Comparison

PinPoint Rewards vs Centris Mobile Banking

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

Head to head
About

PinPoint Rewards

This program offers members discounts and rewards at various merchants using a single card. It provides a simple way to earn points on purchases, with opportunities for bonus points and instant discounts. Members also receive exclusive welcome offers and special rewards for birthdays and anniversaries.

Highlights
  • Earn points on purchases
  • Double and triple point opportunities
  • Welcome rewards upon enrollment
  • Instant merchant discounts
  • Birthday and anniversary rewards
  • Online account access
  • Email notifications for offers
Features
Read full description

PinPoint is a groundbreaking savings and rewards program, offering members discounts and rewards at a wide variety of merchants through the use of a single card - the PinPoint Card. PinPoint is unequalled in the simplicity of its use, and in the variety of the rewards it offers: - Unlike expensive membership cards, which only work in specific industries and expire every year, PinPoint is absolutely free, has no time limit and works in many different industries. - Unlike bulky coupon books, which are only good for one visit per store, the PinPoint Card is easy to use and rewards you as many times as you shop at participating merchants. - Unlike programs that require you to spend large amounts of money before you can claim any rewards, PinPoint reward points add up fast. - Rather than make you pay to join, PinPoint has something special for you when you join - an exclusive offering of members-only benefits and offers including coupons from every participating merchant, just for enrolling. PinPoint Features · Earn Points - Earn 1 point for every dollar spent at participating locations, which will earn you valuable Payback Rewards. · Double & Triple Points - Some merchants let you earn their rewards faster during certain times and days of the week. · Welcome Rewards - Receive a valuable coupon from every participating merchant just for enrolling. · Instant Rewards - Some merchants offer a discount on each visit with no coupon or award required. · Birthday & Anniversary Rewards - Enjoy special rewards, which you can redeem during your birthday or anniversary month. · Gift Card Points - Earn points when you purchase gift cards. · Online Access - 24-hour access to your account settings, point balances and reward standings. · Email Notifications - We will e-mail you information about special offers when new merchants join the PinPoint network.

About

Centris Mobile Banking

Manage your credit union accounts conveniently and securely from your smartphone. Monitor balances, view activity, pay bills, deposit checks, and transfer funds anytime, anywhere. Offers tools for financial management and locating branches or ATMs.

Highlights
  • Account monitoring
  • Bill pay
  • Mobile check deposit
  • Fund transfers
  • ATM/branch locator
  • Personal financial management tools
Features
Read full description

Centris Mobile App available to all credit union members. Monitor your accounts from wherever you like and make transactions whenever you need. Now giving you even more control over your finances in a safe, convenient and fast way. Convenient • Easily access your account with Touch ID • Access and monitor your accounts 24/7 • View balances and account activity anytime • Personal Financial Management (PFM) tools • Locate ATMs and Centris branches • Change your contact information Bill Pay • Pay your bills from anywhere safely and securely • Set up automatic payments • Reference payment history • Guarantee payment dates Deposits • Deposit checks with your smartphone camera via mobile deposit Transfer Funds • Transfer funds between Centris accounts or other bank accounts • Next-day service or three-day service is available -Only certain devices are eligible for enrollment in Touch ID -Centris Mobile Banking is free, but message and data rates may apply. Such charges include those from your communications service provider.

Screenshots

PinPoint Rewards4 screens
Centris Mobile Banking4 screens

Verdict

The call

The clearest difference is review sentiment: Centris Mobile Banking at 86% against PinPoint Rewards's 40%. Centris Mobile Banking also leads on rating (4.6 vs 3.4) and ratings volume (3K vs 40). PinPoint Rewards's advantage is iOS requirement (6.0 vs 16.0). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Centris Mobile Banking holds the better App Store score, 4.6 against 3.4. That said, the two scores are not equally well evidenced: Centris Mobile Banking has 3K ratings behind it against 40, so its average is the more settled of the two. Written reviews point the same way: 40% of PinPoint Rewards's written reviews are positive against 86% of Centris Mobile Banking's.

