Comparison

Credence vs COA Teams

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

Head to head
About

Credence

Access your health plan details, claims, and benefits on the go. Easily view your member ID card, track spending, and find in-network providers. Securely communicate with customer service for a streamlined experience.

Highlights
  • Log in with Touch/Face ID
  • Check claims and benefits
  • View member ID card
  • Track deductible and out-of-pocket spend
  • Find in-network providers
  • Secure customer service communication
Features
Read full description

The Credence mobile app is now available for your iPhone intended for use by all Credence Blue Cross and Blue Shield members. Save time, and get your plan details on the go. Features for members: • Log in easily with Touch/Face ID options • Check your claims and benefits • View or email your member ID card • Track your deductible and out-of-pocket spend • Find an in-network provider with the Find Care tool • Communicate securely with Customer Service Use your Credence username and password to access your online account from the app. You can also set up Touch or Face ID for quicker access. *There is no charge from Credence Blue Cross and Blue Shield to download the Credence mobile app, but rates from your wireless provider may apply. This Information is for educational purposes only and is not a substitute for personal care from a licensed physician. Please consult your physician for diagnosis and treatment options.

About

COA Teams

This app transforms daily discipline into a collaborative effort, making consistency visible and rewarding. It helps individuals and teams master essential habits, track progress, and stay motivated through gamified achievements and built-in communication tools.

Highlights
  • Team-based habit tracking
  • Daily essential habit dashboard
  • Weekly mindset program
  • Progress reporting
  • One-tap logging
  • Gamified achievements (badges, streaks)
  • Smart reminders
  • Built-in team messaging
Features
Read full description

COA turns daily discipline into a team sport. Master the essentials that matter most — and do it alongside the people who keep you accountable. Whether you're leading a team or chasing your own goals, COA makes consistency simple, visible, and rewarding. WIN TOGETHER Build a team, invite members, and keep everyone moving in the same direction. See who's on track at a glance and celebrate the wins together. MASTER YOUR DAILY ESSENTIALS A focused dashboard puts your core habits front and center. No clutter, no noise — just what you need to show up every day. BUILD YOUR MINDSET A weekly program with a core teaching, keys, an action checklist, a private reflection and a quote of the week. SEE YOUR WHOLE WEEK Weekly reports give you the big picture. Spot patterns, track momentum, and know exactly where you stand. LOG IT IN ONE TAP Fast, frictionless logging means you'll actually keep up with it. Tap, done, move on. EARN EVERY WIN Badges and streaks turn progress into motivation. Stay consistent and watch your achievements stack up. STAY ON TRACK Smart reminders keep your essentials front of mind so nothing slips. RALLY YOUR TEAM Built-in messaging keeps your group connected, encouraged, and accountable. Everything you need to stay accountable — for yourself and your team — in one place. Download COA and start winning together today. SUBSCRIPTION REQUIRED COA requires a paid subscription. Choose the Basic or Teams plan, billed monthly or annually, and buy it in the app. New subscribers get the first month free. Creating and leading a team requires the Teams plan. Payment is charged to your Apple Account when you confirm the purchase. Your subscription renews automatically unless you cancel at least 24 hours before the current period ends. You can manage or cancel it anytime in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Credence4 screens
COA Teams4 screens

Verdict

The call

The clearest difference is review sentiment: COA Teams at 100% against Credence's 10%. COA Teams also leads on rating (4.8 vs 3.9) and update cadence (fortnightly vs every 2 months). Credence's advantage is in-app purchases (none vs 4) and ratings volume (508 vs 6). On price, ads 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. COA Teams sells 4 in-app purchases, starting at $7.49 per month. Credence asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

COA Teams holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: Credence has 508 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 10% of Credence's written reviews are positive against 100% of COA Teams's.

UpkeepUpdate frequency

Credence ships an update every 2 months, COA Teams fortnightly. The most recent releases landed on October 18, 2026 and October 21, 2026 respectively.

Scorecard7 real differences · 3 level
Credence versus COA Teams: the parameters behind the verdict, then further details
ParameterCredenceCOA Teams
PriceFreeFree
Rating3.9 (508 ratings)4.8 (6 ratings) — better
Positive reviews9.7% of reviews100.0% of reviews — better
Number of ratings508 — better6
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterSubscription
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.4
Further details — not scored
Size29 MB46 MB
Age rating12+4+
DeveloperUTIC Insurance CompanyJEFFREY WERNER

Customer experience

Credence

All ratings508 ratings
Positive71.7%
Neutral2.4%
Negative26.0%
Written reviews31 reviews
Positive9.7%
Neutral6.5%
Negative83.9%

COA Teams

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Credence

Reported bugs

13 issues
  • App will not let me view network
  • App never works for looking up doctors
  • Unable to see claims submitted over a month ago
  • ID verification via text/email does not work
  • App freezes and does not load properly
Show 8 more
  • App stays on loading screen and never loads
  • App perpetually hangs on loading screen after login
  • Login credentials result in an indefinite loading screen
  • App gets stuck on the load screen
  • Dual factor authentication screen does not work
  • Find care and claims sections show a buffering circle indefinitely
  • App times out
  • Benefits shut off unexpectedly

Requested features

8 requests
  • Invest in human-centered design for better UX
  • Improve ID verification process (text/email)
  • Allow adding ID card to Apple Wallet
  • Provide clear information on what is paid and owed
  • Display deductible and OOP status
Show 3 more
  • Enable viewing of pharmacy claims
  • Include dependent suffixes in the app
  • Ensure benefits are active when they should be

COA Teams

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Credence

No in-app purchases

4 purchases

COA Teams

Subscriptions4
  • COA Basic (Monthly)1 Month trial$7.491 Month
  • COA Teams (Monthly)1 Month trial$14.991 Month
  • COA Basic (Annual)1 Month trial$79.991 Year
Show 1 more
  • COA Teams (Annual)1 Month trial$162.991 Year

Questions

Is Credence free?
Credence is free to download, with no in-app purchases.
Is COA Teams free?
COA Teams is free to download, with in-app purchases available.
Which has better reviews, Credence or COA Teams?
COA Teams is rated higher. Credence averages 3.9 out of 5 from 508 ratings, while COA Teams averages 4.8 from 6 ratings.
Do Credence or COA Teams have ads?
Neither Credence nor COA Teams shows ads.
Which is updated more often, Credence or COA Teams?
Credence ships an update every 2 months, and COA Teams fortnightly. Most recently, Credence was updated on October 18, 2026 and COA Teams on October 21, 2026.

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