# Vault Payments vs True Rewards

The clearest difference is review sentiment: Vault Payments at 25% against True Rewards's 7%. Vault Payments also leads on update cadence (every 3 weeks vs every 2 months). True Rewards's advantage is iOS requirement (13.0 vs 16.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Vault Payments ships an update every 3 weeks, True Rewards every 2 months. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Vault Payments | True Rewards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/vault-payments/id1466020462/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | **25.0% of reviews** | 7.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 57 MB | 74 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Vault Payment Solutions Group Pty Ltd](https://appshunter.io/developer/1466020461) | [True Rewards Pty Ltd](https://appshunter.io/developer/1535886559) |

## What reviewers say

### Vault Payments

[App page](https://appshunter.io/ios/app/vault-payments/id1466020462)

Manage prepaid Mastercards and add them to your digital wallet on Apple devices. This app offers a quick, easy, and secure way to utilize your prepaid cards.

**Highlights:** Prepaid Mastercard management, Add to Apple Wallet, Quick and easy utilization, Secure transactions

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

**In-app purchases:** none


### True Rewards

[App page](https://appshunter.io/ios/app/true-rewards/id1540818318)

Manage your True Rewards Visa Gift Card and digital rewards on the go. Securely check your balance, view transaction history, and add your gift card to your digital wallet for easy spending anywhere Apple Pay is accepted.

**Highlights:** Check card balance, View transaction history, Add gift cards to Apple Wallet, Secure gift card access, Spend with Apple Pay

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Good customer service (rare instances)
- 🚀 Quick setup (rare instances)

**What reviewers complain about**

- 🐛 App won't work
- 🐛 Cannot log in
- 🐛 App crashes/freezes
- 🐛 Activation screen issues
- 🐛 Gift card not usable

**Reported bugs**

- App won't work
- Cannot log in
- App crashes/freezes
- Activation screen issues
- Gift card not usable


## Frequently asked questions

### Is Vault Payments free?

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

### Is True Rewards free?

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

### Do Vault Payments or True Rewards have ads?

Neither Vault Payments nor True Rewards shows ads.

### Which is updated more often, Vault Payments or True Rewards?

Vault Payments ships an update every 3 weeks, and True Rewards every 2 months. Most recently, Vault Payments was updated on November 7, 2026 and True Rewards 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.*