# Percapita vs CardWise

The clearest difference is update cadence: CardWise at every 9 days against Percapita's every 3 weeks. Percapita's advantage is device support (3 vs 1) and iOS requirement (15.6 vs 17.0). On price, 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.

Percapita ships an update every 3 weeks, CardWise every 9 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Percapita | CardWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (43 ratings)](https://appshunter.io/ios/app/percapita/id1617975560/reviews)** | — |
| Number of ratings | **43** | — |
| Positive reviews | 85.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 9 days** |
| Monetization | Free | — |
| Size | 138 MB | 3 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Percapita Group, Inc.](https://appshunter.io/developer/1606391644) | [Jui-Chi Liu](https://appshunter.io/developer/6776188446) |

## What reviewers say

### Percapita

[App page](https://appshunter.io/ios/app/percapita/id1617975560)

Manage your finances with an all-in-one app for spending, saving, budgeting, and building financial wellness. Enjoy features like early wage access, automatic savings, credit building through rent payments, and cash back rewards. Securely manage your money with FDIC insurance and robust data encryption.

**Highlights:** Smarter spending and saving tools, Automatic savings with Penny Jar, Build credit with rent payments, Earn cash back rewards, Early wage access, International money transfers, Needs-based and goal-based budgeting

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

**In-app purchases:** none


### CardWise

[App page](https://appshunter.io/ios/app/cardwise-rewards-maximizer/id6776198130)

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

**In-app purchases:** none


## Frequently asked questions

### Is Percapita free?

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

### Is CardWise free?

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

### Do Percapita or CardWise have ads?

Neither Percapita nor CardWise shows ads.

### Which is updated more often, Percapita or CardWise?

Percapita ships an update every 3 weeks, and CardWise every 9 days. Most recently, Percapita was updated on November 3, 2026 and CardWise on November 5, 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.*