Comparison

Cardu vs Themo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cardu

This app helps you manage loyalty and membership cards, providing details on benefits, locations, and program information. It allows you to store digital versions of your cards, coupons, and stamp cards for easy access. Stay updated with messages and notifications about your memberships.

Highlights
  • Digital loyalty and membership card storage
  • Benefit and offer details
  • Location-based benefit redemption
  • Coupon and stamp card management
  • Membership program information
  • Notifications for updates
Features
Read full description

Cardu is an app for loyalty and member cards. Cardu will tell you what the membership or loyalty program is all about: what the benefits are, where to get them and what’s included in the membership. Note: Cardu content is currently available only in Finland and nearby areas. WALLET — YOUR LOYALTY AND MEMBER CARDS Wallet includes all loyalty and member cards saved to Cardu. You can easily find your membership card in the Wallet when you need it. It’s also possible to store your coupons and stamp cards in the wallet—this way, you will find them easily when you need them. SERVICES — FROM WHERE CAN YOU GET BENEFITS? Services will show the places near you where you can utilize the benefits in Cardu. You can either get the benefits with your member card or with cards that you can start using yourself. MESSAGES — WHAT'S GOING ON? You may get messages related to the cards in your Wallet or their contents. You can check the latest updates from your messages. As you receive a message, you can also receive a notification on your screen. If you wish, you can prohibit notifications for each card from the card information. MEMBER CARDS The member cards in Cardu include information that should be available to the members easily and quickly. The member card may, for example, include instructions, news and information about events. Member cards are generally delivered through the membership register. If you already have the Cardu app and an account, you get the card directly to your Wallet. Otherwise, you will receive an SMS or an email with a link to the app store. After you install and start the Cardu app, you will see the member card delivered to you. It’s important that you save the card to your Wallet, so that you can find it easier later and enjoy the benefits. If you are bored of a plastic member card, why not suggest Cardu to your organization! LOYALTY CARDS You can start using the loyalty cards in Cardu yourself. Cards are offered by, for example, car repair shops, pharmacies, hairdressers, barbers, beauty salons, stores, gyms and different restaurants. Even municipalities and other public institutions are included. Benefits can include, for example, discounts, offers, coupons or stamp cards. By opening the card, you will see more specifically what benefits the card gives you. Cardu will also show you the places close-by where you can redeem the benefits. PLASTIC CARDS TO CARDU If your pocket or bag is full of plastic cards, you can make space by storing their information to the corresponding cards in Cardu.

About

Themo

Features
Read full description

Themo leverages extensive data analysis, incorporating thousands of data points, to determine the ideal timing for activating your heating system. It factors in real-time electricity spot prices, external weather conditions, your predetermined temperature preferences, and the unique consumption patterns of your home. With the Themo app, you have seamless control over setting and managing your heating schedules. Its intelligent control functionality is dedicated to conserving energy, benefitting both the environment and your finances. Please note: This app is exclusively compatible with Themo thermostats. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Cardu4 screens
Themo4 screens

Verdict

The call

The clearest difference is in-app purchases: Cardu at none against Themo's 2. Themo's advantage is ads (none vs shown) and update cadence (fortnightly vs every 2 months). On price, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Themo sells 2 in-app purchases, starting at $6.99 per month. Cardu asks for nothing beyond the download.

UpkeepUpdate frequency

Cardu ships an update every 2 months, Themo fortnightly. The most recent releases landed on September 28, 2026 and October 3, 2026 respectively.

Scorecard3 real differences · 7 level
Cardu versus Themo: the parameters behind the verdict, then further details
ParameterCarduThemo
PriceFreeFree
Rating4.3 (6 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 2 monthsFortnightly — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationAd-supported—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size16 MB54 MB
Age rating12+4+
DeveloperCardu Global OySmart Load Solutions OÜ

In-app purchases

None

Cardu

No in-app purchases

2 purchases

Themo

Subscriptions2
  • Premium Monthly Access$6.991 Month
  • Premium Annual Access$59.991 Year

Questions

Is Cardu free?
Cardu is free to download, with no in-app purchases.
Is Themo free?
Themo is free to download, with in-app purchases available.
Do Cardu or Themo have ads?
Cardu shows ads; Themo does not.
Which is updated more often, Cardu or Themo?
Cardu ships an update every 2 months, and Themo fortnightly. Most recently, Cardu was updated on September 28, 2026 and Themo on October 3, 2026.

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