# First Progress vs Kovo

The clearest difference is review sentiment: Kovo at 78% against First Progress's 6%. Kovo also leads on rating (4.9 vs 1.7) and ratings volume (13K vs 149). First Progress's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 16.4). On price, ads, in-app purchases and device support there is nothing between them.

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

Kovo holds the better App Store score, 4.9 against 1.7. That said, the two scores are not equally well evidenced: Kovo has 13K ratings behind it against 149, so its average is the more settled of the two. Written reviews point the same way: 6% of First Progress's written reviews are positive against 78% of Kovo's.

First Progress ships an update monthly, Kovo weekly. The most recent releases landed on October 25, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | First Progress | Kovo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.7 (149 ratings)](https://appshunter.io/ios/app/first-progress/id1589075027/reviews) | **[4.9 (13K ratings)](https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937/reviews)** |
| Number of ratings | 149 | **13K** |
| Positive reviews | 5.7% of reviews | **78.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#206** |
| Size | 226 MB | 35 MB |
| Requires iOS | **13.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Vervent, Inc](https://appshunter.io/developer/1574751568) | [Kovo](https://appshunter.io/developer/1738843618) |

## What reviewers say

### First Progress

[App page](https://appshunter.io/ios/app/first-progress/id1589075027)

Manage your credit card account securely and conveniently on the go. Make payments, view transaction history, monitor your credit limit, and redeem rewards. Access your account details anytime, anywhere.

**Highlights:** Manage account anytime, anywhere, Make secure payments, View transaction history, Monitor available credit limit, Redeem rewards

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 🚀 Fantastic
- 💡 No chip on card

**What reviewers complain about**

- 🐛 App crashes
- 🐛 App doesn't work
- 🐛 App payment not working
- 🐛 App unreliable
- 🐛 Difficult to make payments

**Reported bugs**

- App crashes when trying to log in
- App doesn't allow creating an account
- App doesn't work
- App freezes
- App forgets user credentials

**Requested features**

- Improve app functionality
- Implement auto-pay
- Provide better payment options


### Kovo

[App page](https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937)

**Currently charting:** #206 Top Free · Finance (US App Store)

Build your credit history with a simple, user-friendly platform. This app offers a credit builder program with no credit checks or fees, reporting to all four major bureaus. You can also track your FICO score, earn cash rewards, and access credit protection services.

**Highlights:** Credit builder program, No credit check or fees, Reports to all 4 bureaus, FICO score tracking, Cash rewards, Credit protection

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

**In-app purchases:** none

**What reviewers like**

- 💪 Effective credit building
- 🆙 Significant score improvements
- 💰 Affordable monthly cost
- 🙌 Great service and results

**What reviewers complain about**

- 🤔 Misleading contract terms
- 🔒 Difficulty closing accounts
- 🐛 Technical issues and bugs
- ❌ Negative credit impacts

**Reported bugs**

- App crashes and loading issues
- Inconsistent credit reporting

**Requested features**

- Faster score increases
- Revolving credit product
- Clearer contract transparency


## Frequently asked questions

### Is First Progress free?

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

### Is Kovo free?

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

### Which has better reviews, First Progress or Kovo?

Kovo is rated higher. First Progress averages 1.7 out of 5 from 149 ratings, while Kovo averages 4.9 from 13K ratings.

### Do First Progress or Kovo have ads?

Neither First Progress nor Kovo shows ads.

### Which is updated more often, First Progress or Kovo?

First Progress ships an update monthly, and Kovo weekly. Most recently, First Progress was updated on October 25, 2026 and Kovo on October 29, 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.*