# Scheels Visa Card vs Meritrust Mobile

The clearest difference is review sentiment: Scheels Visa Card at 40% against Meritrust Mobile's 16%. Scheels Visa Card also leads on rating (4.8 vs 4.6) and ratings volume (39K vs 7.5K). 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.

Scheels Visa Card holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Scheels Visa Card has 39K ratings behind it against 7.5K, so its average is the more settled of the two. Written reviews point the same way: 40% of Scheels Visa Card's written reviews are positive against 16% of Meritrust Mobile's.

Scheels Visa Card ships an update every 6 weeks, Meritrust Mobile every 2 months. Both last shipped on September 24, 2026.

## The numbers

| Metric | Scheels Visa Card | Meritrust Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (39K ratings)](https://appshunter.io/ios/app/scheels-visa-card/id844282103/reviews)** | [4.6 (7.5K ratings)](https://appshunter.io/ios/app/meritrust-mobile/id6444189039/reviews) |
| Number of ratings | **39K** | 7.5K |
| Positive reviews | **40.3% of reviews** | 16.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 49 MB | 18 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [First Bankcard](https://appshunter.io/developer/631020362) | [Meritrust Credit Union](https://appshunter.io/developer/457535062) |

## What reviewers say

### Scheels Visa Card

[App page](https://appshunter.io/ios/app/scheels-visa-card/id844282103)

Manage your credit card account conveniently on your mobile device. Access your balance, view statements, make payments, and set up alerts securely and easily. This free app provides a simple way to stay on top of your finances.

**Highlights:** Touch ID login, Account balance check, Statement and transaction history, Credit card bill payment, Email alert setup

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💳 Good rewards program
- 🛒 Integrates well with Scheels store
- 🤝 Excellent customer service

**What reviewers complain about**

- 🔍 Difficult to view account details
- 🔒 Security issues with card compromises
- 💰 High interest rates
- 🔄 Inconsistent login/authentication issues

**Reported bugs**

- App crashes or freezes during use
- Incorrect credit limit changes without notice
- Inability to update payment information
- Recurring login problems

**Requested features**

- Ability to view reward points balance in app
- Option for automatic payments to avoid late fees
- Improved app stability and performance
- Better integration between app and website


### Meritrust Mobile

[App page](https://appshunter.io/ios/app/meritrust-mobile/id6444189039)

Manage your finances on the go with this mobile banking app. Easily view account details, make payments, transfer funds, and deposit checks securely. Locate branches and ATMs for convenient access to your money anytime, anywhere.

**Highlights:** View account balances and transaction history, Pay bills, Transfer funds between accounts, Deposit checks, Locate branches or ATMs

**In-app purchases:** none

**What reviewers like**

- 🙂 Kind and helpful staff
- 👍 Accessible for visually impaired users
- 💡 Customizable app layout

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow loading times
- 🤔 Confusing and outdated user interface
- 🔍 Lack of important features from previous app
- 🤯 Forced migration to new app with poor user experience

**Reported bugs**

- Scheduled payments not processing correctly
- Incorrect account balance information
- Login issues and inability to access accounts

**Requested features**

- Bring back quick balance widget
- Improve transaction search and filtering
- Add support for landscape mode on tablets


## Frequently asked questions

### Is Scheels Visa Card free?

Scheels Visa Card is free to download, with no in-app purchases.

### Is Meritrust Mobile free?

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

### Which has better reviews, Scheels Visa Card or Meritrust Mobile?

Scheels Visa Card is rated higher. Scheels Visa Card averages 4.8 out of 5 from 39K ratings, while Meritrust Mobile averages 4.6 from 7.5K ratings.

### Do Scheels Visa Card or Meritrust Mobile have ads?

Neither Scheels Visa Card nor Meritrust Mobile shows ads.

### Which is updated more often, Scheels Visa Card or Meritrust Mobile?

Scheels Visa Card ships an update every 6 weeks, and Meritrust Mobile every 2 months. Most recently, Scheels Visa Card was updated on September 24, 2026 and Meritrust Mobile on September 24, 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.*