# Centivo vs Credence

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 (511 vs 61). 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.

Credence holds the better App Store score, 3.9 against 3.6. That said, the two scores are not equally well evidenced: Credence has 511 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 25, 2026 respectively.

## The numbers

| Metric | Centivo | Credence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (61 ratings)](https://appshunter.io/ios/app/centivo/id1445594850/reviews) | **[3.9 (511 ratings)](https://appshunter.io/ios/app/credence/id6443386561/reviews)** |
| Number of ratings | 61 | **511** |
| Positive reviews | **50.0% of reviews** | 9.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 20 MB | 29 MB |
| Requires iOS | **11.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 12+ |
| Developer | [Centivo](https://appshunter.io/developer/1445594849) | [UTIC Insurance Company](https://appshunter.io/developer/1441571934) |

## What reviewers say

### Centivo

[App page](https://appshunter.io/ios/app/centivo/id1445594850)

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.

**Highlights:** Access health benefits, Manage health benefits, Find needed care, Membership verification, Account setup

**Features:** macOS Compatibility

**In-app purchases:** none


### Credence

[App page](https://appshunter.io/ios/app/credence/id6443386561)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 On-the-go information access
- 👍 Virtual card is nice
- 🚀 Faster experience (one review)
- 👍 Good so far (two reviews)

**What reviewers complain about**

- 🐛 App never works
- 🐛 App is terrible
- 🐛 App is not user friendly
- 🐛 App is archaic
- 🐛 App is useless

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Centivo free?

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

### Is Credence free?

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

### Which has better reviews, Centivo or Credence?

Credence is rated higher. Centivo averages 3.6 out of 5 from 61 ratings, while Credence averages 3.9 from 511 ratings.

### Do Centivo or Credence have ads?

Neither Centivo nor Credence shows ads.

### Which is updated more often, Centivo or Credence?

Centivo ships an update every 3 months, and Credence every 2 months. Most recently, Centivo was updated on October 21, 2026 and Credence on October 25, 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.*