# CardNav vs MEMCU CardNav

CardNav and MEMCU CardNav both sit at 4.4 stars, but that hides the real split: 30% of CardNav's written reviews are positive against 0% of MEMCU CardNav's. CardNav also leads on ratings volume (1.1K vs 91). On price, rating, 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.

MEMCU CardNav holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: CardNav has 1.1K ratings behind it against 91, so its average is the more settled of the two. Written reviews complicate that: 30% of CardNav's written reviews are positive against 0% of MEMCU CardNav's, so the app with the better star average is not the one people write more warmly about.

CardNav ships an update every 6 months, MEMCU CardNav every 10 months. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | CardNav | MEMCU CardNav |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.1K ratings)](https://appshunter.io/ios/app/cardnav/id844413062/reviews) | **[4.6 (91 ratings)](https://appshunter.io/ios/app/memcu-cardnav/id1578568431/reviews)** |
| Number of ratings | **1.1K** | 91 |
| Positive reviews | **29.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 months** | Every 10 months |
| Monetization | Free | Free |
| Size | 47 MB | 52 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CO-OP Financial Services](https://appshunter.io/developer/365653538) | [Members Credit Union](https://appshunter.io/developer/918195330) |

## 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


### MEMCU CardNav

[App page](https://appshunter.io/ios/app/memcu-cardnav/id1578568431)

Manage your credit and debit cards with customizable controls and real-time alerts. Actively monitor card usage, set transaction preferences, and receive immediate notifications to prevent fraudulent activity.

**Highlights:** Turn card access on/off, Set transaction notifications, Define merchant and geographic controls, Receive real-time usage alerts, Decline transactions instantly, Proactive fraud prevention

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is CardNav free?

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

### Is MEMCU CardNav free?

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

### Which has better reviews, CardNav or MEMCU CardNav?

MEMCU CardNav is rated higher. CardNav averages 4.4 out of 5 from 1.1K ratings, while MEMCU CardNav averages 4.6 from 91 ratings.

### Do CardNav or MEMCU CardNav have ads?

Neither CardNav nor MEMCU CardNav shows ads.

### Which is updated more often, CardNav or MEMCU CardNav?

CardNav ships an update every 6 months, and MEMCU CardNav every 10 months. Most recently, CardNav was updated on November 1, 2026 and MEMCU CardNav on October 25, 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.*