# Smart Credit Ledger vs Pointfolio

The clearest difference is ads: Smart Credit Ledger at none against Pointfolio's shown. Smart Credit Ledger also leads on update cadence (every 3 weeks vs every 4 months). Pointfolio's advantage is iOS requirement (16.0 vs 18.0). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Smart Credit Ledger sells 1 one-off in-app purchase and Pointfolio sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Smart Credit Ledger ships an update every 3 weeks, Pointfolio every 4 months. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Smart Credit Ledger | Pointfolio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/smart-credit-ledger/id6751474759/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free with in-app purchases | — |
| Size | 10 MB | 70 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Robert Van Deutekom](https://appshunter.io/developer/1785061641) | [JONATHAN LUCAS DAUNT](https://appshunter.io/developer/1883979719) |

## What reviewers say

### Smart Credit Ledger

[App page](https://appshunter.io/ios/app/smart-credit-ledger/id6751474759)

Manage your credit card portfolio privately and securely. Track all your cards, monitor fees, and get timely reminders for payments and rewards. Optimize your credit strategy with smart analytics and household management features, all while keeping your data locally on your device.

**Highlights:** Local data storage for complete privacy, Track all credit cards in one place, Monitor annual fees and payment deadlines, Set reminders for bonus deadlines, Smart analytics and insights, Household management for multiple users, Data import/export via CSV

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (1)**

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


### Pointfolio

[App page](https://appshunter.io/ios/app/pointfolio-miles-and-points/id6760341762)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pointfolio Premium Monthly | $4.99 | per month |
| Pointfolio Pro Monthly | $8.99 | per month |
| Pointfolio Premium Yearly | $49.99 | per year |
| Pointfolio Pro Yearly | $89.99 | per year |


## Frequently asked questions

### Is Smart Credit Ledger free?

Smart Credit Ledger is free to download, with in-app purchases available.

### Is Pointfolio free?

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

### Do Smart Credit Ledger or Pointfolio have ads?

Pointfolio shows ads; Smart Credit Ledger does not.

### Which is updated more often, Smart Credit Ledger or Pointfolio?

Smart Credit Ledger ships an update every 3 weeks, and Pointfolio every 4 months. Most recently, Smart Credit Ledger was updated on October 30, 2026 and Pointfolio on October 31, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*