PinPoint Rewards vs Centris Mobile Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Account monitoring
- Bill pay
- Mobile check deposit
- Fund transfers
- ATM/branch locator
- Personal financial management tools
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | PinPoint Rewards | Centris Mobile Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (40 ratings) | 4.6 (3K ratings) — better |
| Positive reviews | 39.6% of reviews | 86.1% of reviews — better |
| Number of ratings | 40 | 3K — better |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 6.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 23 MB | 57 MB |
| Age rating | 4+ | 12+ |
| Developer | PinPoint | Centris Federal Credit Union |
Customer experience
PinPoint Rewards
Centris Mobile Banking
User reviews
PinPoint Rewards
From 40 App Store ratingsWhat 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 ratingsWhat 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 moreShow fewer
- 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 moreShow fewer
- 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
PinPoint Rewards
No in-app purchases
Centris Mobile Banking
No in-app purchases
Questions
Is PinPoint Rewards free?
Is Centris Mobile Banking free?
Which has better reviews, PinPoint Rewards or Centris Mobile Banking?
Do PinPoint Rewards or Centris Mobile Banking have ads?
Which is updated more often, PinPoint Rewards or Centris Mobile Banking?
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