J.P. Morgan Virtual Card vs SplitNSettle
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
J.P. Morgan Virtual Card
This app allows J.P. Morgan Commercial Card customers to create and manage virtual cards for business expenses. It streamlines payment processes, enables cardholder requests, and provides real-time spending insights. Organizations can customize card controls and maximize rebate opportunities.
- Virtual card creation
- Cardholder empowerment
- Customizable spending controls
- Real-time spending insights
- Rebate maximization
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Elevate your B2B payment experience with the J.P. Morgan Virtual Card app, designed exclusively for J.P. Morgan Commercial Card customers. This intuitive application empowers your organization to seamlessly create and manage virtual cards for B2B and travel & entertainment expenses with ease and security. Key features: • Virtual Card Creation: Generate virtual cards in seconds, streamlining your payment processes. • Empowered Cardholders: Allow team members, from employees to contractors, to request and receive virtual cards for B2B and travel & entertainment expenses effortlessly. • Customizable Controls: Set spending limits, define active dates, and tailor card settings to meet your organizational needs. • Real-Time Insights: Gain immediate visibility into spending activities, tracking who spends what and where. • Maximize Rebate Opportunities: Capture additional spending within your card program to maximize your rebate.
SplitNSettle
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Money with friends shouldn't be awkward. SplitNSettle makes splitting bills, tracking shared expenses, and settling up effortless — whether you're traveling, living with flatmates, or just splitting dinner. Add an expense, choose who's in, and we handle the math. When it's time to settle, we calculate the simplest path so everyone gets even with the fewest transfers. — WHY YOU'LL LOVE IT — - MONTHLY BILLS ON AUTOPILOT Perfect for flatmates and family. Add recurring bills like rent, maid, Wi-Fi, or subscriptions once — they split equally every month, and each member marks their share as paid. A full payment history keeps everyone accountable. - SMART SETTLEMENTS No more complex math or "who owes who." We automatically calculate the most efficient way to clear debts within a group, minimizing the number of transfers needed to get everyone even. - ACTIONABLE INSIGHTS Beautiful charts visualize your spending by category and month, so you can spot trends and see exactly where your money goes over time. - STRUCTURED GROUPS & CATEGORIES Keep your financial life organized with smart categories and subcategories — like "Travel > Summer Trip" or "Food > Groceries" vs "Food > Dining Out" — for precise, clutter-free tracking. - RECEIPTS & PAYMENT PROOF Attach a photo of any bill to an expense and upload proof when you settle up. Every transaction stays backed by evidence — so there's never a doubt about who paid what. - UNIVERSAL CURRENCY SUPPORT Travel without limits. Add expenses in any currency and we'll keep the records straight, ensuring fair splits no matter where you are in the world. - GROUP POLLS Can't decide where to eat or which place to book? Create a poll and let everyone vote — decide together, faster, with no endless group-chat debates. — PERFECT FOR — • Roommates & flatmates splitting rent and bills • Friends on trips and vacations • Couples managing shared expenses • Families tracking household costs • Anyone tired of "I'll get you back later" Download SplitNSettle and turn shared expenses from a source of friction into something simple. Split smarter. Settle faster. LINKS - Privacy Policy: https://splitnsettle.app/privacy - Terms of Use (EULA): https://splitnsettle.app/terms - Support: https://splitnsettle.app/contact Note: AI features (Voice Input & Receipt Scanning) are powered by OpenAI. Data is processed securely for transcription and analysis only and is not used for training AI models.
Screenshots
Verdict
The clearest difference is in-app purchases: J.P. Morgan Virtual Card at none against SplitNSettle's 1. J.P. Morgan Virtual Card also leads on update cadence (every 5 days vs every 5 weeks). On price, ads, device support and iOS requirement 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. SplitNSettle sells 1 in-app purchase, starting at $4.99 per year. J.P. Morgan Virtual Card asks for nothing beyond the download.
J.P. Morgan Virtual Card ships an update every 5 days, SplitNSettle every 5 weeks. The most recent releases landed on October 9, 2026 and September 29, 2026 respectively.
| Parameter | J.P. Morgan Virtual Card | SplitNSettle |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 5 days — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 61 MB | 54 MB |
| Age rating | 4+ | 4+ |
| Developer | Extend Enterprises | Neetu Sharma |
In-app purchases
J.P. Morgan Virtual Card
No in-app purchases
SplitNSettle
- SplitNSettle Pro (Yearly)$4.991 Year
Questions
Is J.P. Morgan Virtual Card free?
Is SplitNSettle free?
Do J.P. Morgan Virtual Card or SplitNSettle have ads?
Which is updated more often, J.P. Morgan Virtual Card or SplitNSettle?
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