# Cardless vs Universal Rewards Visa

Cardless and Universal Rewards Visa both sit at 4.9 stars, but that hides the real split: 75% of Universal Rewards Visa's written reviews are positive against 60% of Cardless's. Cardless's advantage is update cadence (every 3 weeks vs every 2 months) and ratings volume (9.5K vs 2.7K). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.9 for Cardless against 4.9 for Universal Rewards Visa. Both are backed by a comparable volume of ratings — 9.5K and 2.7K respectively. Written reviews are what separate them: 60% of Cardless's written reviews are positive against 75% of Universal Rewards Visa's.

Cardless ships an update every 3 weeks, Universal Rewards Visa every 2 months. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Cardless | Universal Rewards Visa |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (9.5K ratings)](https://appshunter.io/ios/app/cardless/id1532270655/reviews) | **[4.9 (2.7K ratings)](https://appshunter.io/ios/app/universal-rewards-visa/id6471141803/reviews)** |
| Number of ratings | **9.5K** | 2.7K |
| Positive reviews | 60.0% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 54 MB | 49 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Cardless, Inc.](https://appshunter.io/developer/1532270657) | [First Bankcard](https://appshunter.io/developer/631020362) |

## What reviewers say

### Cardless

[App page](https://appshunter.io/ios/app/cardless/id1532270655)

Access credit cards from popular brands directly on your phone. View balances, transactions, and rewards, and make payments with enhanced security and transparency. Receive real-time notifications for account activity.

**Highlights:** Mobile credit card access, View balance and transactions, Redeem rewards, Make payments, Biometric security, Transaction notifications

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

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to navigate
- 👍 Convenient and user-friendly
- 👍 Excellent customer service
- 👍 Secure payment method
- 👍 Smooth and intuitive UI

**What reviewers complain about**

- 🐛 Account freezing issues
- 🐛 Payment processing problems
- 🐛 Declined transactions
- 🔒 Security and privacy concerns with Plaid integration
- 🔒 Lack of direct bank account integration

**Reported bugs**

- Add to wallet feature not working
- Login issues with Face ID on newer devices

**Requested features**

- Connect with Qatar Airways loyalty program
- Improve rewards program and redemption options


### Universal Rewards Visa

[App page](https://appshunter.io/ios/app/universal-rewards-visa/id6471141803)

Easily manage your credit card account on the go. Check balances, view statements, and make payments securely. Receive email alerts for important account updates. This free app offers a simple and secure way to handle your finances.

**Highlights:** Check account balance, View statements and transaction history, Pay credit card bill, Set up email alerts, Secure account access

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Cardless free?

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

### Is Universal Rewards Visa free?

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

### Which has better reviews, Cardless or Universal Rewards Visa?

Universal Rewards Visa is rated higher. Cardless averages 4.9 out of 5 from 9.5K ratings, while Universal Rewards Visa averages 4.9 from 2.7K ratings.

### Do Cardless or Universal Rewards Visa have ads?

Neither Cardless nor Universal Rewards Visa shows ads.

### Which is updated more often, Cardless or Universal Rewards Visa?

Cardless ships an update every 3 weeks, and Universal Rewards Visa every 2 months. Most recently, Cardless was updated on October 26, 2026 and Universal Rewards Visa 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.*