# CardValet vs MyCardRules

The clearest difference is ratings volume: CardValet at 19K against MyCardRules's 867. CardValet also leads on update cadence (every 4 months vs every 9 months). On price, rating, review sentiment 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.

On the App Store both sit at effectively the same score — 4.6 for CardValet against 4.5 for MyCardRules. That said, the two scores are not equally well evidenced: CardValet has 19K ratings behind it against 867, so its average is the more settled of the two. Written reviews split almost evenly too, at 19% and 19% positive.

CardValet ships an update every 4 months, MyCardRules every 9 months. The most recent releases landed on October 25, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | CardValet | MyCardRules |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (19K ratings)](https://appshunter.io/ios/app/cardvalet/id849898083/reviews)** | [4.5 (867 ratings)](https://appshunter.io/ios/app/mycardrules/id1229273747/reviews) |
| Number of ratings | **19K** | 867 |
| Positive reviews | 18.8% of reviews | **18.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 9 months |
| Monetization | Free | Free |
| Size | 86 MB | 46 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Fiserv, Inc](https://appshunter.io/developer/386678214) | [Jack Henry and Associates, Inc.](https://appshunter.io/developer/1229273746) |

## What reviewers say

### CardValet

[App page](https://appshunter.io/ios/app/cardvalet/id849898083)

Take full control of your debit and credit cards with instant on/off toggles, spending limits, and location-based restrictions. Receive real-time alerts for all transactions, monitor purchases, and manage your cards digitally from your smartphone.

**Highlights:** Turn cards on/off instantly, Set spending limits, Restrict usage by location, Control merchant categories, Receive real-time transaction alerts, View purchase history, Activate cards and set PIN

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Real-time transaction alerts
- 🔒 Ability to lock/unlock card
- 💡 Customizable spending limits
- 👍 Convenient card management

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unreliable connectivity
- 🐛 Disappearing transaction history
- 👎 Reduced functionality after updates

**Reported bugs**

- Unable to reset password
- Inconsistent account syncing
- Repeated 'too many devices' errors

**Requested features**

- Balance and spending overview
- Fingerprint/biometric login
- Ability to add multiple cards
- Improved notification system


### MyCardRules

[App page](https://appshunter.io/ios/app/mycardrules/id1229273747)

Take full control of your credit card usage. Set spending limits, block specific transaction types, and receive real-time notifications for every card activity. Manage your finances with confidence and security.

**Highlights:** Transaction type control, Spending limit management, Real-time transaction notifications, Card usage security, Personalized card rules

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🔒 Secure card locking
- 🚨 Instant transaction alerts
- 💰 Saved from fraudulent charges

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔑 Frequent login issues
- 📵 Unreliable notifications
- 🔒 Accounts getting locked out
- ⚠️ Compatibility problems

**Reported bugs**

- Login credentials not working
- Unable to update or reset password
- Notification issues on iPhones
- Compatibility problems with certain cards

**Requested features**

- Touch ID/Face ID support
- Password reset functionality
- Ability to manage multiple cards
- Text message notifications
- Better UI and user experience


## Frequently asked questions

### Is CardValet free?

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

### Is MyCardRules free?

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

### Which has better reviews, CardValet or MyCardRules?

CardValet is rated higher. CardValet averages 4.6 out of 5 from 19K ratings, while MyCardRules averages 4.5 from 867 ratings.

### Do CardValet or MyCardRules have ads?

Neither CardValet nor MyCardRules shows ads.

### Which is updated more often, CardValet or MyCardRules?

CardValet ships an update every 4 months, and MyCardRules every 9 months. Most recently, CardValet was updated on October 25, 2026 and MyCardRules on October 20, 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.*