# CardValet vs PCFCU MyMobile App

CardValet and PCFCU MyMobile App both sit at 4.6 stars, but that hides the real split: 56% of PCFCU MyMobile App's written reviews are positive against 19% of CardValet's. PCFCU MyMobile App also leads on update cadence (monthly vs every 4 months). CardValet's advantage is monetization model (free vs free with in-app purchases) and ratings volume (19K vs 1.6K). On price, rating, 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.

PCFCU MyMobile App holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: CardValet has 19K ratings behind it against 1.6K, so its average is the more settled of the two. Written reviews point the same way: 19% of CardValet's written reviews are positive against 56% of PCFCU MyMobile App's.

CardValet ships an update every 4 months, PCFCU MyMobile App monthly. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | CardValet | PCFCU MyMobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (19K ratings)](https://appshunter.io/ios/app/cardvalet/id849898083/reviews) | **[4.8 (1.6K ratings)](https://appshunter.io/ios/app/pcfcu-mymobile-app/id6477494733/reviews)** |
| Number of ratings | **19K** | 1.6K |
| Positive reviews | 18.8% of reviews | **55.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 86 MB | 198 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Fiserv, Inc](https://appshunter.io/developer/386678214) | [Pinal County Federal Credit Union](https://appshunter.io/developer/970204519) |

## 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


### PCFCU MyMobile App

[App page](https://appshunter.io/ios/app/pcfcu-mymobile-app/id6477494733)

Manage your personal finances with this secure and fast mobile tool. Organize transactions with tags and notes, set balance alerts, and make payments or transfers easily. Deposit checks with a photo and find nearby branches and ATMs.

**Highlights:** Organize transactions with tags, notes, and photos, Set custom balance alerts, Make payments and transfer money, Deposit checks via photo, View and save monthly statements, Find branches and ATMs, Aggregate financial accounts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 👍 Smooth and nice UI
- 👍 Lets you manage account from phone

**What reviewers complain about**

- 🐛 Mobile deposits delayed
- 🐛 App rarely works correctly
- 🐛 New app is a disaster
- 🐛 Can't see current balance or load everything

**Reported bugs**

- Can't deposit checks
- Can't make payments through app
- New app doesn't show up on phone

**Requested features**

- Order replacement card without calling
- See more detailed transactions on credit card


## Frequently asked questions

### Is CardValet free?

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

### Is PCFCU MyMobile App free?

PCFCU MyMobile App is free to download, with no in-app purchases.

### Which has better reviews, CardValet or PCFCU MyMobile App?

PCFCU MyMobile App is rated higher. CardValet averages 4.6 out of 5 from 19K ratings, while PCFCU MyMobile App averages 4.8 from 1.6K ratings.

### Do CardValet or PCFCU MyMobile App have ads?

Neither CardValet nor PCFCU MyMobile App shows ads.

### Which is updated more often, CardValet or PCFCU MyMobile App?

CardValet ships an update every 4 months, and PCFCU MyMobile App monthly. Most recently, CardValet was updated on November 1, 2026 and PCFCU MyMobile App on October 30, 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.*