# Universal Rewards Visa vs Dibs

The clearest difference is in-app purchases: Universal Rewards Visa at none against Dibs's 3. Universal Rewards Visa also leads on ratings volume (2.7K vs 6). Dibs's advantage is review sentiment (100% vs 75%) and update cadence (fortnightly vs every 2 months). On price, rating, ads and device support there is nothing between them.

Both are free to download. Dibs sells 3 one-off in-app purchases. Universal Rewards Visa asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Universal Rewards Visa against 5.0 for Dibs. That said, the two scores are not equally well evidenced: Universal Rewards Visa has 2.7K ratings behind it against 6, so its average is the more settled of the two. Written reviews are what separate them: 75% of Universal Rewards Visa's written reviews are positive against 100% of Dibs's.

Universal Rewards Visa ships an update every 2 months, Dibs fortnightly. The most recent releases landed on October 27, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Universal Rewards Visa | Dibs |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (2.7K ratings)](https://appshunter.io/ios/app/universal-rewards-visa/id6471141803/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/dibs-split-the-bill/id6785724705/reviews)** |
| Number of ratings | **2.7K** | 6 |
| Positive reviews | 75.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 49 MB | 2 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [First Bankcard](https://appshunter.io/developer/631020362) | [CHICO RAMOS MALTO](https://appshunter.io/developer/6785724707) |

## What reviewers say

### Universal Rewards Visa

[App page](https://appshunter.io/ios/app/universal-rewards-visa/id6471141803)

Easily manage your credit card account on the go. Check balances, view statements, and make payments securely. Receive email alerts for important account updates. This free app offers a simple and secure way to handle your finances.

**Highlights:** Check account balance, View statements and transaction history, Pay credit card bill, Set up email alerts, Secure account access

**Features:** Apple Wallet

**In-app purchases:** none


### Dibs

[App page](https://appshunter.io/ios/app/dibs-split-the-bill/id6785724705)

Effortlessly divide restaurant bills by item, ensuring fair splits for everyone. Simply photograph your receipt, tag who ate what, and let the app calculate individual totals, including proportional tax and tip. Settle up easily through Venmo or a simple message.

**Highlights:** On-device receipt scanning, Manual item entry and correction, Assign items to diners, Proportional tax and tip calculation, Venmo payment integration, Local split history

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small Tip | $0.99 | one-time |
| Medium Tip | $2.99 | one-time |
| Large Tip | $4.99 | one-time |


## Frequently asked questions

### Is Universal Rewards Visa free?

Universal Rewards Visa is free to download, with no in-app purchases.

### Is Dibs free?

Dibs is free to download, with in-app purchases available.

### Which has better reviews, Universal Rewards Visa or Dibs?

Dibs is rated higher. Universal Rewards Visa averages 4.9 out of 5 from 2.7K ratings, while Dibs averages 5.0 from 6 ratings.

### Do Universal Rewards Visa or Dibs have ads?

Neither Universal Rewards Visa nor Dibs shows ads.

### Which is updated more often, Universal Rewards Visa or Dibs?

Universal Rewards Visa ships an update every 2 months, and Dibs fortnightly. Most recently, Universal Rewards Visa was updated on October 27, 2026 and Dibs on October 23, 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.*