# MySynchrony vs Mercury Cards

MySynchrony and Mercury Cards both sit at 4.8 stars, but that hides the real split: 82% of MySynchrony's written reviews are positive against 45% of Mercury Cards's. MySynchrony also leads on monetization model (free vs free with in-app purchases) and chart position (#29 vs unranked). Mercury Cards's advantage is iOS requirement (14.0 vs 18). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for MySynchrony against 4.8 for Mercury Cards. Both are backed by a comparable volume of ratings — 116K and 109K respectively. Written reviews are what separate them: 82% of MySynchrony's written reviews are positive against 45% of Mercury Cards's.

MySynchrony ships an update every 3 weeks, Mercury Cards monthly. Both last shipped on October 29, 2026.

## The numbers

| Metric | MySynchrony | Mercury Cards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (116K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews) | **[4.8 (109K ratings)](https://appshunter.io/ios/app/mercury-cards/id1445557038/reviews)** |
| Number of ratings | **116K** | 109K |
| Positive reviews | **82.2% of reviews** | 45.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#29** | — |
| Size | 197 MB | 89 MB |
| Requires iOS | 18 | **14.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Synchrony Financial](https://appshunter.io/developer/989262152) | [Mercury Financial LLC](https://appshunter.io/developer/1445557037) |

## What reviewers say

### MySynchrony

[App page](https://appshunter.io/ios/app/mysynchrony/id1280992496)

**Currently charting:** #29 Top Free · Finance (US App Store)

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

**Highlights:** Manage credit cards in one place, Secure biometric login, Schedule and manage payments, Check balance and credit limit, Review transaction history, Access partner deals and offers, Financial education blog

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 User-friendly
- 👍 Convenient
- 👍 Streamlined payment process
- 👍 Helpful for managing multiple accounts

**What reviewers complain about**

- 🐛 App crashes or freezes
- 🐛 Login issues
- 🐛 Inconsistent account information
- 🐛 Difficulty adding or managing accounts
- 🐛 Unreliable payment processing

**Reported bugs**

- Delayed payment updates
- Incorrect account balance information
- Compatibility issues with older devices
- Inability to remove closed accounts from the app

**Requested features**

- Ability to view all accounts in one place
- Option to set up automatic payments
- More detailed transaction history
- Improved notification system
- Ability to update personal information within the app


### Mercury Cards

[App page](https://appshunter.io/ios/app/mercury-cards/id1445557038)

Manage your credit card account with features designed to help you pay smarter, achieve financial goals, and stay in control. Track transactions, set up payments, monitor your credit score, and access customer service easily.

**Highlights:** Personalized payment amounts, Schedule and split payments, Automated monthly payments, Create financial goals, Personalized credit tips, Free FICO Score monitoring, Real-time transaction tracking

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use app
- 👍 Helpful for rebuilding credit
- 💡 Multiple payment options
- 🚀 Fast payment processing
- 👍 Good customer service

**What reviewers complain about**

- 🐛 Buggy app with crashes and freezes
- 🔍 Confusing navigation and UI
- 🤑 High interest rates
- ⚠️ Delayed payment processing and credit reporting
- 🤖 Poor overseas customer service

**Reported bugs**

- App freezing on payment screen
- Login issues with incorrect credentials
- Delayed credit reporting and payment processing
- Inconsistent app behavior after updates

**Requested features**

- Easier one-time payment option
- Pending transaction visibility on main screen
- Faster credit limit increases
- Improved app performance and stability
- Better in-app payment scheduling and management


## Frequently asked questions

### Is MySynchrony free?

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

### Is Mercury Cards free?

Mercury Cards is free to download, with no in-app purchases.

### Which has better reviews, MySynchrony or Mercury Cards?

Mercury Cards is rated higher. MySynchrony averages 4.8 out of 5 from 116K ratings, while Mercury Cards averages 4.8 from 109K ratings.

### Do MySynchrony or Mercury Cards have ads?

Neither MySynchrony nor Mercury Cards shows ads.

### Which is updated more often, MySynchrony or Mercury Cards?

MySynchrony ships an update every 3 weeks, and Mercury Cards monthly. Most recently, MySynchrony was updated on October 29, 2026 and Mercury Cards on October 29, 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.*