# MySynchrony vs Sheffield Financial

The clearest difference is review sentiment: MySynchrony at 82% against Sheffield Financial's 2%. MySynchrony also leads on rating (4.8 vs 1.4) and update cadence (every 3 weeks vs every 5 months). Sheffield Financial's advantage is iOS requirement (13.0 vs 18). On price, ads, in-app purchases and monetization model there is nothing between them.

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

MySynchrony holds the better App Store score, 4.8 against 1.4. That said, the two scores are not equally well evidenced: MySynchrony has 116K ratings behind it against 464, so its average is the more settled of the two. Written reviews point the same way: 82% of MySynchrony's written reviews are positive against 2% of Sheffield Financial's.

MySynchrony ships an update every 3 weeks, Sheffield Financial every 5 months. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | MySynchrony | Sheffield Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (116K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews)** | [1.4 (464 ratings)](https://appshunter.io/ios/app/sheffield-financial/id6449265906/reviews) |
| Number of ratings | **116K** | 464 |
| Positive reviews | **82.2% of reviews** | 2.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 months |
| Monetization | Free | Free |
| Best chart rank | **#24** | — |
| Size | 197 MB | 4 MB |
| Requires iOS | 18 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Synchrony Financial](https://appshunter.io/developer/989262152) | [Sheffield Financial](https://appshunter.io/developer/1688457875) |

## What reviewers say

### MySynchrony

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

**Currently charting:** #24 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


### Sheffield Financial

[App page](https://appshunter.io/ios/app/sheffield-financial/id6449265906)

Easily manage your Sheffield Financial account from your mobile device. View balances, access billing statements, and make secure payments. Schedule one-time or recurring payments using your debit card or banking information.

**Highlights:** View account balances, Access billing statements, Make one-time payments, Schedule recurring payments, Secure mobile management

**In-app purchases:** none

**What reviewers like**

- 💡 Allows Face ID/fingerprint login

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Inaccurate balance information
- 👎 Difficult to make payments
- 👎 Lack of user-friendly features
- 🔒 Security concerns with password reset process

**Reported bugs**

- Constant password reset requirement
- Login credentials not recognized
- App crashing or not loading
- Outdated app version warnings

**Requested features**

- Ability to save payment information
- Improved payment history tracking
- Automatic payment scheduling option
- Streamlined login process


## Frequently asked questions

### Is MySynchrony free?

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

### Is Sheffield Financial free?

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

### Which has better reviews, MySynchrony or Sheffield Financial?

MySynchrony is rated higher. MySynchrony averages 4.8 out of 5 from 116K ratings, while Sheffield Financial averages 1.4 from 464 ratings.

### Do MySynchrony or Sheffield Financial have ads?

Neither MySynchrony nor Sheffield Financial shows ads.

### Which is updated more often, MySynchrony or Sheffield Financial?

MySynchrony ships an update every 3 weeks, and Sheffield Financial every 5 months. Most recently, MySynchrony was updated on October 27, 2026 and Sheffield Financial on October 25, 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.*