# cred.ai vs First Progress

The clearest difference is review sentiment: cred.ai at 54% against First Progress's 6%. cred.ai also leads on rating (4.8 vs 1.7) and ratings volume (6.7K vs 147). First Progress's advantage is monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

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

cred.ai holds the better App Store score, 4.8 against 1.7. That said, the two scores are not equally well evidenced: cred.ai has 6.7K ratings behind it against 147, so its average is the more settled of the two. Written reviews point the same way: 54% of cred.ai's written reviews are positive against 6% of First Progress's.

cred.ai ships an update every 2 months, First Progress monthly. The most recent releases landed on October 1, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | cred.ai | First Progress |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (6.7K ratings)](https://appshunter.io/ios/app/credai/id1393703565/reviews)** | [1.7 (147 ratings)](https://appshunter.io/ios/app/first-progress/id1589075027/reviews) |
| Number of ratings | **6.7K** | 147 |
| Positive reviews | **54.3% of reviews** | 5.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 300 MB | 226 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [CRED Technologies LLC](https://appshunter.io/developer/1393703564) | [Vervent, Inc](https://appshunter.io/developer/1574751568) |

## What reviewers say

### cred.ai

[App page](https://appshunter.io/ios/app/credai/id1393703565)

This app offers a premium mobile spending experience with a free metal card. It ensures you never pay fees or interest, helps build credit automatically, and allows early access to your paycheck. Enjoy advanced features for secure and controlled spending.

**Highlights:** Free metal card, No fees or interest, Automatic credit building, Early paycheck access, Virtual digital cards, Timer Mode for security, Flux Capacitor for protection

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Builds credit without debt
- 🔒 Secure with stealth card feature
- 👍 Convenient and easy to use
- 💡 Innovative credit-building approach
- 🤑 Helps improve credit score

**What reviewers complain about**

- 🐛 Unreliable customer service
- 🤔 Inconvenient for some transactions
- 🕰️ Slow fund transfers
- 💸 Unclear fees and policies
- 🔒 Restrictive account access

**Reported bugs**

- Funds disappearing from accounts
- Login and verification issues
- Inconsistent card functionality

**Requested features**

- Instant fund transfers
- Ability to pay bills directly
- Expanded merchant acceptance
- Enhanced customer support options


### First Progress

[App page](https://appshunter.io/ios/app/first-progress/id1589075027)

Manage your credit card account securely and conveniently on the go. Make payments, view transaction history, monitor your credit limit, and redeem rewards. Access your account details anytime, anywhere.

**Highlights:** Manage account anytime, anywhere, Make secure payments, View transaction history, Monitor available credit limit, Redeem rewards

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 🚀 Fantastic
- 💡 No chip on card

**What reviewers complain about**

- 🐛 App crashes
- 🐛 App doesn't work
- 🐛 App payment not working
- 🐛 App unreliable
- 🐛 Difficult to make payments

**Reported bugs**

- App crashes when trying to log in
- App doesn't allow creating an account
- App doesn't work
- App freezes
- App forgets user credentials

**Requested features**

- Improve app functionality
- Implement auto-pay
- Provide better payment options


## Frequently asked questions

### Is cred.ai free?

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

### Is First Progress free?

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

### Which has better reviews, cred.ai or First Progress?

cred.ai is rated higher. cred.ai averages 4.8 out of 5 from 6.7K ratings, while First Progress averages 1.7 from 147 ratings.

### Do cred.ai or First Progress have ads?

Neither cred.ai nor First Progress shows ads.

### Which is updated more often, cred.ai or First Progress?

cred.ai ships an update every 2 months, and First Progress monthly. Most recently, cred.ai was updated on October 1, 2026 and First Progress on September 28, 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.*