# J.P. Morgan Virtual Card vs SplitNSettle

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.

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.

## The numbers

| Metric | J.P. Morgan Virtual Card | SplitNSettle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/jp-morgan-virtual-card/id6738059944/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 5 weeks |
| Monetization | Free | — |
| Size | 61 MB | 54 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Extend Enterprises](https://appshunter.io/developer/1268034989) | [Neetu Sharma](https://appshunter.io/developer/1803460892) |

## What reviewers say

### J.P. Morgan Virtual Card

[App page](https://appshunter.io/ios/app/jp-morgan-virtual-card/id6738059944)

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.

**Highlights:** Virtual card creation, Cardholder empowerment, Customizable spending controls, Real-time spending insights, Rebate maximization

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### SplitNSettle

[App page](https://appshunter.io/ios/app/splitnsettle/id6757589699)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SplitNSettle Pro (Yearly) | $4.99 | per year |


## Frequently asked questions

### Is J.P. Morgan Virtual Card free?

J.P. Morgan Virtual Card is free to download, with no in-app purchases.

### Is SplitNSettle free?

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

### Do J.P. Morgan Virtual Card or SplitNSettle have ads?

Neither J.P. Morgan Virtual Card nor SplitNSettle shows ads.

### Which is updated more often, J.P. Morgan Virtual Card or SplitNSettle?

J.P. Morgan Virtual Card ships an update every 5 days, and SplitNSettle every 5 weeks. Most recently, J.P. Morgan Virtual Card was updated on October 9, 2026 and SplitNSettle on September 29, 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.*