# Perqly vs CardCred

The clearest difference is ads: Perqly at none against CardCred's shown. Perqly also leads on iOS requirement (16.1 vs 18.6). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 5.0 for Perqly against 5.0 for CardCred. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 24, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Perqly | CardCred |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/perqly/id6749399477/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/cardcred/id6761225025/reviews) |
| Number of ratings | 2 | 2 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 69 MB | 5 MB |
| Requires iOS | **16.1** | 18.6 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Perqly LLC](https://appshunter.io/developer/1830084823) | [Ya-Hsiu Yang](https://appshunter.io/developer/1888307254) |

## What reviewers say

### Perqly

[App page](https://appshunter.io/ios/app/perqly/id6749399477)

This app helps you maximize credit card benefits by tracking rewards, expiration dates, and progress. It covers over 200 cards from major banks and keeps all your data private on your device.

**Highlights:** Tracks 200+ credit cards, Maximizes card benefits, Visual benefit progress bars, Calendar sync with alerts, Total privacy, no account linking, Custom categories and search

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

**In-app purchases:** none


### CardCred

[App page](https://appshunter.io/ios/app/cardcred/id6761225025)

This app helps you maximize credit card rewards by tracking statement credits and benefits. It provides personalized card recommendations for spending categories and sends timely reminders before benefits expire, ensuring you get the most value from your cards.

**Highlights:** Track credit card statement credits and benefits, Visual progress bars for used and remaining credits, Personalized card recommendations by spending category, Automatic activation reminders for quarterly bonuses, Location-based card suggestions, Smart reminders for expiring benefits and annual fees, Real ROI dashboard for card value assessment, Pre-loaded templates for popular credit cards

**In-app purchases:** none


## Frequently asked questions

### Is Perqly free?

Perqly is free to download, with no in-app purchases.

### Is CardCred free?

CardCred is free to download, with no in-app purchases.

### Which has better reviews, Perqly or CardCred?

Perqly and CardCred are both rated 5.0 out of 5 on the App Store, from 2 and 2 ratings respectively.

### Do Perqly or CardCred have ads?

CardCred shows ads; Perqly does not.

### Which is updated more often, Perqly or CardCred?

Perqly ships an update fortnightly, and CardCred fortnightly. Most recently, Perqly was updated on October 24, 2026 and CardCred on October 7, 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.*