Centivo vs Credence
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Centivo
Access and manage your health benefits seamlessly. Find the care you need and get the most out of your membership with easy account setup and benefit management.
- Access health benefits
- Manage health benefits
- Find needed care
- Membership verification
- Account setup
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With the Centivo app, members can easily access and manage your health benefits and find the care you need. When you log into the app for the first time, we’ll verify your membership and help you setup your account. Then you’ll be ready to get the most out of your benefits.
Credence
Access your health plan details, claims, and benefits on the go. Easily view your member ID card, track spending, and find in-network providers. Securely communicate with customer service for a streamlined experience.
- Log in with Touch/Face ID
- Check claims and benefits
- View member ID card
- Track deductible and out-of-pocket spend
- Find in-network providers
- Secure customer service communication
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The Credence mobile app is now available for your iPhone intended for use by all Credence Blue Cross and Blue Shield members. Save time, and get your plan details on the go. Features for members: • Log in easily with Touch/Face ID options • Check your claims and benefits • View or email your member ID card • Track your deductible and out-of-pocket spend • Find an in-network provider with the Find Care tool • Communicate securely with Customer Service Use your Credence username and password to access your online account from the app. You can also set up Touch or Face ID for quicker access. *There is no charge from Credence Blue Cross and Blue Shield to download the Credence mobile app, but rates from your wireless provider may apply. This Information is for educational purposes only and is not a substitute for personal care from a licensed physician. Please consult your physician for diagnosis and treatment options.
Screenshots
Verdict
The clearest difference is review sentiment: Centivo at 50% against Credence's 10%. Centivo also leads on iOS requirement (11.0 vs 15.1). Credence's advantage is rating (3.9 vs 3.6) and ratings volume (510 vs 61). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Credence holds the better App Store score, 3.9 against 3.6. That said, the two scores are not equally well evidenced: Credence has 510 ratings behind it against 61, so its average is the more settled of the two. Written reviews complicate that: 50% of Centivo's written reviews are positive against 10% of Credence's, so the app with the better star average is not the one people write more warmly about.
Centivo ships an update every 3 months, Credence every 2 months. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.
| Parameter | Centivo | Credence |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (61 ratings) | 3.9 (510 ratings) — better |
| Positive reviews | 50.0% of reviews — better | 9.7% of reviews |
| Number of ratings | 61 | 510 — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 20 MB | 29 MB |
| Age rating | 12+ | 12+ |
| Developer | Centivo | UTIC Insurance Company |
Customer experience
Centivo
Credence
Bugs and requests
Centivo
Not enough reviews yet to summarise bugs or requests.
Credence
Reported bugs
13 issues- App will not let me view network
- App never works for looking up doctors
- Unable to see claims submitted over a month ago
- ID verification via text/email does not work
- App freezes and does not load properly
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- App stays on loading screen and never loads
- App perpetually hangs on loading screen after login
- Login credentials result in an indefinite loading screen
- App gets stuck on the load screen
- Dual factor authentication screen does not work
- Find care and claims sections show a buffering circle indefinitely
- App times out
- Benefits shut off unexpectedly
Requested features
8 requests- Invest in human-centered design for better UX
- Improve ID verification process (text/email)
- Allow adding ID card to Apple Wallet
- Provide clear information on what is paid and owed
- Display deductible and OOP status
Show 3 moreShow fewer
- Enable viewing of pharmacy claims
- Include dependent suffixes in the app
- Ensure benefits are active when they should be
In-app purchases
Centivo
No in-app purchases
Credence
No in-app purchases
