# MCT CARDS vs SCFCU Card

The clearest difference is rating: SCFCU Card at 5.0 against MCT CARDS's 4.3. SCFCU Card also leads on update cadence (every 2 months vs every 5 months). MCT CARDS's advantage is ratings volume (8 vs 1). On price, review sentiment, 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.

SCFCU Card holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: MCT CARDS has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

MCT CARDS ships an update every 5 months, SCFCU Card every 2 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | MCT CARDS | SCFCU Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (8 ratings)](https://appshunter.io/ios/app/mct-cards/id1520455111/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/scfcu-card/id1662586052/reviews)** |
| Number of ratings | **8** | 1 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 40 MB | 38 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MCT Credit Union](https://appshunter.io/developer/785448393) | [SOUTHERN CHAUTAUQUA COUNTY FEDERAL CREDIT UNION](https://appshunter.io/developer/1157982744) |

## What reviewers say

### MCT CARDS

[App page](https://appshunter.io/ios/app/mct-cards/id1520455111)

Manage your credit cards conveniently on the go. View transactions, make payments, report lost cards, and set alerts for enhanced security and control.

**Highlights:** View transactions, Make payments, Report lost/stolen cards, Set alerts and controls, Set travel notifications, Secure multi-factor authentication

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

**In-app purchases:** none


### SCFCU Card

[App page](https://appshunter.io/ios/app/scfcu-card/id1662586052)

Manage your debit card with real-time controls. Instantly lock or unlock your card, view transactions, report it lost or stolen, and set custom alerts and spending controls. Travel notifications ensure seamless out-of-town purchases.

**Highlights:** Lock/unlock debit card, View transactions, Report lost/stolen card, Set transaction alerts, Set spending controls, Set travel notifications

**In-app purchases:** none


## Frequently asked questions

### Is MCT CARDS free?

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

### Is SCFCU Card free?

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

### Which has better reviews, MCT CARDS or SCFCU Card?

SCFCU Card is rated higher. MCT CARDS averages 4.3 out of 5 from 8 ratings, while SCFCU Card averages 5.0 from 1 ratings.

### Do MCT CARDS or SCFCU Card have ads?

Neither MCT CARDS nor SCFCU Card shows ads.

### Which is updated more often, MCT CARDS or SCFCU Card?

MCT CARDS ships an update every 5 months, and SCFCU Card every 2 months. Most recently, MCT CARDS was updated on November 3, 2026 and SCFCU Card 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.*