Comparison

Mercury Cards vs Best Egg

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

Head to head
About

Mercury Cards

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
Read full description

Welcome to the Mercury® Cards App, giving Mercury cardmembers an easier way to control their card— and their credit. Download it for free now to take advantage of mobile access to: Smarter ways to pay - Smart Spot gives you a personalized payment amount to help you save money and time paying down your balance. - Schedule and split payments into easier, bite-sized payments throughout the month. Greater flexibility means greater freedom. - Set up automated monthly payments with Easy Pay—and never pay a late fee. A personal success plan - Create goals that can keep you on track throughout your journey. - Get personalized tips that can help you improve your credit. - Monitor your FICO® Score for Free, always available at your fingertips. On-the-go control - Keep a close eye on your transactions and account balance in real time. - Manage authorized users, linked bank accounts, statement delivery options, travel notifications, alerts, and more. - Easily add your card to Apple Pay for a more convenient way to pay. - Access customer service with one-touch dialing, if you need support. See you on the app—where we’re not just in your pocket, we’re in your corner too.

About

Best Egg

Manage your personal finances securely and conveniently from anywhere. Check balances, pay bills, and monitor your credit score with a suite of financial health tools. Access account details and customer service easily within the app.

Highlights
  • Account management
  • Secure access with encryption
  • Bill payments
  • Financial health tools
  • Credit score monitoring
  • Customer service access
Features
Read full description

Best Egg: Financial control at your fingertips. Download the personal finance app that allows you to manage your Best Egg accounts from anywhere. The seamless and secure financial management experience goes where you go. Easily and conveniently check your balance, pay your bills, and monitor your credit score with the Best Egg app. Key Features: • Account Management: View your account balances, payment history, and detailed statements anytime, anywhere. • Secure Access: Your security is our top priority. Best Egg: Personal Finance uses industry-leading encryption to ensure your data is protected. • Bill Payments: Stay on top of your monthly bill and pay directly from the app. Add new payment sources and update existing banking information easily. • Financial Health Tools: Access a powerful suite of tools and resources designed to help you boost your credit score and manage your finances with confidence. • Customer Service: Our award-winning, dedicated customer service team is at your fingertips. Contact them through the app or request a call for a time that’s convenient to you.

Screenshots

Mercury Cards4 screens
Best Egg3 screens

Verdict

The call

The clearest difference is monetization model: Best Egg at free against Mercury Cards's free with in-app purchases. Mercury Cards's advantage is ratings volume (109K vs 11K) and review sentiment (45% vs 37%). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.8 for Mercury Cards against 4.8 for Best Egg. That said, the two scores are not equally well evidenced: Mercury Cards has 109K ratings behind it against 11K, so its average is the more settled of the two. Written reviews are what separate them: 45% of Mercury Cards's written reviews are positive against 37% of Best Egg's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. Both last shipped on October 30, 2026.

Scorecard4 real differences · 6 level
Mercury Cards versus Best Egg: the parameters behind the verdict, then further details
ParameterMercury CardsBest Egg
PriceFreeFree
Rating4.8 (109K ratings) — better4.8 (11K ratings)
Positive reviews45.4% of reviews — better37.0% of reviews
Number of ratings109K — better11K
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS14.0 — better17.0
Further details — not scored
Size89 MB33 MB
Age rating4+4+
DeveloperMercury Financial LLCBest Egg Technologies, LLC

Customer experience

Mercury Cards

All ratings109,210 ratings
Positive96.7%
Neutral1.6%
Negative1.7%
Written reviews240 reviews
Positive45.4%
Neutral8.3%
Negative46.3%

Best Egg

All ratings10,829 ratings
Positive94.9%
Neutral1.2%
Negative3.9%
Written reviews119 reviews
Positive37.0%
Neutral2.5%
Negative60.5%

User reviews

Mercury Cards

From 109K App Store ratings

What we love

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

Room to improve

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

Best Egg

From 11K App Store ratings

What we love

  • 👍 Able to log in
  • 👍 Thankful for the update

Room to improve

  • 🐛 Unable to log in
  • 🐛 Keyboard covers submit button
  • 🐛 App doesn't work
  • 🐛 Login credentials not recognized
  • 🐛 Cannot sign in

Bugs and requests

Mercury Cards

Reported bugs

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

Requested features

5 requests
  • 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

Best Egg

Reported bugs

3 issues
  • Login issues
  • App not recognizing login credentials
  • Keyboard covering submit button

Requested features

2 requests
  • Fix login issues
  • Improve app functionality

In-app purchases

None

Mercury Cards

No in-app purchases

None

Best Egg

No in-app purchases

Questions

Is Mercury Cards free?
Mercury Cards is free to download, with no in-app purchases.
Is Best Egg free?
Best Egg is free to download, with no in-app purchases.
Which has better reviews, Mercury Cards or Best Egg?
Mercury Cards is rated higher. Mercury Cards averages 4.8 out of 5 from 109K ratings, while Best Egg averages 4.8 from 11K ratings.
Do Mercury Cards or Best Egg have ads?
Neither Mercury Cards nor Best Egg shows ads.
Which is updated more often, Mercury Cards or Best Egg?
Mercury Cards ships an update monthly, and Best Egg monthly. Most recently, Mercury Cards was updated on October 30, 2026 and Best Egg on October 30, 2026.

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