Comparison

Smart Card Utility vs ACFT Calculator

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

Head to head
About

Smart Card Utility

Access secure government and military websites on your iPhone or iPad using your PIV-enabled smart card. Log in quickly to Office 365, Webmail, Teams, and more, eliminating the need for a laptop.

Highlights
  • Smart card authentication for O365, Webmail, Teams
  • Access CAC protected websites via Safari
  • Fast login on iPhone and iPad
  • Supports PIV, CACv2/ECA, and PKCS15 cards
  • Compatible with various smart card readers
  • Access military and civilian web sites
Read full description

CAC Smart Card Access to O365, Webmail, Teams, and Much More Smart Card Utility enables smart card authentication to Office 365, Webmail, Teams, and most other CAC protected websites via Safari. Just plug in your existing PIV-enabled smart card and log in. Smart Card Utility is used by members of Air Force, Navy, Marines, Army, Coast Guard, and other military/government employees to access CAC protected websites on their iPhone or iPad. Login and Get to Work Fast! Forget about waiting for 20 minute for your laptop to boot up, log in and launch apps. Using your iPhone and iPad and Smart Card Utility, it takes seconds to turn on and access websites, Teams, Office 365 and more using your CAC smart card. Login fast with your CAC card and Smart Card Utility Readers for iOS and iPhone. Smart Card Authentication Wherever You Are Forget about waiting to get back to your laptop to check your email, verify your paycheck, take a course, or respond to a message on Teams. Smart Card Utility makes it simple to use the device you have with you to keep you connected. Simply insert your CAC into the reader and you are ready to access the resources where ever you are. Check Your Email and So Much More Leave your laptop behind and stop waiting in line to check your email on a shared PC. Use your smart card right on your iPhone or iPad to access your web mail using your CAC or PIV card. Smart Card Utility has been tested and is compatible with the most common military and civilian web sites, including: mypay.dfas.mil (myPay) www.defensetravel.osd.mil (Defense Travel System/DTS) jkodirect.jten.mil (JKO Learning Management) Office 365 (o365) owa.us.af.mil (webmail) www.tricare.mil (Tricare Health Care) www.dau.edu (DAU Defense Acquisition University) owa.us.af.mil (webmail) Microsoft Teams (web) MAX.gov Okta PIV Microsoft Azure Azure Active Directory (Azure AD) Amazon Web Services (AWS) Supported Readers: All Smart Card readers from Twocanoes Software. Feitian br301 Bluetooth Reader Feitian iR301 Lightning Reader Feitian iR301 USB-C Reader Certgate AirID 2 Bluetooth Contact Smart Card Reader USB-C wired readers supported by iOS 16 or later. Supported Card: PIV CACv2/ECA (see https://public.cyber.mil/eca/ for more infomation) PKCS15 (Country-specific cards, healthcare cards and national ID cards) EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

ACFT Calculator

Calculate your Army Combat Fitness Test scores with this straightforward tool. It offers a journal for notes, score saving for diagnostics and records, and easy sharing of results via text and email. This free app prioritizes simplicity and user privacy.

Highlights
  • ACFT score calculation
  • Journal for notes
  • Save scores for diagnostics
  • Save scores for records
  • Share results via text/email
Features
Read full description

Very simply, it's an Army Combat Fitness Test score calculator. No ads, no accounts, no subscriptions, no data collection. Just a quick free and easy tool. We've also got a journal tool for note taking and the ability to save scores as diagnostic and for record. Share your results by text and email from within the app. This app is a lite / free offering from the New School Army project. For a bigger app with tons of Army fitness tools and deep dives into the regulations check out the Army Fitness app.

Screenshots

Smart Card Utility4 screens
ACFT Calculator4 screens

Verdict

The call

The clearest difference is in-app purchases: ACFT Calculator at none against Smart Card Utility's 4. ACFT Calculator also leads on iOS requirement (12.0 vs 15.0). Smart Card Utility's advantage is update cadence (every 2 months vs every 77 months) and review sentiment (39% vs 25%). On price, ads 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. Smart Card Utility sells 4 in-app purchases, starting at $2.99 per month. ACFT Calculator asks for nothing beyond the download.

UpkeepUpdate frequency

Smart Card Utility ships an update every 2 months, ACFT Calculator every 77 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

Scorecard5 real differences · 5 level
Smart Card Utility versus ACFT Calculator: the parameters behind the verdict, then further details
ParameterSmart Card UtilityACFT Calculator
PriceFreeFree
Rating2.9 (63 ratings) — better—
Positive reviews38.6% of reviews — better25.0% of reviews
Number of ratings63 — better—
Update frequencyEvery 2 months — betterEvery 77 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPad, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size8 MB30 MB
Age rating4+17+
DeveloperTwocanoes Software, Inc.Polemics Applications LLC

Customer experience

Smart Card Utility

All ratings60 ratings
Positive48.3%
Neutral3.3%
Negative48.3%
Written reviews57 reviews
Positive38.6%
Neutral7.0%
Negative54.4%

ACFT Calculator

Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Bugs and requests

Smart Card Utility

Reported bugs

17 issues
  • Device will not connect to newer iPhones
  • PIN suddenly won't work
  • Does not see SCR 3310 card reader
  • Bluetooth reader bug on macOS
  • New update broke BT read on iOS
Show 12 more
  • Reproducible bug with Bluetooth reader and macOS Sonoma
  • Reader not showing up in app
  • Limited trial is very limited
  • iOS 16 with SCR3310 Non-functional
  • App sees reader, but cannot detect smart card
  • Reader could not be verified
  • App detects reader, but reader does not detect card
  • Broken in Big Sur
  • App opens but closes or prompts for purchase on Big Sur
  • BigSur Doesnt Work
  • Big Sur Bricked it
  • Doesn't work in Big Sur

Requested features

3 requests
  • Support for more CAC enabled sites
  • Show cert chain graphically
  • Support alphanumeric+symbols PINs

ACFT Calculator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Smart Card Utility

Subscriptions1
  • 3rd Party Readers Support$2.991 Month
One-time3
  • Smart Card Utility$49.99
  • Smart Card Utility Mobile$49.99
  • Third Party Readers$49.99
None

ACFT Calculator

No in-app purchases

Questions

Is Smart Card Utility free?
Smart Card Utility is free to download, with in-app purchases available.
Is ACFT Calculator free?
ACFT Calculator is free to download, with no in-app purchases.
Do Smart Card Utility or ACFT Calculator have ads?
Neither Smart Card Utility nor ACFT Calculator shows ads.
Which is updated more often, Smart Card Utility or ACFT Calculator?
Smart Card Utility ships an update every 2 months, and ACFT Calculator every 77 months. Most recently, Smart Card Utility was updated on October 23, 2026 and ACFT Calculator on October 22, 2026.

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