Comparison

Upgrade vs Cancel

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

Head to head
About

Upgrade

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Highlights
  • Cash back rewards on card purchases
  • Manage personal loans and credit lines
  • Track credit score and receive alerts
  • High-yield savings accounts
  • Cash advance requests
  • Bill payment and balance checking
Features
Currently charting
Read full description

Get easy and rewarding mobile banking all in one place! Open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. • Track Rewards – Earn cash back rewards on credit card purchases¹ • Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance. • Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at mobile_app_feedback@upgrade.com Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details. All loans, credit cards, personal credit lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).

About

Cancel

Effortlessly discover and manage your recurring payments. This app uses on-device AI to scan billing statements or allows manual entry to track subscription costs and renewal dates, helping you identify and cancel unused services to save money.

Highlights
  • Manual subscription entry
  • Billing statement scanning with on-device AI
  • Monthly cost normalization
  • Renewal date alerts
  • AI-powered audit for cancellation suggestions
  • Savings tracking
Features
Read full description

The average person pays for subscriptions they forgot about. Cancel helps you find them, track them, and cut the ones you don't use. No bank connection. Ever. Cancel works without linking your bank account. Add subscriptions manually or snap a photo of a billing statement — on-device AI reads the name, price, and renewal date automatically. Your financial data stays on your phone. See your real monthly cost Every subscription is normalized to monthly cost. Watch the total — it's probably more than you think. $284/month. $3,408/year. Never get surprised by a renewal Cancel alerts you 3 days before every subscription renews. No more "wait, they charged me again?" moments. Find what to cancel The AI Audit ranks your subscriptions by value. Low scores get a plain-English verdict: "You rarely use Peloton at $44/month. Cancelling saves $528/year." Track your savings Mark a subscription cancelled and watch your savings counter grow. See exactly how much you've reclaimed. No account required. Works offline. Private by design. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://brainrash.com/apps/cancel-tracker/privacy

Screenshots

Upgrade4 screens
Cancel4 screens

Verdict

The call

The clearest difference is rating: Upgrade at 4.9 against Cancel's 1.0. Upgrade also leads on ratings volume (84K vs 1) and update cadence (every 11 days vs every 6 weeks). Cancel's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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

Upgrade holds the better App Store score, 4.9 against 1.0. That said, the two scores are not equally well evidenced: Upgrade has 84K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Upgrade ships an update every 11 days, Cancel every 6 weeks. The most recent releases landed on October 19, 2026 and October 15, 2026 respectively.

Scorecard6 real differences · 5 level
Upgrade versus Cancel: the parameters behind the verdict, then further details
ParameterUpgradeCancel
PriceFreeFree
Rating4.9 (84K ratings) — better1.0 (1 ratings)
Positive reviews53.3% of reviews—
Number of ratings84K — better1
Update frequencyEvery 11 days — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#149 — better—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better26.0
Further details — not scored
Size93 MB4 MB
Age rating17+4+
DeveloperUpgrade, Inc.Justin Pruskowski

Bugs and requests

Upgrade

Reported bugs

2 issues
  • Login issues and inability to reset passwords
  • Discrepancies between app and website information

Requested features

3 requests
  • Ability to lock/unlock debit and credit cards
  • Instant access to deposited funds
  • Improved app stability and user experience

Cancel

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Upgrade

No in-app purchases

None

Cancel

No in-app purchases

Questions

Is Upgrade free?
Upgrade is free to download, with no in-app purchases.
Is Cancel free?
Cancel is free to download, with no in-app purchases.
Which has better reviews, Upgrade or Cancel?
Upgrade is rated higher. Upgrade averages 4.9 out of 5 from 84K ratings, while Cancel averages 1.0 from 1 ratings.
Do Upgrade or Cancel have ads?
Neither Upgrade nor Cancel shows ads.
Which is updated more often, Upgrade or Cancel?
Upgrade ships an update every 11 days, and Cancel every 6 weeks. Most recently, Upgrade was updated on October 19, 2026 and Cancel on October 15, 2026.

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