# Cardless vs Spendwisee

Cardless and Spendwisee both sit at 4.9 stars, but that hides the real split: 100% of Spendwisee's written reviews are positive against 61% of Cardless's. Cardless's advantage is monetization model (free vs freemium) and ratings volume (9.3K vs 1). 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 5.0 for Spendwisee. That said, the two scores are not equally well evidenced: Cardless has 9.3K ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 61% of Cardless's written reviews are positive against 100% of Spendwisee's.

## The numbers

| Metric | Cardless | Spendwisee |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (9.3K ratings)](https://appshunter.io/ios/app/cardless/id1532270655/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/spendwisee/id6779020705/reviews)** |
| Number of ratings | **9.3K** | 1 |
| Positive reviews | 61.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | — |
| Monetization | **Free** | Freemium |
| Size | 54 MB | 52 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cardless, Inc.](https://appshunter.io/developer/1532270657) | [Venkata Srinivas Kshatri](https://appshunter.io/developer/6779020707) |

## 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


### Spendwisee

[App page](https://appshunter.io/ios/app/spendwisee/id6779020705)

Effortlessly manage your finances with smart expense tracking, personalized budgeting, and AI-driven financial guidance. Monitor investments and gain insights into your spending habits to grow your wealth.

**Highlights:** Automatic expense categorization, Monthly budgeting and savings goals, Investment tracking (stocks, mutual funds), AI-powered financial assistant, Multi-currency support, PDF export for reports

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

**In-app purchases:** none


## Frequently asked questions

### Is Cardless free?

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

### Is Spendwisee free?

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

### Which has better reviews, Cardless or Spendwisee?

Spendwisee is rated higher. Cardless averages 4.9 out of 5 from 9.3K ratings, while Spendwisee averages 5.0 from 1 ratings.

### Do Cardless or Spendwisee have ads?

Neither Cardless nor Spendwisee shows ads.

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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.*