, and status at a glance • Tap to pay your bill through your finance servicer (EFS, MEPCO, SPARTA, WALCO and others) — secure redirect, never asks for card details in the app • File a claim with one tap — call your administrator or send the request electronically • Request 24/7 roadside assistance — towing, jump start, lockout, flat tire, fuel delivery • Access your ID card on the home screen, ready when you need it • Pull up your contract documents anytime • Manage multiple policies on one account — auto, home, RV — and switch between them • Sign in fast with Face ID or Touch ID • Get push notifications about important policy updates (you choose which categories) WHY EMPIRE CUSTOMERS USE THIS APP You shouldn't have to dig through your filing cabinet, scan a paper card, or call to find your policy number. Empire Auto Protect mirrors the data your administrator already has — so what you see in the app matches what they see on their end. When something goes wrong on the road, time matters. The roadside button connects you to dispatch in under five seconds. The claim button pulls up the right phone number for your specific administrator (Aegis, Royal, ASC, and others) so you're never left guessing. ABOUT EMPIRE AUTO PROTECT Empire Auto Protect, LLC is a licensed vehicle service contract and home warranty broker based in the United States. We do not underwrite coverage ourselves — we connect customers with established administrators who handle claims and roadside. This app is a customer convenience tool; your actual coverage, claim outcomes, and contract terms are governed by the administrator named on your policy. PRIVACY AND SECURITY • Your data is encrypted in transit and at rest • Passwords are stored using industry-standard bcrypt hashing • Face ID / Touch ID is processed by your device — we never see your biometric data • We do not sell your personal information • Account deletion is available in the app at any time This app is in beta. Information shown comes from third-party administrators and may not reflect real-time status. For anything important — confirming a claim, payment status, coverage details — please call Empire at (888) 345-0084. Your coverage itself is unchanged regardless of app status. By using this app you agree to our Terms of Service and acknowledge our Privacy Policy, both available at empireautoprotect.com. Need help? Email support@empireautoprotect.com or call (888) 345-0084.

Screenshots

CFC Mobile Access4 screens
Empire Auto Protect4 screens

Verdict

The call

The clearest difference is ratings volume: CFC Mobile Access at 9.1K against Empire Auto Protect's 23. CFC Mobile Access also leads on update cadence (every 3 weeks vs every 2 months). On price, rating, ads and in-app purchases 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 — 4.3 for CFC Mobile Access against 4.4 for Empire Auto Protect. That said, the two scores are not equally well evidenced: CFC Mobile Access has 9.1K ratings behind it against 23, so its average is the more settled of the two.

UpkeepUpdate frequency

CFC Mobile Access ships an update every 3 weeks, Empire Auto Protect every 2 months. The most recent releases landed on November 6, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 8 level
CFC Mobile Access versus Empire Auto Protect: the parameters behind the verdict, then further details
ParameterCFC Mobile AccessEmpire Auto Protect
PriceFreeFree
Rating4.3 (9.1K ratings)4.4 (23 ratings) — better
Positive reviews18.0% of reviews—
Number of ratings9.1K — better23
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size39 MB25 MB
Age rating4+4+
DeveloperContinental Finance Company, LLCEmpire Auto Protect LLC

Customer experience

CFC Mobile Access

All ratings9,081 ratings
Positive84.7%
Neutral4.9%
Negative10.4%
Written reviews189 reviews
Positive18.0%
Neutral9.0%
Negative73.0%

Empire Auto Protect

All ratings19 ratings
Positive84.2%
Neutral0.0%
Negative15.8%

Bugs and requests

CFC Mobile Access

Reported bugs

4 issues
  • App crashes on login
  • Payment dates not showing up correctly
  • Credit balance not updating after payments
  • Inability to access account information

Requested features

5 requests
  • Add option to pay with debit card
  • Implement Touch ID/Face ID login
  • Save payment information for easier future payments
  • Provide more transparency around payment posting and credit limit updates
  • Improve app design and user experience

Empire Auto Protect

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CFC Mobile Access

No in-app purchases

None

Empire Auto Protect

No in-app purchases

Questions

Is CFC Mobile Access free?
CFC Mobile Access is free to download, with no in-app purchases.
Is Empire Auto Protect free?
Empire Auto Protect is free to download, with no in-app purchases.
Which has better reviews, CFC Mobile Access or Empire Auto Protect?
Empire Auto Protect is rated higher. CFC Mobile Access averages 4.3 out of 5 from 9.1K ratings, while Empire Auto Protect averages 4.4 from 23 ratings.
Do CFC Mobile Access or Empire Auto Protect have ads?
Neither CFC Mobile Access nor Empire Auto Protect shows ads.
Which is updated more often, CFC Mobile Access or Empire Auto Protect?
CFC Mobile Access ships an update every 3 weeks, and Empire Auto Protect every 2 months. Most recently, CFC Mobile Access was updated on November 6, 2026 and Empire Auto Protect on October 31, 2026.

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