4.77★ from 2,761,458 ratings · version 26.08.0 · 20 of the last 54 written reviews are one or two stars
App frequently down for maintenance
3of the 20 read·15%
Users report the app constantly displays a maintenance message and is unavailable most of the time, making it unusable.
›read 3 of these reviews
“Latest update broke it — Even with a fresh reinstall, I get a maintenance message 24/7.” — ★☆☆☆☆“Why is it always down for maintenance?? — I open this app like twice a week and usually am met with that message. How can an app need this much maintenance. Literally what is the purpose of having the app at all if I can’t use it most of the time due to it being constantly down.” — ★☆☆☆☆“Always down for maintenance — Trash app. Do better.” — ★☆☆☆☆
Unexpected annual fees charged
3of the 20 read·15%
Customers were surprised by annual fees ($95, $8.25) charged without clear disclosure or notification beforehand.
›read 3 of these reviews
“Annual fee — I haven’t even used this card yet but got hit with 95$ annual fee didn’t see that an will be shutting this off” — ★☆☆☆☆“Annual Fee — Why are you charging me 8.25?annual fee..I paid this credit card off” — ★☆☆☆☆“Fees — The fees aren’t worth it, annual fee, plus transaction fees. Not worth it.” — ★☆☆☆☆
Excessive fees and interest rates
3of the 20 read·15%
Customers report exorbitant interest rates, excessive transaction fees, and overall poor value compared to other credit cards.
›read 3 of these reviews
“High interest — I appreciate the ability to open a card to help rebuild my credit but the fees and interest is terrible.” — ★★☆☆☆“Worst — These guys are scam. Charge ya 70$ when you use the card then bill ya before a month is even up trying to overdraft your account and they held on to my old banking information for years after closing your account felony in my state. I will be closing my account asap” — ★☆☆☆☆“Intentional difficulty — Site only gives the information they want you to have at that moment. Sometimes it’s hard to navigate my card is no longer active and I could not find anything about that on the site. I had to call to find out amongst other things the interest rate is exorbitant that’s a given” — ★☆☆☆☆
Apple publishes the most recent written reviews, up to five hundred, and that is what was read — not a search for bad ones. Why so many of them are angry. The complaints above come from the 20 most recent negative ones. Newest review 3 days ago (05.09.2026), last collected 2 days ago.