# Divvy vs CardCred

The clearest difference is iOS requirement: Divvy at 16.0 against CardCred's 18.6. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Divvy ships an update every 2 weeks, CardCred fortnightly. The most recent releases landed on September 8, 2026 and August 1, 2026 respectively.

## The numbers

| Metric | Divvy | CardCred |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/cardcred/id6761225025/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | — | Free |
| Size | 45 MB | 5 MB |
| Requires iOS | **16.0** | 18.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Christen Xie](https://appshunter.io/developer/1844760745) | [Ya-Hsiu Yang](https://appshunter.io/developer/1888307254) |

## What reviewers say

### Divvy

[App page](https://appshunter.io/ios/app/divvy-split-fairly/id6759147019)

**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 Divvy free?

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

### Is CardCred free?

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

### Do Divvy or CardCred have ads?

Both Divvy and CardCred show ads.

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

Divvy ships an update every 2 weeks, and CardCred fortnightly. Most recently, Divvy was updated on September 8, 2026 and CardCred on August 1, 2026.

---

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