# CardNav vs ACU Cards

The clearest difference is ratings volume: CardNav at 1.1K against ACU Cards's 54. CardNav also leads on iOS requirement (14.0 vs 16.0). ACU Cards's advantage is rating (4.7 vs 4.4). On price, review sentiment, update cadence and ads there is nothing between them.

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

ACU Cards holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: CardNav has 1.1K ratings behind it against 54, so its average is the more settled of the two. Written reviews point the same way: 30% of CardNav's written reviews are positive against 33% of ACU Cards's.

CardNav ships an update every 6 months, ACU Cards every 9 months. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | CardNav | ACU Cards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.1K ratings)](https://appshunter.io/ios/app/cardnav/id844413062/reviews) | **[4.7 (54 ratings)](https://appshunter.io/ios/app/acu-cards/id1233844954/reviews)** |
| Number of ratings | **1.1K** | 54 |
| Positive reviews | 29.7% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 months** | Every 9 months |
| Monetization | Free | Free |
| Size | 47 MB | 72 MB |
| Requires iOS | **14.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [CO-OP Financial Services](https://appshunter.io/developer/365653538) | [America's Credit Union](https://appshunter.io/developer/430559054) |

## What reviewers say

### CardNav

[App page](https://appshunter.io/ios/app/cardnav/id844413062)

Monitor and manage your debit and credit cards with transaction alerts and customizable usage controls. Define when, where, and how your cards can be used to enhance security and prevent fraud.

**Highlights:** Transaction alerts, Customizable usage settings, Define card usage locations, Define card usage times, Card monitoring and management

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant transaction notifications
- 🔒 Ability to turn card on/off
- 👍 Helpful security features
- 💡 Customizable notification settings

**What reviewers complain about**

- 🐛 Frequent login/password issues
- 🐛 Incorrect account balances
- 🐛 Unreliable card locking/unlocking
- 🐛 Compatibility problems with newer versions

**Reported bugs**

- App crashes when trying to log in
- Unable to add or remove cards
- Delayed or missing transaction notifications

**Requested features**

- Restore Touch ID/Face ID login
- Add ability to transfer funds between accounts
- Improve password management support
- Provide better communication during app outages


### ACU Cards

[App page](https://appshunter.io/ios/app/acu-cards/id1233844954)

Securely manage your credit and debit cards on the go. Instantly turn cards on or off, set up account alerts, and find ATMs. This app complements your existing mobile banking for enhanced card control.

**Highlights:** Turn cards on/off, Set up account alerts, ATM locator, Secure login, Card control

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

**In-app purchases:** none


## Frequently asked questions

### Is CardNav free?

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

### Is ACU Cards free?

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

### Which has better reviews, CardNav or ACU Cards?

ACU Cards is rated higher. CardNav averages 4.4 out of 5 from 1.1K ratings, while ACU Cards averages 4.7 from 54 ratings.

### Do CardNav or ACU Cards have ads?

Neither CardNav nor ACU Cards shows ads.

### Which is updated more often, CardNav or ACU Cards?

CardNav ships an update every 6 months, and ACU Cards every 9 months. Most recently, CardNav was updated on November 1, 2026 and ACU Cards on November 2, 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.*