Comparison

OTR Clutch vs AIC

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

Head to head
About

OTR Clutch

This app offers an online banking solution tailored for trucking companies, providing unlimited cash back on debit purchases and helping to build business credit for financing options. It's a secure, FDIC-insured platform with no hidden fees or minimums.

Highlights
  • Unlimited cash back on debit purchases
  • Build business credit
  • Access to financing options
  • FDIC-insured banking
  • No fees, minimums, or credit checks
  • Integrates with OTR Solutions services
Features
Read full description

Shift your business into high gear with OTR Clutch, the first online banking solution designed specifically for trucking companies. Earn unlimited cash back on debit purchases including recurring insurance and finance payments, and build business credit to gain access to credit and financing options. Backed by the Most Trusted Name in Transportation OTR Clutch is the newest innovation from OTR Solutions expanding their reputation as a trusted and reliable factoring provider into the banking world. In partnership with FDIC insured Thread Bank, OTR Clutch delivers unparalleled security and peace of mind where you need it most. Earn on Every Card Swipe on Debit Purchases Earn cash back on your everyday purchases and your high dollar expenses like insurance, equipment financing, and more. No Fees, No Minimums, No Credit Checks Open an account and start spending for free. There are no monthly balance minimums, usage requirements, or fees. Keep Your Current Account Open an OTR Clutch account and use it the way you want to, no need to close out your other accounts. But, we don’t think it will be long until you make OTR Clutch your preferred banking option. Access OTR Solutions' Suite of Services Need a factoring company? How about the best fuel discounts in the industry? With OTR Solutions factoring, OTR Fuel Card, and their vast network of insurance, load board, and compliance partners you won’t have to go far for more deals, savings, and resources.

About

AIC

Manage your auto insurance policy with ease. Securely pay bills, access ID cards and policy details, view billing history, and connect with your agent.

Highlights
  • Pay bills securely
  • Store ID cards for offline access
  • View policy details
  • Access billing history
  • See upcoming bills
  • Contact your agent
Features
Read full description

AIC Mobile provides user friendly navigation of your auto insurance policy! Securely access key information and take care of business such as: • Pay your bill from anywhere • Store a copy of your ID Cards for offline access • View ID cards and policy details • View your billing history • See upcoming bills • Get in touch with your agent

Screenshots

OTR Clutch4 screens
AIC4 screens

Verdict

The call

The clearest difference is rating: OTR Clutch at 4.8 against AIC's 4.1. OTR Clutch also leads on ratings volume (194 vs 16). On price, review sentiment, update cadence and ads 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

OTR Clutch holds the better App Store score, 4.8 against 4.1. That said, the two scores are not equally well evidenced: OTR Clutch has 194 ratings behind it against 16, so its average is the more settled of the two. Written reviews split almost evenly too, at 20% and 20% positive.

UpkeepUpdate frequency

OTR Clutch ships an update every 5 weeks, AIC every 2 months. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
OTR Clutch versus AIC: the parameters behind the verdict, then further details
ParameterOTR ClutchAIC
PriceFreeFree
Rating4.8 (194 ratings) — better4.1 (16 ratings)
Positive reviews20.0% of reviews20.0% of reviews
Number of ratings194 — better16
Update frequencyEvery 5 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size111 MB78 MB
Age rating4+4+
DeveloperOTR Capital LLCAgency Holding Company of Maryland, Inc

Customer experience

OTR Clutch

All ratings194 ratings
Positive94.3%
Neutral3.1%
Negative2.6%
Written reviews10 reviews
Positive20.0%
Neutral40.0%
Negative40.0%

AIC

All ratings8 ratings
Positive37.5%
Neutral12.5%
Negative50.0%
Written reviews5 reviews
Positive20.0%
Neutral0.0%
Negative80.0%

In-app purchases

None

OTR Clutch

No in-app purchases

None

AIC

No in-app purchases

Questions

Is OTR Clutch free?
OTR Clutch is free to download, with no in-app purchases.
Is AIC free?
AIC is free to download, with no in-app purchases.
Which has better reviews, OTR Clutch or AIC?
OTR Clutch is rated higher. OTR Clutch averages 4.8 out of 5 from 194 ratings, while AIC averages 4.1 from 16 ratings.
Do OTR Clutch or AIC have ads?
Neither OTR Clutch nor AIC shows ads.
Which is updated more often, OTR Clutch or AIC?
OTR Clutch ships an update every 5 weeks, and AIC every 2 months. Most recently, OTR Clutch was updated on October 24, 2026 and AIC on October 24, 2026.

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