# Cardless vs EXPND

The clearest difference is iOS requirement: EXPND at 13.0 against Cardless's 15.1. On price, update cadence, 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.

Cardless ships an update every 2 weeks, EXPND every 10 days. The most recent releases landed on November 10, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Cardless | EXPND |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (9.7K ratings)](https://appshunter.io/ios/app/cardless/id1532270655/reviews)** | — |
| Number of ratings | **9.7K** | — |
| Positive reviews | 60.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | Free | — |
| Size | 54 MB | 26 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cardless, Inc.](https://appshunter.io/developer/1532270657) | [Failas Basheer Keloth](https://appshunter.io/developer/6787378326) |

## What reviewers say

### Cardless

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

Access credit cards from popular brands on your phone. View balances, transactions, and rewards, with enhanced transparency and security features. Get 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


### EXPND

[App page](https://appshunter.io/ios/app/expnd-expense-tracker/id6787378324)

**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 EXPND free?

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

### Do Cardless or EXPND have ads?

Neither Cardless nor EXPND shows ads.

### Which is updated more often, Cardless or EXPND?

Cardless ships an update every 2 weeks, and EXPND every 10 days. Most recently, Cardless was updated on November 10, 2026 and EXPND on October 31, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*