# IH Access vs MPCreditCard

The clearest difference is rating: MPCreditCard at 5.0 against IH Access's 1.0. On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

MPCreditCard holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

IH Access ships an update every 3 months, MPCreditCard every 4 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | IH Access | MPCreditCard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/ih-access/id6448763644/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/mpcreditcard/id6455141356/reviews)** |
| Number of ratings | 1 | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 4 months |
| Monetization | Free | Free |
| Size | 37 MB | 39 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [International Harvester Employee Credit Union Inc](https://appshunter.io/developer/1157696227) | [Members Plus](https://appshunter.io/developer/1071897344) |

## What reviewers say

### IH Access

[App page](https://appshunter.io/ios/app/ih-access/id6448763644)

Manage and protect your credit and debit cards from your mobile device. Securely lock/unlock cards, set custom alerts and restrictions, make payments, and monitor transactions. Easily enroll cards and access your accounts with biometric authentication.

**Highlights:** Lock and unlock cards, Set alerts and restrictions, Make credit card payments, View account details, Monitor transactions, Raise transaction disputes, Set travel notifications

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### MPCreditCard

[App page](https://appshunter.io/ios/app/mpcreditcard/id6455141356)

Manage your credit card account on the go. Instantly lock or unlock your card, set spending alerts, make payments, and track transactions. View account details and rewards, and even set travel notifications for a seamless experience.

**Highlights:** Lock and unlock credit card, Set transaction alerts and controls, Make credit card payments, View account details and transactions, Set travel notifications, View rewards, Raise transaction disputes

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IH Access free?

IH Access is free to download, with no in-app purchases.

### Is MPCreditCard free?

MPCreditCard is free to download, with no in-app purchases.

### Which has better reviews, IH Access or MPCreditCard?

MPCreditCard is rated higher. IH Access averages 1.0 out of 5 from 1 ratings, while MPCreditCard averages 5.0 from 1 ratings.

### Do IH Access or MPCreditCard have ads?

Neither IH Access nor MPCreditCard shows ads.

### Which is updated more often, IH Access or MPCreditCard?

IH Access ships an update every 3 months, and MPCreditCard every 4 months. Most recently, IH Access was updated on November 3, 2026 and MPCreditCard on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*