Comparison

Gateway Mobile App vs Points Vault

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

Head to head
About

Gateway Mobile App

Manage your finances on the go with this banking app. Easily deposit checks, view account balances and activity, and transfer funds. Discover new products and services offered by the bank.

Highlights
  • Mobile check deposits
  • Account balance and activity review
  • Fund transfers
  • Product and service information
  • Account management
Read full description

Stay updated and in control of your finances with Gateway Bank’s Mobile app. Manage accounts, view new promotions, transfer funds, make deposits, and more within the app. - Make mobile check deposits using your smartphone camera. - Review activity and balances in your accounts - Transfer money to your accounts - Learn more about other products and services Deposit Products Offered by GATEWAY BANK, F.S.B., MEMBER FDIC.

About

Points Vault

Features
Read full description

Know which credit card to use for every purchase — and what your points and miles can actually book. Points Vault keeps your cards, points and airline miles in one place. Tap the cards you have and it shows the best card for groceries, dining, gas and travel, every airline and hotel your points can reach, and how many points a flight costs. No account needed — sign in only if you want your data on more than one device. THE BEST CARD FOR EVERY PURCHASE Answer a few questions about how you spend, and the Optimizer recommends the best one, two or three cards within your annual-fee budget — cash back or travel rewards, your choice. SEE WHAT YOUR POINTS CAN BOOK Pick a route and a cabin. Points Vault compares published award charts from 12 airline programs and shows which of your points to transfer, and how many. NEVER MISS A TRANSFER BONUS Limited-time bonuses from Chase, Amex, Capital One, Citi, Bilt and Rove appear automatically, with their end dates, and are counted in your award search results. KNOW BEFORE YOUR MILES EXPIRE Enter your balances and the expiry tracker shows which miles expire first, and when. WALLET Every card, points currency and loyalty program in one place, with transfer ratios shown the same easy way (for example 1,000 → 750). TIPS Short, practical guides on getting more from your points, updated regularly. INCLUDED - 45 credit cards from Chase, Amex, Capital One, Citi, Wells Fargo, US Bank, Bank of America and Barclays - 47 airline, hotel and rail programs, including Amtrak Guest Rewards - Earning platforms: Bilt Rewards, Rove Miles and Rakuten - Statement import and spending budgets, processed on your iPhone - Card offers, transfer partners and bonuses refresh automatically — no app update needed - Optional sign-in with Apple or email to keep your data on more than one device Award prices come from each airline's published charts. A chart shows what a seat costs, not whether one is available — always check with the airline before transferring points, because transfers can't be reversed.

Screenshots

Gateway Mobile App4 screens
Points Vault4 screens

Verdict

The call

The clearest difference is ads: Points Vault at none against Gateway Mobile App's shown. Points Vault also leads on update cadence (every 3 weeks vs every 4 months). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

Gateway Mobile App ships an update every 4 months, Points Vault every 3 weeks. Both last shipped on October 24, 2026.

Scorecard2 real differences · 7 level
Gateway Mobile App versus Points Vault: the parameters behind the verdict, then further details
ParameterGateway Mobile AppPoints Vault
PriceFreeFree
Rating4.8 (27 ratings) — better—
Number of ratings27 — better—
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size45 MB5 MB
Age rating4+4+
DeveloperGateway Bank FSBIOAN MIHAI COSMA

In-app purchases

None

Gateway Mobile App

No in-app purchases

None

Points Vault

No in-app purchases

Questions

Is Gateway Mobile App free?
Gateway Mobile App is free to download, with no in-app purchases.
Is Points Vault free?
Points Vault is free to download, with no in-app purchases.
Do Gateway Mobile App or Points Vault have ads?
Gateway Mobile App shows ads; Points Vault does not.
Which is updated more often, Gateway Mobile App or Points Vault?
Gateway Mobile App ships an update every 4 months, and Points Vault every 3 weeks. Most recently, Gateway Mobile App was updated on October 24, 2026 and Points Vault on October 24, 2026.

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