# HelloBasis vs toWealth Credit Card

The clearest difference is review sentiment: HelloBasis at 100% against toWealth Credit Card's 0%. HelloBasis also leads on rating (5.0 vs 1.6). toWealth Credit Card's advantage is update cadence (fortnightly vs every 2 months) and ratings volume (8 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

HelloBasis holds the better App Store score, 5.0 against 1.6. Both are backed by a comparable volume of ratings — 2 and 8 respectively. Written reviews point the same way: 100% of HelloBasis's written reviews are positive against 0% of toWealth Credit Card's.

HelloBasis ships an update every 2 months, toWealth Credit Card fortnightly. The most recent releases landed on October 6, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | HelloBasis | toWealth Credit Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/hellobasis/id1579119435/reviews)** | [1.6 (8 ratings)](https://appshunter.io/ios/app/towealth-credit-card/id6553977699/reviews) |
| Number of ratings | 2 | **8** |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 62 MB | 62 MB |
| Requires iOS | **14.4** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [AIUTO, LLC](https://appshunter.io/developer/1579119437) | [THRIVOS INC](https://appshunter.io/developer/1480603028) |

## What reviewers say

### HelloBasis

[App page](https://appshunter.io/ios/app/hellobasis/id1579119435)

This app provides quick financing for unexpected expenses by creating virtual cards. It requires a U.S. bank account and offers flexible repayment terms, with no interest charged at partner providers.

**Highlights:** Virtual card creation, Instant payment for bills, No credit check required, Flexible repayment plans, No interest at partner providers, Connect U.S. bank account

**Features:** macOS Compatibility

**In-app purchases:** none


### toWealth Credit Card

[App page](https://appshunter.io/ios/app/towealth-credit-card/id6553977699)

Apply for a credit card and get instant cash advances directly to your bank account. Build credit and savings with on-time payments, and earn cash back on eligible purchases. Offers a high-yield savings account linked to your card.

**Highlights:** 100% in-app application, Instant cash advance, High-yield savings account, 1% cash back on eligible purchases, Credit limit growth, 24/7 mobile access

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

**In-app purchases:** none


## Frequently asked questions

### Is HelloBasis free?

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

### Is toWealth Credit Card free?

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

### Which has better reviews, HelloBasis or toWealth Credit Card?

HelloBasis is rated higher. HelloBasis averages 5.0 out of 5 from 2 ratings, while toWealth Credit Card averages 1.6 from 8 ratings.

### Do HelloBasis or toWealth Credit Card have ads?

Neither HelloBasis nor toWealth Credit Card shows ads.

### Which is updated more often, HelloBasis or toWealth Credit Card?

HelloBasis ships an update every 2 months, and toWealth Credit Card fortnightly. Most recently, HelloBasis was updated on October 6, 2026 and toWealth Credit Card on October 4, 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.*