UpkeepUpdate frequency

PinPoint Rewards ships an update every 2 months, Centris Mobile Banking every 3 months. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

Scorecard4 real differences · 6 level
PinPoint Rewards versus Centris Mobile Banking: the parameters behind the verdict, then further details
ParameterPinPoint RewardsCentris Mobile Banking
PriceFreeFree
Rating3.4 (40 ratings)4.6 (3K ratings) — better
Positive reviews39.6% of reviews86.1% of reviews — better
Number of ratings403K — better
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, Apple Watch
Requires iOS6.0 — better16.0
Further details — not scored
Size23 MB57 MB
Age rating4+12+
DeveloperPinPointCentris Federal Credit Union

Customer experience

PinPoint Rewards

All ratings40 ratings
Positive47.5%
Neutral22.5%
Negative30.0%
Written reviews48 reviews
Positive39.6%
Neutral27.1%
Negative33.3%

Centris Mobile Banking

All ratings2,783 ratings
Positive91.6%
Neutral2.6%
Negative5.8%
Written reviews382 reviews
Positive86.1%
Neutral4.5%
Negative9.4%

User reviews

PinPoint Rewards

From 40 App Store ratings

What we love

  • 💡 Great idea/concept
  • 💰 Saves money/great deals
  • 🌟 Supports local businesses
  • 💯 Free to join
  • 🚀 Easy to use (for some)

Room to improve

  • 🐛 App frequently not working/loading
  • 🐛 App freezes/crashes
  • 🐛 Login/account creation issues
  • ⏳ Long wait for account activation
  • 📱 Outdated/clunky interface

Centris Mobile Banking

From 3K App Store ratings

What we love

  • 🚀 Easy to use
  • 🔒 Secure
  • 👍 Convenient
  • 👍 Great customer service
  • 🚀 Smooth performance

Room to improve

  • 🐛 Occasional crashes or glitches
  • 🐛 Balances not always accurate
  • 🐛 Difficulty accessing credit card information

Bugs and requests

PinPoint Rewards

Reported bugs

18 issues
  • App not working/spinning wheel
  • App won't load
  • App freezes up
  • Can't access rewards/search
  • Scrolling position not maintained
Show 13 more
  • Back button disappears or doesn't work
  • Force close required
  • Can't create an account/error messages
  • Won't let you log in
  • Entire UPC code not showing
  • App doesn't stay logged in
  • Can't log in after update
  • Takes 2 days to be able to use app
  • Won't let you search for places by current location
  • Can't enter zip code
  • App icon and in-app categories are blurry
  • Screen rotates to landscape and gets stuck
  • Swiping right to return causes white screen

Requested features

17 requests
  • Add to Apple Wallet
  • Full screen support for iPhone X/newer
  • Allow saving/favoriting offers
  • Allow deleting irrelevant offers
  • Add more merchants
Show 12 more
  • Address availability improvement
  • Geofencing for nearby merchants
  • Customizable reminders/notifications
  • Surface promotions in a dedicated section
  • Improve interaction between merchants and rewards
  • Favorite a merchant
  • Add customizable reminders/notifications
  • Surface double/triple rewards promotions
  • Fit and finish fixes (logos, scrolling position)
  • Tap to stop scrolling instead of activating item
  • Remove expired rewards from page
  • Passbook integration for iPhone

Centris Mobile Banking

Reported bugs

3 issues
  • Login issues after app updates
  • Accounts disappearing from view after updates
  • Slow to load or unresponsive at times

Requested features

5 requests
  • Ability to remotely deposit money orders
  • Easier way to edit recurring bill payments
  • More detailed transaction descriptions
  • Option to turn debit card on/off in app
  • Virtual card issuance feature

In-app purchases

None

PinPoint Rewards

No in-app purchases

None

Centris Mobile Banking

No in-app purchases

Questions

Is PinPoint Rewards free?
PinPoint Rewards is free to download, with no in-app purchases.
Is Centris Mobile Banking free?
Centris Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, PinPoint Rewards or Centris Mobile Banking?
Centris Mobile Banking is rated higher. PinPoint Rewards averages 3.4 out of 5 from 40 ratings, while Centris Mobile Banking averages 4.6 from 3K ratings.
Do PinPoint Rewards or Centris Mobile Banking have ads?
Neither PinPoint Rewards nor Centris Mobile Banking shows ads.
Which is updated more often, PinPoint Rewards or Centris Mobile Banking?
PinPoint Rewards ships an update every 2 months, and Centris Mobile Banking every 3 months. Most recently, PinPoint Rewards was updated on October 24, 2026 and Centris Mobile Banking on October 26, 2026.

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