Comparison

Credit Genius vs SplitLink

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

Head to head
About

Credit Genius

Build and monitor your credit score using AI. Report rent payments to Experian for an instant boost, even backdating up to 24 months. Engage in interactive games to master financial concepts and receive 24/7 AI assistance for disputes and FICO growth.

Highlights
  • Report rent payments to Experian
  • Backdate rent payments up to 24 months
  • Interactive credit building games
  • AI credit assistant for disputes
  • Free Experian credit tracking
  • Fraud protection
Features
Read full description

Credit Genius: Score & Games AI Credit Builder & Monitoring Stop leaving money on the table. Turn your largest monthly expense into your biggest credit builder with Genius Rent Boost™. Whether you’re starting from scratch or aiming for the 800 club, Credit Genius uses elite AI to guide your moves. No debt required—just your rent and your resolve. Inside Credit Genius: Genius Rent Boost™: Report your rent to Experian® and backdate payments for an instant score impact. Credit Games®: Master the rules of money with our trademarked interactive challenges. AI Credit Assistant: Your 24/7 coach for navigating disputes, funding, and FICO® growth. Elite Monitoring: Free Experian credit tracking and fraud protection—all in one place. Why Millions Choose Genius: No Hard Credit Check: Build your path without damaging your score. Instant Backdating: Get credit for up to 24 months of past rent payments. Security First: Bank-level encryption and 24/7 identity monitoring. Download now and Win. At. Credit. Terms of use: https://www.credit-genius.com/terms-conditions Privacy policy: https://www.credit-genius.com/privacy-policy FAQ: https://www.credit-genius.com/faq Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SplitLink

Read full description

Scan the receipt. Tap who had what. SplitLink does the math. Splitting a bill by item — not just dividing the total evenly — has always meant squinting at a receipt and arguing over who ordered the extra side. SplitLink turns that into a few taps. Point your camera at any receipt and it reads the line items for you. Assign each item to the people who shared it, and SplitLink instantly shows exactly what everyone owes — tax and tip included. No accounts. No sign-up. Nothing leaves your phone. WHY SPLITLINK • Scan any receipt — the camera reads item names and prices automatically • Split by item, not just evenly — assign each dish to whoever actually had it • Share items between people — that bottle of wine splits three ways in one tap • Tax and tip handled — added proportionally so the totals always reconcile • See who owes what — a clear per-person breakdown, instantly • Edit anything — fix a price, rename an item, or add something the scan missed • Save your bills — keep a history you can reopen any time PAY ONCE, OWN IT FOREVER Your first 3 scans are free. After that, a single one-time purchase unlocks unlimited scanning for good — no subscription, no renewals, no hidden costs. Pay once and SplitLink is yours to keep. COMPLETE PRIVACY, NOTHING COLLECTED Owning the app outright is only half of it: SplitLink collects no data, period. Everything runs on your device — no account, no ads, no internet connection required. Your receipts and the people you split with never leave your phone. There is nothing to track, because there is nothing collected. PERFECT FOR • Dinner out with friends • Group trips and shared houses • Roommates splitting groceries • Anyone tired of "just send me whatever" Reads US, UK and European receipts, and shows totals in your local currency. Download SplitLink, scan your first receipt free, and never argue over a bill again.

Screenshots

Credit Genius4 screens
SplitLink4 screens

Verdict

The call

The clearest difference is update cadence: Credit Genius at every 2 weeks against SplitLink's every 4 months. Credit Genius also leads on iOS requirement (15.6 vs 17.0). On price, ads, in-app purchases and device support 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. Credit Genius sells 14 in-app purchases, starting at $3.99 per month and SplitLink sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Credit Genius ships an update every 2 weeks, SplitLink every 4 months. The most recent releases landed on October 18, 2026 and October 17, 2026 respectively.

Scorecard2 real differences · 8 level
Credit Genius versus SplitLink: the parameters behind the verdict, then further details
ParameterCredit GeniusSplitLink
PriceFreeFree
Rating4.8 (156 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings156 — better—
Update frequencyEvery 2 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size100 MB3 MB
Age rating4+4+
DeveloperTHE GREAT AMERICAN CREDIT SECRET LLCRentLink Sp. z o.o.

In-app purchases

14 purchases

Credit Genius

Subscriptions13
  • Genius Shield$3.991 Month
  • Genius Shield$4.991 Month
  • Identity Protection Monthly$4.991 Month
Show 10 more
  • Genius Unlimited$7.491 Month
  • Genius Shield$7.991 Month
  • Genius Plus$9.991 Month
  • Silver Premium Monthly3 variants$9.991 Month
  • Genius Elite$12.491 Month
  • Genius Elite$19.991 Month
  • Gold Premium Monthly3 variants$19.991 Month
  • Elite 👑$24.991 Month
  • Genius Elite$24.991 Month
  • Platinum Premium Monthly3 variants$29.991 Month
One-time1
  • Module 1$99.00
1 purchases

SplitLink

One-time1
  • Unlimited Scanning$1.99

Questions

Is Credit Genius free?
Credit Genius is free to download, with in-app purchases available.
Is SplitLink free?
SplitLink is free to download, with in-app purchases available.
Do Credit Genius or SplitLink have ads?
Neither Credit Genius nor SplitLink shows ads.
Which is updated more often, Credit Genius or SplitLink?
Credit Genius ships an update every 2 weeks, and SplitLink every 4 months. Most recently, Credit Genius was updated on October 18, 2026 and SplitLink on October 17, 2026.

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