Comparison

Five Credits vs Flashcards.ai Study Cards

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

Five Credits

Features
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Prepare for WAEC, NECO and JAMB (UTME) anywhere โ€” even without internet. Five Credits is an offline-first exam-prep app built for Nigerian SS3 students and JAMB candidates โ€” named after the 5 O'Level credits you need for university admission. Load a content pack once, then study, practice, and track your progress completely offline โ€” on the bus, at home, or anywhere data is scarce. FEATURES โ€ข A guided 12-week Study Plan that paces you through the full syllabus, day by day, with weekly mixed reviews and progress checkpoints. โ€ข Bite-sized lessons for every topic, written in simple exam-focused language, with properly rendered formulas โ€” not raw text. โ€ข 2,253 practice questions in the same style as WAEC/NECO/JAMB โ€” with instant feedback and every multiple-choice option shuffled so you can't just memorise a position. โ€ข Worked solutions for every question, including WHY each wrong option is wrong, so you actually learn from mistakes. โ€ข A JAMB-style Mock Exam with a real CBT-style timer, question navigator, and flexible length (quick, standard, or full). โ€ข Progress tracking per topic and per subject, so you know exactly what to revise next. โ€ข Available in English, Russian and French. โ€ข Import additional content packs (.zip) to add more subjects and topics as they become available. โ€ข 100% offline after setup. No ads, no account required. Anonymous usage stats are optional and off by default (Settings โ†’ Analytics). CURRENT CONTENT This release ships with a full content pack covering all 5 core O'Level credits compulsory for WAEC, NECO and JAMB โ€” Mathematics, English Language, Physics, Chemistry and Biology: - Mathematics: 24 topics covering the full SS3 syllabus โ€” from number bases and quadratic equations through matrices, trigonometry, statistics, combinatorics, and an introduction to differentiation. - English Language: 10 topics โ€” reading comprehension, summary writing, grammar, lexis and structure, figures of speech, synonyms/antonyms, letter and essay writing, oral English, and idioms. - Physics: 20 topics โ€” from quantities & units and Newton's Laws through waves, current electricity, electromagnetism and modern physics. - Chemistry: 20 topics โ€” from atomic structure and the periodic table through acids/bases/salts, electrolysis, organic chemistry and metals. - Biology: 20 topics โ€” from cell structure and classification through genetics, ecology, and human physiology. That's 94 topics and 2,253 questions in total โ€” every topic has a full lesson, worked examples, common-mistake warnings, and 24 practice questions. More subjects (Government, Economics, Literature-in-English, Geography and others) are on the way โ€” the app is built to grow with new content packs without needing an app update. Built for students who need serious exam prep without a heavy data bill.

About

Flashcards.ai Study Cards

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Turn what you're studying into flashcards in seconds, with Flashcards.ai! Describe a topic, paste your notes, or add a document โ€” Flashcards.ai drafts a full deck for you. Review it, change anything you want, and save it when you're happy. Nothing is stored until you decide to keep it. THREE WAYS TO MAKE A DECK Generate with AI. Give it a topic, your lecture notes, a PDF or a photo of a page, then choose how many cards you want and how deep to go โ€” beginner, intermediate or advanced. You get a draft in under a minute and you edit it before anything is saved. You can throw most things at it: a single line like "the nitrogen cycle", three pages of notes you typed in a lecture, a chapter you photographed, or a PDF a lecturer handed out. It reads what you give it and writes the questions. Build it yourself. A fast editor that stays out of the way: add a card, type both sides, move on. Attach an image to either side when a picture explains it better than a sentence. Import what you already have. Paste a CSV, a TSV, or plain question-and-answer text and the format is worked out for you. Cards you made somewhere else don't have to be retyped. TWO WAYS TO STUDY Flashcards. Flip a card, decide whether you knew it, swipe to the next one. Rate each card as you go and your progress builds deck by deck. Quiz mode. Multiple choice drawn from your own deck, scored as you go, with right and wrong shown straight away. It's the same material tested a different way, which is usually when you find out what you actually know. A LIBRARY OF THOUSANDS OF DECKS Browse decks other people have published โ€” anatomy, Spanish verbs, music theory, exam material, and a great deal else. Search the whole collection, not just what's on screen. Study anything you find without even making an account, or save the decks you want to keep coming back to. It's a good place to start when you don't want to write a deck from scratch, and a good way to find out how other people broke a subject down. SHARE WHAT YOU MAKE Send a deck to a classmate with a link, publish it to the Library for anyone to use, or print it out when paper is genuinely easier. Your decks stay yours: unlist or unshare at any time. IT WORKS WITH THE WEB APP Sign in with the same flashcards.ai account you use in your browser and your decks are simply there. Write a deck on your laptop where typing is easier, then study it on the bus. Edits sync both ways. STUDY WITHOUT A SIGNAL Your decks live on your phone, so a plane, a train tunnel or a bad signal doesn't stop you. Ratings you give while offline are saved and sync as soon as you're back online. SMALL THINGS THAT HELP Full dark mode, matched properly rather than inverted. Tag decks by subject and search your own library. See at a glance how many cards a deck holds and how far through it you are, and how many cards you've reviewed overall. Reorder cards, delete the ones that aren't earning their place, and pick up a deck exactly where you left it. Sign in with Apple, Google or email, whichever you prefer. WHO IT'S FOR Students revising for exams. Medical and nursing students drilling terminology. Language learners building vocabulary. Anyone sitting a professional exam. Anyone who has ever written on an index card and wished they hadn't lost it. PRIVATE BY DEFAULT No advertising. No tracking you across other apps. We don't sell your data. Decks you make are private until you choose to share them, and you can delete your account and everything in it from inside the app, at any time. Questions or problems: help@flashcards.ai

Screenshots

Five Credits4 screens
Flashcards.ai Study Cards4 screens

Verdict

The call

The clearest difference is update cadence: Flashcards.ai Study Cards at every 2 days against Five Credits's weekly. Five Credits's advantage is iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

Five Credits ships an update weekly, Flashcards.ai Study Cards every 2 days. The most recent releases landed on October 25, 2026 and October 20, 2026 respectively.

Scorecard2 real differences ยท 4 level
Five Credits versus Flashcards.ai Study Cards: the parameters behind the verdict, then further details
ParameterFive CreditsFlashcards.ai Study Cards
PriceFreeFree
Update frequencyWeeklyEvery 2 days โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 โ€” better17.0
Further details โ€” not scored
Size46 MB15 MB
Age rating4+4+
DeveloperSergey TereshchenkoInfinite Wave Media, LLC

In-app purchases

None

Five Credits

No in-app purchases

None

Flashcards.ai Study Cards

No in-app purchases

Questions

Is Five Credits free?
Five Credits is free to download, with no in-app purchases.
Is Flashcards.ai Study Cards free?
Flashcards.ai Study Cards is free to download, with no in-app purchases.
Do Five Credits or Flashcards.ai Study Cards have ads?
Neither Five Credits nor Flashcards.ai Study Cards shows ads.
Which is updated more often, Five Credits or Flashcards.ai Study Cards?
Five Credits ships an update weekly, and Flashcards.ai Study Cards every 2 days. Most recently, Five Credits was updated on October 25, 2026 and Flashcards.ai Study Cards on October 20, 2026.

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