Comparison

CardValet vs A

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

Head to head
About

CardValet

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
Read full description

NOTE: This application is powered by Fiserv, Inc. but is activated through specific financial institutions. Check with your financial institution to ensure they participate in CardValet prior to downloading. CardValet helps you efficiently manage your cards digitally. TAKE CONTROL Stay in control of your card. Turn your card ON/OFF, set spending limits, decide where, when and how your card can be used. - Set card to be on or off in an instant, restricting whether it can be used or not - Restrict your card purchases to specific locations (merchants located within a certain range of your phone or select city, state, country or zip code on an expandable interactive map - Select merchant categories (Restaurant, Travel, Entertainment etc.) and transaction types (Instore, eCommerce, ATM etc.) to control purchases on your card - Enable or disable international transactions - Establish spending limits to allow transactions up to a certain dollar value and decline transactions when amounts exceed the thresholds set by you BE ALERT Receive real time alerts on all purchases, select purchases or when a card transaction is attempted but declined. Customize your alert preferences and get notified as per your choice. Alerts are sent in real time, immediately after a transaction has taken place, and help you quickly detect unauthorized activity on your card. VIEW YOUR CARD PURCHASE View your purchases, add memos and tag your purchases for easy tracking. DO IT YOURSELF Mange your card at your fingertips. Activate your card, set card PIN or report your lost/stolen cards seamlessly by making a call from the App. Key Benefits - Receive alerts to monitor transactions and help protect from fraud Actively manage your money and take charge of your card usage - Remotely control and monitor children’s spending - Helps ensure business spending policy compliance

About

A

Earn cash back on your everyday purchases simply by signing up. No extra spending is required to receive rewards. A portion of your spending is automatically returned to you as cash back.

Highlights
  • Earn cash back on purchases
  • No additional spending required
  • Automatic cash back rewards
  • Easy sign-up process
Features
Read full description

All you have to do to earn cash back on everyday purchases is to sign up today with APay. By using APay you don't have to spend anything additional in order to earn amazing cash back. Simply use our products and a portion of your spending will automatically be given back to you as cash back in your wallet.

Screenshots

CardValet4 screens
A2 screens

Verdict

The call

The clearest difference is review sentiment: A at 79% against CardValet's 19%. A also leads on update cadence (every 9 days vs every 4 months) and iOS requirement (8.0 vs 15.0). CardValet's advantage is rating (4.6 vs 4.0) and ratings volume (19K vs 178). On price, ads, in-app purchases and monetization model there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

CardValet holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: CardValet has 19K ratings behind it against 178, so its average is the more settled of the two. Written reviews complicate that: 19% of CardValet's written reviews are positive against 79% of A's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

CardValet ships an update every 4 months, A every 9 days. The most recent releases landed on October 15, 2026 and October 6, 2026 respectively.

Scorecard5 real differences · 5 level
CardValet versus A: the parameters behind the verdict, then further details
ParameterCardValetA
PriceFreeFree
Rating4.6 (19K ratings) — better4.0 (178 ratings)
Positive reviews18.8% of reviews79.5% of reviews — better
Number of ratings19K — better178
Update frequencyEvery 4 monthsEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.08.0 — better
Further details — not scored
Size86 MB22 MB
Age rating4+4+
DeveloperFiserv, IncZeb Reardon

Customer experience

CardValet

All ratings18,753 ratings
Positive89.9%
Neutral3.1%
Negative7.0%
Written reviews133 reviews
Positive18.8%
Neutral12.8%
Negative68.4%

A

All ratings178 ratings
Positive74.7%
Neutral3.4%
Negative21.9%
Written reviews78 reviews
Positive79.5%
Neutral0.0%
Negative20.5%

User reviews

CardValet

From 19K App Store ratings

What we love

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

Room to improve

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

A

From 178 App Store ratings

What we love

  • 💰 Earn cash back on everyday purchases
  • 🎯 Support local organizations while shopping
  • 👍 Easy to use interface once understood
  • 🏪 Access to hundreds of participating retailers
  • ⚡ Quick transaction processing in-store

Room to improve

  • 🔒 Requires credit card information to use
  • 🐛 Frequent app crashes and freezing
  • 😤 Poor customer service responsiveness
  • 🔄 Circular purchasing model (rewards only usable in-app)
  • 📧 Misleading marketing about discount accessibility

Bugs and requests

CardValet

Reported bugs

3 issues
  • Unable to reset password
  • Inconsistent account syncing
  • Repeated 'too many devices' errors

Requested features

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

A

Reported bugs

10 issues
  • App displays blank white screen
  • Login credentials stop working after initial access
  • Password reset emails never arrive
  • Alphabetical sorting doesn't function correctly
  • App continuously spinning/loading
Show 5 more
  • Unknown error messages during checkout
  • Double charging on transactions
  • Menu options unresponsive
  • Webpage also non-functional
  • Duplicate transactions processed

Requested features

6 requests
  • Alternative payment methods (PayPal, Apple Pay)
  • Ability to update personal information within app
  • Better sorting and filtering options
  • Option to use discounts without digital payment
  • Improved email notification system
Show 1 more
  • Direct customer service chat support

In-app purchases

None

CardValet

No in-app purchases

None

A

No in-app purchases

Questions

Is CardValet free?
CardValet is free to download, with no in-app purchases.
Is A free?
A is free to download, with no in-app purchases.
Which has better reviews, CardValet or A?
CardValet is rated higher. CardValet averages 4.6 out of 5 from 19K ratings, while A averages 4.0 from 178 ratings.
Do CardValet or A have ads?
Neither CardValet nor A shows ads.
Which is updated more often, CardValet or A?
CardValet ships an update every 4 months, and A every 9 days. Most recently, CardValet was updated on October 15, 2026 and A on October 6, 2026.

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