# Mercury Cards vs DebtApp

The clearest difference is rating: Mercury Cards at 4.8 against DebtApp's 4.2. Mercury Cards also leads on ratings volume (109K vs 73) and review sentiment (45% vs 33%). DebtApp's advantage is monetization model (free vs free with in-app purchases). 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.

Mercury Cards holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: Mercury Cards has 109K ratings behind it against 73, so its average is the more settled of the two. Written reviews point the same way: 45% of Mercury Cards's written reviews are positive against 33% of DebtApp's.

Mercury Cards ships an update monthly, DebtApp every 6 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | Mercury Cards | DebtApp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (109K ratings)](https://appshunter.io/ios/app/mercury-cards/id1445557038/reviews)** | [4.2 (73 ratings)](https://appshunter.io/ios/app/debtapp/id6447509689/reviews) |
| Number of ratings | **109K** | 73 |
| Positive reviews | **45.4% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 89 MB | 117 MB |
| Requires iOS | **14.0** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Mercury Financial LLC](https://appshunter.io/developer/1445557037) | [DebtApp, LLC](https://appshunter.io/developer/1212960272) |

## What reviewers say

### Mercury Cards

[App page](https://appshunter.io/ios/app/mercury-cards/id1445557038)

Manage your credit card account with features designed to help you pay smarter, achieve financial goals, and stay in control. Track transactions, set up payments, monitor your credit score, and access customer service easily.

**Highlights:** Personalized payment amounts, Schedule and split payments, Automated monthly payments, Create financial goals, Personalized credit tips, Free FICO Score monitoring, Real-time transaction tracking

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use app
- 👍 Helpful for rebuilding credit
- 💡 Multiple payment options
- 🚀 Fast payment processing
- 👍 Good customer service

**What reviewers complain about**

- 🐛 Buggy app with crashes and freezes
- 🔍 Confusing navigation and UI
- 🤑 High interest rates
- ⚠️ Delayed payment processing and credit reporting
- 🤖 Poor overseas customer service

**Reported bugs**

- App freezing on payment screen
- Login issues with incorrect credentials
- Delayed credit reporting and payment processing
- Inconsistent app behavior after updates

**Requested features**

- Easier one-time payment option
- Pending transaction visibility on main screen
- Faster credit limit increases
- Improved app performance and stability
- Better in-app payment scheduling and management


### DebtApp

[App page](https://appshunter.io/ios/app/debtapp/id6447509689)

Manage unsecured debt and track savings with this finance app. View negotiated settlement offers from creditors and stay on top of your financial goals.

**Highlights:** View unsecured debt balances, Track current savings, Manage creditor settlement offers, Access negotiated deals

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Mercury Cards free?

Mercury Cards is free to download, with no in-app purchases.

### Is DebtApp free?

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

### Which has better reviews, Mercury Cards or DebtApp?

Mercury Cards is rated higher. Mercury Cards averages 4.8 out of 5 from 109K ratings, while DebtApp averages 4.2 from 73 ratings.

### Do Mercury Cards or DebtApp have ads?

Neither Mercury Cards nor DebtApp shows ads.

### Which is updated more often, Mercury Cards or DebtApp?

Mercury Cards ships an update monthly, and DebtApp every 6 weeks. Most recently, Mercury Cards was updated on November 3, 2026 and DebtApp on November 3, 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.*