# CardValet vs The Reckoner

The clearest difference is in-app purchases: CardValet at none against The Reckoner's 2. The Reckoner's advantage is update cadence (every 6 weeks vs every 4 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. The Reckoner sells 2 in-app purchases, starting at $2.00 per month. CardValet asks for nothing beyond the download.

CardValet ships an update every 4 months, The Reckoner every 6 weeks. The most recent releases landed on October 26, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | CardValet | The Reckoner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (19K ratings)](https://appshunter.io/ios/app/cardvalet/id849898083/reviews)** | — |
| Number of ratings | **19K** | — |
| Positive reviews | 18.8% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 6 weeks** |
| Monetization | Free | — |
| Size | 86 MB | 17 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Fiserv, Inc](https://appshunter.io/developer/386678214) | [Junior Varsity Enterprises, LLC](https://appshunter.io/developer/6781102826) |

## 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


### The Reckoner

[App page](https://appshunter.io/ios/app/the-reckoner/id6782426454)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| The Reckoner Pro | $2.00 | per month |
| The Reckoner Pro | $20.00 | per year |


## Frequently asked questions

### Is CardValet free?

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

### Is The Reckoner free?

The Reckoner is free to download, with in-app purchases available.

### Do CardValet or The Reckoner have ads?

Neither CardValet nor The Reckoner shows ads.

### Which is updated more often, CardValet or The Reckoner?

CardValet ships an update every 4 months, and The Reckoner every 6 weeks. Most recently, CardValet was updated on October 26, 2026 and The Reckoner on October 15, 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.*