# TCTFCU Cards vs Substitute Teacher Pay Tracker

The clearest difference is rating: Substitute Teacher Pay Tracker at 5.0 against TCTFCU Cards's 2.5. Substitute Teacher Pay Tracker also leads on update cadence (every 3 weeks vs every 10 months). TCTFCU Cards's advantage is in-app purchases (none vs 3) and iOS requirement (14.0 vs 17.0). On price, ratings volume, ads and device support there is nothing between them.

Both are free to download. Substitute Teacher Pay Tracker sells 3 in-app purchases, starting at $1.99 per month. TCTFCU Cards asks for nothing beyond the download.

Substitute Teacher Pay Tracker holds the better App Store score, 5.0 against 2.5. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

TCTFCU Cards ships an update every 10 months, Substitute Teacher Pay Tracker every 3 weeks. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | TCTFCU Cards | Substitute Teacher Pay Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (2 ratings)](https://appshunter.io/ios/app/tctfcu-cards/id6470534253/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/substitute-teacher-pay-tracker/id6793321603/reviews)** |
| Number of ratings | 2 | 2 |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 10 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 112 MB | 2 MB |
| Requires iOS | **14.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [TCT Federal Credit Union](https://appshunter.io/developer/1370477154) | [Neobile LLC](https://appshunter.io/developer/1080490647) |

## What reviewers say

### TCTFCU Cards

[App page](https://appshunter.io/ios/app/tctfcu-cards/id6470534253)

Manage your credit union payment cards with this app. Features include card registration, activation, deactivation, and adding to digital wallets. Set spending limits, transaction types, and receive usage alerts.

**Highlights:** Card registration and activation, Add card to digital wallets, Set card usage controls, Configure transaction alerts, View transaction history, Report lost or stolen cards, Review spending by merchant

**Features:** Apple Wallet

**In-app purchases:** none


### Substitute Teacher Pay Tracker

[App page](https://appshunter.io/ios/app/substitute-teacher-pay-tracker/id6793321603)

Track your substitute teaching pay, mileage, and notes for each school. See what you're owed, compare schools, and export your records for tax time. Designed for privacy with no ads or cloud storage.

**Highlights:** Track outstanding and received pay, Log mileage and parking expenses, Rate and compare schools, Export data to CSV, Set pay due date reminders, Add private classroom notes

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Annual | $6.99 | per year |
| Lifetime Pro | $9.99 | one-time |


## Frequently asked questions

### Is TCTFCU Cards free?

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

### Is Substitute Teacher Pay Tracker free?

Substitute Teacher Pay Tracker is free to download, with in-app purchases available.

### Which has better reviews, TCTFCU Cards or Substitute Teacher Pay Tracker?

Substitute Teacher Pay Tracker is rated higher. TCTFCU Cards averages 2.5 out of 5 from 2 ratings, while Substitute Teacher Pay Tracker averages 5.0 from 2 ratings.

### Do TCTFCU Cards or Substitute Teacher Pay Tracker have ads?

Neither TCTFCU Cards nor Substitute Teacher Pay Tracker shows ads.

### Which is updated more often, TCTFCU Cards or Substitute Teacher Pay Tracker?

TCTFCU Cards ships an update every 10 months, and Substitute Teacher Pay Tracker every 3 weeks. Most recently, TCTFCU Cards was updated on November 3, 2026 and Substitute Teacher Pay Tracker on October 31, 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.*