Credit Genius vs SplitLink
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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/
SplitLink
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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
Verdict
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
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.
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.
| Parameter | Credit Genius | SplitLink |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (156 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 156 — better | — |
| Update frequency | Every 2 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 100 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | THE GREAT AMERICAN CREDIT SECRET LLC | RentLink Sp. z o.o. |
In-app purchases
Credit Genius
- Genius Shield$3.991 Month
- Genius Shield$4.991 Month
- Identity Protection Monthly$4.991 Month
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- 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
- Module 1$99.00
SplitLink
- Unlimited Scanning$1.99









