SCI Card Manager vs StateCS CardNav
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SCI Card Manager
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Protect your debit cards by sending transaction alerts and enabling you to define when, where and how your cards are used. Download to your smartphone, then set your preferences to monitor and manage your cards. Alerts Enable Safe, Secure Card Usage Real-time alerts for PIN and signature transactions keep you informed of your card usage to quickly detect unauthorized or fraudulent activity. Location-Based Controls and Alerts Restrict transactions to merchants near your location (using your phone’s GPS) or by region using city, state, country or zip code on an interactive map. Usage Controls and Alerts Set spending limits to decline transactions above your thresholds. Monitor activity by category such as gas stations and restaurants, and by type: in-store purchases, e-commerce transactions and ATM transactions.
StateCS CardNav
Take full control of your debit and credit card spending. Manage transaction types, locations, and merchant categories. Instantly turn cards on or off, set spending limits, and receive real-time alerts to prevent fraud.
- Set transaction type controls
- Define geographic usage rules
- Specify merchant category restrictions
- Instantly turn cards on/off
- Enable GPS location limits
- Set dollar transaction limits
- Receive real-time fraud alerts
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CardNav – Full control over your debit and credit card usage in a way you’ve never had before • Manage how, when and where your cards are used—on your own terms. CardNav enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used. • Turn any card on, or off—in seconds. It’s as simple as a toggle. Perfect for safety, security… and those scary moments when you’re not quite sure where your card might be. • Ensure you are the only person using your cards. GPS capabilities can either limit where your card is used—or assure it’s only able to be used when with you. • Turn your cards into active budget participants. Set dollar limits for transactions, and receive alerts when those limits are being reached. No more worrying about going over budget! • Stop fraudulent activity before it even happens with the alert feature of CardNav. Based on your preferences, CardNav can send you a real-time alert when your card is used outside of your chosen preferences, giving you the power to deny the transaction or turn your card off. Alert preferences can be set by: • Location – based on where the transaction occurs • Transaction type – based on type of transaction at point of sale • Merchant type – based on the type of merchant where the transaction occurred • Threshold – based on the threshold amount set by the user (i.e. – transactions over $500 receive an alert)
Screenshots
Verdict
The clearest difference is update cadence: StateCS CardNav at every 3 months against SCI Card Manager's every 6 months. On price, ads, in-app purchases and device support 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.
SCI Card Manager ships an update every 6 months, StateCS CardNav every 3 months. The most recent releases landed on October 12, 2026 and October 24, 2026 respectively.
| Parameter | SCI Card Manager | StateCS CardNav |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (3 ratings) — better |
| Number of ratings | — | 3 — better |
| Update frequency | Every 6 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 | 14.0 |
| Further details — not scored | ||
| Size | 95 MB | 82 MB |
| Age rating | 4+ | 4+ |
| Developer | SCI Federal Credit Union | State CS Employees Federal Credit Union |
In-app purchases
SCI Card Manager
No in-app purchases
StateCS CardNav
No in-app purchases
Questions
Is SCI Card Manager free?
Is StateCS CardNav free?
Do SCI Card Manager or StateCS CardNav have ads?
Which is updated more often, SCI Card Manager or StateCS CardNav?
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