# KaCard vs Last Payment

The clearest difference is rating: Last Payment at 5.0 against KaCard's 3.5. KaCard's advantage is update cadence (weekly vs every 3 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. KaCard sells 1 one-off in-app purchase and Last Payment sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Last Payment holds the better App Store score, 5.0 against 3.5. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

KaCard ships an update weekly, Last Payment every 3 weeks. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | KaCard | Last Payment |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (2 ratings)](https://appshunter.io/ios/app/kacard/id6751115113/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/last-payment-bill-tracker/id6759302783/reviews)** |
| Number of ratings | **2** | 1 |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 6 MB | 60 MB |
| Requires iOS | 17.6 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Sum Yin Silviane LO](https://appshunter.io/developer/1776343736) | [Emre Balli](https://appshunter.io/developer/1635136655) |

## What reviewers say

### KaCard

[App page](https://appshunter.io/ios/app/kacard/id6751115113)

Manage all your credit cards in one secure app. Discover the best rewards for dining, travel, and shopping based on your spending habits. Features smart billing reminders and offline access.

**Highlights:** Secure card organization, Smart card search by category, Card analytics dashboard, Smart billing calendar with reminders, Offline functionality

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| KaCard Premium | $4.99 | one-time |


### Last Payment

[App page](https://appshunter.io/ios/app/last-payment-bill-tracker/id6759302783)

Securely track bills, subscriptions, and debts offline. Get timely reminders and an overview of upcoming, overdue, and paid expenses. Pro features offer advanced analytics and data export.

**Highlights:** Offline data privacy, Unlimited bill tracking, Flexible recurring payment setup, Upcoming, overdue, and paid expense overview, Customizable reminders, Spending analytics, Export to CSV & PDF

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Last Payment Pro Monthly | $3.99 | per month |
| Last Payment Pro Yearly | $19.99 | per year |


## Frequently asked questions

### Is KaCard free?

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

### Is Last Payment free?

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

### Which has better reviews, KaCard or Last Payment?

Last Payment is rated higher. KaCard averages 3.5 out of 5 from 2 ratings, while Last Payment averages 5.0 from 1 ratings.

### Do KaCard or Last Payment have ads?

Neither KaCard nor Last Payment shows ads.

### Which is updated more often, KaCard or Last Payment?

KaCard ships an update weekly, and Last Payment every 3 weeks. Most recently, KaCard was updated on November 5, 2026 and Last Payment on October 31, 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.*