Best Retail Credit Apps

247+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated October 2026

Whether you're new to retail credit or looking for an upgrade, our curated collection of 247+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Retail Credit Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Square: Retail Point of SaleSquare: Retail Point of SaleFree4.7★ (14K)NoNoOct 2026
2Discover MobileDiscover MobileFree4.9★ (5.2M)NoNoOct 2026
3Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (22K)NoNoOct 2026
4Walmart: Shopping & SavingsWalmart: Shopping & SavingsFree4.8★ (19M)YesNoOct 2026
5Square Point of Sale (POS)Square Point of Sale (POS)Free4.8★ (606K)NoNoOct 2026
6JCPenney – Shopping & CouponsJCPenney – Shopping & CouponsFree4.7★ (519K)NoNoOct 2026
7Fortiva Account CenterFortiva Account CenterFree2.1★ (82)NoNoOct 2026
8Atlas - Rewards Credit CardAtlas - Rewards Credit CardFree4.7★ (285K)NoNoOct 2026

Top Picks for Retail Credit

Square: Retail Point of Sale#1

Square: Retail Point of Sale by Block, Inc.

Payment, Inventory Management
Editor's Choice
💼 Business
4.7😐(14K ratings)
Free
Square: Retail Point of Sale screenshot 1
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Square: Retail Point of Sale screenshot 6

This app provides a comprehensive point-of-sale system for retail businesses. It allows you to accept payments, manage inventory across multiple locations, track customer data, and manage employee timecards. Seamlessly integrate in-store and online sales for a unified business operation.

What We Love

  • 🚀 Convenient
  • 🚀 Easy to use
  • 🚀 Helpful cash management
  • 🚀 Seamless system
  • 🚀 Powerful and feature-rich
  • 🚀 Great for small businesses
  • 🚀 Transforms business operations

Room to Improve

  • 🐛 Buggy updates and issues
  • 🔍 Lacking in functionality
  • 🔍 Cumbersome inventory management
  • 🔍 Inconsistent user experience
  • 🔍 Poor customer service
  • 🔒 Account deactivation concerns
  • 💰 High fees and costs
Discover Mobile#2

Discover Mobile by Discover Financial Services

Banking and Finance
Strong Contender
💰 Finance
4.9😐(5.2M ratings)
Free
Discover Mobile screenshot 1
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Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

What We Love

  • 👍 Excellent customer service
  • 🚀 Smooth and easy-to-use app
  • 💳 Great credit card with rewards
  • 🔒 Secure and reliable
  • 💳 Helpful for building credit
  • 💳 Automatic credit line increases

Room to Improve

  • 🐛 App crashes and bugs
  • 🤖 Poor customer service and unresponsive to issues
  • 💳 Difficult to get credit limit increases
  • 💳 Unfair credit reporting practices
  • 💳 Holding funds hostage and difficult to access money
Perpay - Shop and Build Credit#3

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Worth Considering
💰 Finance
4.9😐(22K ratings)
Free
#76in Finance
Perpay - Shop and Build Credit screenshot 1
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Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

What We Love

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit
  • 💳 Convenient automatic payments
  • 🤝 Good customer service

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 Poor app performance and glitches
  • 📞 Lack of phone support
  • 🔁 Difficulty with returns and refunds

More Retail Credit apps to explore

FAQ about Retail Credit

What are the best retail credit apps for iPhone?
Square: Retail Point of Sale tops our retail credit apps ranking as of October 2026, with a 4.7-star average from 14K App Store ratings, and it's free to download.
Yes — 20 of the top retail credit apps we rank are free to download, including Square: Retail Point of Sale and Discover Mobile.
Square: Retail Point of Sale has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 247+ retail credit apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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