# Credit.com vs Capital One CreditWise

The clearest difference is ratings volume: Capital One CreditWise at 311K against Credit.com's 7.2K. Capital One CreditWise also leads on review sentiment (49% vs 31%) and update cadence (fortnightly vs every 2 months). Credit.com's advantage is device support (3 vs 1) and iOS requirement (13 vs 17.0). 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.

On the App Store both sit at effectively the same score — 4.7 for Credit.com against 4.8 for Capital One CreditWise. That said, the two scores are not equally well evidenced: Capital One CreditWise has 311K ratings behind it against 7.2K, so its average is the more settled of the two. Written reviews are what separate them: 31% of Credit.com's written reviews are positive against 49% of Capital One CreditWise's.

Credit.com ships an update every 2 months, Capital One CreditWise fortnightly. The most recent releases landed on November 11, 2026 and November 12, 2026 respectively.

## The numbers

| Metric | Credit.com | Capital One CreditWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.2K ratings)](https://appshunter.io/ios/app/creditcom/id871022793/reviews) | **[4.8 (311K ratings)](https://appshunter.io/ios/app/capital-one-creditwise/id1008234539/reviews)** |
| Number of ratings | 7.2K | **311K** |
| Positive reviews | 30.6% of reviews | **48.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Best chart rank | — | **#129** |
| Size | 12 MB | 175 MB |
| Requires iOS | **13** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Credit.com](https://appshunter.io/developer/871022796) | [Capital One](https://appshunter.io/developer/339644101) |

## What reviewers say

### Credit.com

[App page](https://appshunter.io/ios/app/creditcom/id871022793)

Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.

**Highlights:** Free credit score and report summary, Track credit score changes, Personalized insights for financial improvement, Monitor for fraud and identity theft, View credit offer eligibility, Score history tracking

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Accurate and up-to-date information
- 👍 Easy to use and navigate
- 💡 Provides mortgage scores

**What reviewers complain about**

- 🐛 Login issues and app crashes
- 🔍 Limited credit report details
- 💸 Subscription required for full features

**Reported bugs**

- Unable to login or create an account
- App freezes or stops working after updates
- Inconsistent credit score updates

**Requested features**

- Fingerprint/biometric login
- More detailed credit report information
- Ability to dispute inaccuracies directly in the app


### Capital One CreditWise

[App page](https://appshunter.io/ios/app/capital-one-creditwise/id1008234539)

**Currently charting:** #129 Top Free · Finance (US App Store)

Monitor your credit score and report for free. Get insights into factors affecting your score, receive alerts for suspicious activity, and simulate financial decisions to understand their impact.

**Highlights:** Free FICO Score 8 access, TransUnion credit report, Dark web alerts, Credit Simulator, Score factor breakdowns, Improvement suggestions, Credit report change alerts

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful for credit monitoring
- 🚀 Comprehensive features
- 💡 Useful credit simulator
- 🔒 Secure app
- 👍 Easy to use

**What reviewers complain about**

- 🐛 Inaccurate credit score reporting
- 🐛 Delayed credit updates
- 🐛 Inconsistent credit score information
- 🐛 Unreliable credit simulator
- 🐛 Requires too much personal information

**Reported bugs**

- Account lockouts with no resolution
- Inability to update personal information
- Incorrect credit balance reporting

**Requested features**

- More frequent credit score updates
- Improved credit report dispute process
- Better integration with other credit monitoring services
- Expanded credit score simulation options


## Frequently asked questions

### Is Credit.com free?

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

### Is Capital One CreditWise free?

Capital One CreditWise is free to download, with no in-app purchases.

### Which has better reviews, Credit.com or Capital One CreditWise?

Capital One CreditWise is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while Capital One CreditWise averages 4.8 from 311K ratings.

### Do Credit.com or Capital One CreditWise have ads?

Both Credit.com and Capital One CreditWise show ads.

### Which is updated more often, Credit.com or Capital One CreditWise?

Credit.com ships an update every 2 months, and Capital One CreditWise fortnightly. Most recently, Credit.com was updated on November 11, 2026 and Capital One CreditWise on November 12, 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.*