Comparison

OCA Mobile vs Perkfolio

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

Head to head
About

OCA Mobile

Manage your consumer-directed healthcare and tax-advantaged benefit accounts from a single mobile application. View balances, transaction history, fund accounts, and manage alerts. Securely access your information with enhanced authentication.

Highlights
  • View account balances and details
  • Track recent transactions
  • Fund HSA accounts
  • Manage email alerts
  • Contact administrator
  • View demographic details and dependents
  • Access card details and PIN
Features
Read full description

OCA Mobile is developed by OCA (Office of Compliant Administration). The app provides a single access point for participants to manage their consumer empowered healthcare and other tax favored benefit accounts. OCA Mobile provides the following functionality: • Benefit Health Account balances and details • Recent transactions and details • Ability to fund HSA account from checking/savings account • View all email alerts • Contact administrator from mobile application via email or mobile phone • Same username/password as the online portal (no need to register your mobile device; just download, login, and go!) • Stronger authentication support (Picture/Passphrase, device identification and challenge questions) • View Demographic Details • View Dependents • View Card Details • View Card PIN • Fund HSA account from registered external bank accounts • Register new users directly from mobile device

About

Perkfolio

This app consolidates all your credit card benefits, tracking recurring statement credits, one-time offers, and certificates to ensure you never miss an expiring perk. It helps you maximize the value of your cards and understand their return on investment.

Highlights
  • Card wallet with benefit catalog
  • Automatic credit expiration tracking
  • Daily/weekly benefit digests
  • ROI calculation for cards
  • Certificate and offer tracking
  • Face ID app lock for privacy
Features
Read full description

Perkfolio keeps every credit card benefit in one place, so annual fees actually pay for themselves. Most premium cards bury their value in a maze of recurring statement credits, one-time targeted offers, and certificates that expire quietly if you don't use them. Perkfolio tracks all of it for you. CARD WALLET Add every card you carry, from a shared catalog of researched benefits or as a custom card if yours isn't listed yet. See annual fees, credits, and ROI side by side. NEVER MISS A CREDIT Perkfolio tracks monthly, quarterly, semiannual, calendar-year, and card-anniversary benefits automatically, calculating the current and next reset window for each one, so you always know what's about to expire. DIGESTS Get a daily or weekly summary of what's expiring soon, delivered by push notification, email, or Slack, your choice. ROI AT A GLANCE See exactly how much value you've captured against what each card costs, so you know which ones are still worth keeping. CERTIFICATES & ONE-TIME OFFERS Track free-night certificates, companion passes, and targeted offers alongside your recurring credits, with the same expiration reminders. PRIVATE BY DESIGN Your card and benefit data is yours. Face ID app lock keeps your wallet private on your phone, and Perkfolio is not affiliated with any card issuer, Plaid, Google, or Slack. Perkfolio is an independent, ad-free project built for people tired of leaving credits on the table.

Screenshots

OCA Mobile4 screens
Perkfolio4 screens

Verdict

The call

The clearest difference is review sentiment: Perkfolio at 100% against OCA Mobile's 36%. Perkfolio also leads on rating (5.0 vs 4.6) and update cadence (every 2 weeks vs every 3 months). OCA Mobile's advantage is ratings volume (1.6K vs 2). 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

Perkfolio holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: OCA Mobile has 1.6K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 36% of OCA Mobile's written reviews are positive against 100% of Perkfolio's.

UpkeepUpdate frequency

OCA Mobile ships an update every 3 months, Perkfolio every 2 weeks. The most recent releases landed on November 6, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
OCA Mobile versus Perkfolio: the parameters behind the verdict, then further details
ParameterOCA MobilePerkfolio
PriceFreeFree
Rating4.6 (1.6K ratings)5.0 (2 ratings) — better
Positive reviews36.4% of reviews100.0% of reviews — better
Number of ratings1.6K — better2
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size31 MB2 MB
Age rating17+4+
DeveloperO.c.a. Benefit Services LimiteSanchit Batra

Customer experience

OCA Mobile

All ratings1,515 ratings
Positive89.7%
Neutral1.9%
Negative8.4%
Written reviews22 reviews
Positive36.4%
Neutral9.1%
Negative54.5%

Perkfolio

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

OCA Mobile

Reported bugs

3 issues
  • App crashes on newer iPhone models
  • Inconsistent account access and functionality
  • Incorrect claim status and payment information

Requested features

3 requests
  • Improved login and password recovery options
  • Ability to check item eligibility before purchase
  • Expanded store and payment method support

Perkfolio

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OCA Mobile

No in-app purchases

None

Perkfolio

No in-app purchases

Questions

Is OCA Mobile free?
OCA Mobile is free to download, with no in-app purchases.
Is Perkfolio free?
Perkfolio is free to download, with no in-app purchases.
Which has better reviews, OCA Mobile or Perkfolio?
Perkfolio is rated higher. OCA Mobile averages 4.6 out of 5 from 1.6K ratings, while Perkfolio averages 5.0 from 2 ratings.
Do OCA Mobile or Perkfolio have ads?
Neither OCA Mobile nor Perkfolio shows ads.
Which is updated more often, OCA Mobile or Perkfolio?
OCA Mobile ships an update every 3 months, and Perkfolio every 2 weeks. Most recently, OCA Mobile was updated on November 6, 2026 and Perkfolio on October 31, 2026.

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