# Patelco Plus Checking Benefits vs Smart & Final

The clearest difference is rating: Smart & Final at 4.6 against Patelco Plus Checking Benefits's 2.0. Smart & Final also leads on ratings volume (9.7K vs 13) and review sentiment (15% vs 0%). Patelco Plus Checking Benefits's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and device support there is nothing between them.

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

Smart & Final holds the better App Store score, 4.6 against 2.0. That said, the two scores are not equally well evidenced: Smart & Final has 9.7K ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 0% of Patelco Plus Checking Benefits's written reviews are positive against 15% of Smart & Final's.

Patelco Plus Checking Benefits ships an update every 4 months, Smart & Final every 2 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Patelco Plus Checking Benefits | Smart & Final |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (13 ratings)](https://appshunter.io/ios/app/patelco-plus-checking-benefits/id1426092917/reviews) | **[4.6 (9.7K ratings)](https://appshunter.io/ios/app/smart-and-final/id1476069363/reviews)** |
| Number of ratings | 13 | **9.7K** |
| Positive reviews | 0.0% of reviews | **15.3% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 102 MB | 119 MB |
| Requires iOS | **14.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Patelco Credit Union](https://appshunter.io/developer/1026895981) | [Smart & Final Stores LLC](https://appshunter.io/developer/1476069362) |

## What reviewers say

### Patelco Plus Checking Benefits

[App page](https://appshunter.io/ios/app/patelco-plus-checking-benefits/id1426092917)

Access exclusive local and national discounts on dining, shopping, and entertainment. This app also provides identity theft protection, credit monitoring, roadside assistance, and cell phone protection for members with a Plus Checking account.

**Highlights:** Exclusive local and national discounts, Identity theft protection, Free credit monitoring, 24/7 roadside assistance, Cell phone protection, Local coupons and online discounts

**Features:** Apple Wallet

**In-app purchases:** none


### Smart & Final

[App page](https://appshunter.io/ios/app/smart-and-final/id1476069363)

Shop for groceries and household essentials at low prices. Order online for same-day delivery or store pickup. Access weekly ads, clip digital coupons, and view your order history.

**Highlights:** Online ordering for delivery or pickup, Access weekly ads and promotions, Clip digital coupons, View order history, Store locator

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast delivery
- 👍 Organized app
- 💡 Digital coupons

**What reviewers complain about**

- 🐛 Clipping coupons doesn't work
- 🐛 App crashes/freezes
- 🐛 Login/sign-in issues
- 🐛 Difficult to navigate
- 🐛 Inaccurate pricing/discounts

**Reported bugs**

- Digital coupons not working
- App crashing/freezing
- Login/sign-in problems
- Incorrect pricing/discounts

**Requested features**

- Ability to see item stock at local store
- Easier coupon clipping process
- Loyalty points program
- More user-friendly interface
- Better integration with website


## Frequently asked questions

### Is Patelco Plus Checking Benefits free?

Patelco Plus Checking Benefits is free to download, with no in-app purchases.

### Is Smart & Final free?

Smart & Final is free to download, with no in-app purchases.

### Which has better reviews, Patelco Plus Checking Benefits or Smart & Final?

Smart & Final is rated higher. Patelco Plus Checking Benefits averages 2.0 out of 5 from 13 ratings, while Smart & Final averages 4.6 from 9.7K ratings.

### Do Patelco Plus Checking Benefits or Smart & Final have ads?

Smart & Final shows ads; Patelco Plus Checking Benefits does not.

### Which is updated more often, Patelco Plus Checking Benefits or Smart & Final?

Patelco Plus Checking Benefits ships an update every 4 months, and Smart & Final every 2 months. Most recently, Patelco Plus Checking Benefits was updated on October 24, 2026 and Smart & Final on October 27, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*