PFH vs CreditRun
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
PFH
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PFH Card Mobile is a professional, secure and reliable credit card platform that allows you to enjoy the convenience and benefits of credit cards anytime, anywhere. Whether you want to apply for a credit card or manage your existing PFH credit cards, PFH Card Mobile can meet your needs. PFH Card Mobile App Features: - Apply for your desired credit cards, choose the benefits that suit you, and quickly complete the review and account creating process. - View detailed information about your credit card including available limit, spending history, bills, repayment records and more. You can check the status of your credit card anytime and anywhere conveniently. - Obtain the latest information on credit card privileges including rebates, offers and rewards to make you spending smarter. - Contact PFH Card Mobile customer service to resolve any issues or needs, and get professional and friendly assistance. PFH Card Mobile's customer service team is always ready to provide you with credit card related services, making it easier and more secure for you to use your credit card. Download PFH Card Mobile now! Subject to terms & conditions. For details please visit: https://pfhcard.com/ To borrow or not to borrow? Borrow only if you can repay!
CreditRun
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You're at checkout. Which card do you use? Chase gives you 12 credit-free days. Amex gives you 38. Your Citi card might give you 51. CreditRun lives in the 3 seconds before you swipe - the moment that decides whether your money works for you or for the bank. Not an expense tracker. Not a budgeting app. CreditRun answers one question, fast: which card in your wallet gives you the most Credit Free Days right now? WHAT ARE CREDIT FREE DAYS? Credit Free Days is how long your money stays in your account after the purchase, before the bill is due. The longer the runway, the longer your money keeps earning. Every card calculates this differently based on its statement cycle, and the answer changes every single day. CreditRun does the math live, ranks your wallet, and tells you which card to swipe before the checkout countdown runs out. WHAT IT DOES ⢠Add your cards in seconds. Issuer, last 4, credit limit, statement day, due day. That's it. ⢠Live ranking. Every card scored by Credit Free Days, recomputed the moment you open the app. ⢠One number per card. The one that matters today. ⢠Tap a card to see exactly when its bill is due and how much float you'd lose if you swiped the wrong one. ⢠Translate Credit Free Days into the cash value of that float, using a yield rate you set. ⢠Track transactions so utilization, runway, and outstanding update automatically. ⢠Insights that don't lie - months, quarters, all-time - to see how your wallet is actually performing. ⢠CSV export and import. Your data, your file, anywhere you want it. ⢠iCloud sync across iPhone, iPad, and Mac through your own Apple ID. DESIGNED TO BE FAST Open. Decide. Swipe. Close. Under 5 seconds. Dark by default, opinionated about the answer, built for the moment you're standing at the counter. PRIVACY, NO ASTERISKS CreditRun runs entirely on your device. No account, no signup, no analytics, no ad SDK. Your cards and transactions never touch our servers ā because we don't operate any. iCloud sync travels through your own iCloud, end-to-end encrypted by Apple. We don't sell your data. We can't - we never have it. CREDITRUN PRO A one-time, lifetime unlock. Pay once. Use it forever. No subscription, no expiry, no re-billing. ⢠Unlimited cards (free tier: 3) ⢠Full Insights - past months, quarters, all-time ⢠CSV export and import ⢠A small Founder tier for the first 50 supporters A 7-day free trial gives every new user the full Pro experience while you decide. WHO IT'S FOR You have more than two credit cards. You know each one bills on a different cycle. You've always suspected the card you swipe by reflex isn't the best one - and you're right. Works with any card from any bank, in any country. Built solo. Reach out on X at @CreditRun.
Screenshots
Verdict
The clearest difference is in-app purchases: PFH at none against CreditRun's 2. PFH also leads on iOS requirement (15.0 vs 17.6). On price, update cadence, ads and device support there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. CreditRun sells 2 one-off in-app purchases. PFH asks for nothing beyond the download.
PFH ships an update every 3 weeks, CreditRun every 4 weeks. The most recent releases landed on October 10, 2026 and October 17, 2026 respectively.
| Parameter | PFH | CreditRun |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks ā better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No ā better | Yes |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 ā better | 17.6 |
| Further details ā not scored | ||
| Size | 138 MB | 5 MB |
| Age rating | 17+ | 4+ |
| Developer | PFH Finance Limited | Vikas Anand |
In-app purchases
PFH
No in-app purchases
CreditRun
- Pro Lifetime (Founder price)$1.99
- Pro Lifetime$4.99









