Capital One CreditWise
81
Quality Score
Excellent
✍️ Bumetric analysis
“
Capital One CreditWise is an iOS app from Capital One in the Finance category, currently rated 4.8★ across 305,354 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 81: Excellent (strong product-market fit). For a Finance app, that means strong product-market fit. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tierFREE
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
234 snapshots on record
Rating
4.8
Reviews
305,354 reviews
Forecast Revenue / mo
$5.0K
Snapshots tracked
234
since Aug 2022
🤖Also on Android
$275/mo · 116K ratings · 4.6★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$210K
↳ What it cost to build · not monthly revenue
Likely range $160K – $285K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~3.5y at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (165 MB) | +$40K |
| ⚙ Finance complexity ×1.60 | +$54K |
| ⚙ 10.9y maintenance × ~1-person team | +$65K |
Total estimate
$210K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$125K
↳ What it would sell for · not monthly revenue
Marketplace range $100K – $150K · 25× MRR multiple
💸
~0.6× build cost (under-water)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 10.9y proven track record | +20% |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
| ⭐ Mature user base (100K+ ratings) | +5% |
Final multiple
25× MRR
👥 Estimated audience size
12.5M
Lifetime downloads (US-equivalent)
Monthly active
1.6M
Daily active
640K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 10.9y of rating accumulation | -30% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 60%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 165 MB |
| 🏷 Category context | Finance |
| 📦 Mid-large iOS bundle | → Likely native Swift / UIKit (pre-2020 era) |
💀 Maintenance status
Active
5%
Last shipped 2026-08-31 · 26 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 26 days since last update | Active development |
Verdict
Active
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 45/100MID TIERFREE (NO MONETIZATION)underperforming peersGrowth Velocity
5.0
Founder Strength
5.6
Product Quality
8.2
Revenue Strength
3.7
Monetization Maturity
0.5
Defensibility
6.0
Market Position
0.3
Operational Safety
6.6
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.84★ across 305,354 reviews — strong (top 10%).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Moderate — scam/fraud mentions detected, rating drift -1.74 ★ (recent 50 vs lifetime).
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K. Portfolio play ($8K/mo combined) commands premium.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 10 of 10 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| High install base (305,354 ratings)METRIC | +$12,000 | |
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| securityREVIEW | +$1,800 | |
| cancelledREVIEW | −$1,500 | |
| excellent appREVIEW | +$1,500 | |
| Mature app (10y old)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v1.157.0
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
We made some performance improvements to make your experience better throughout the app.
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Capital One CreditWise
- Developer
- Capital One
- Bundle ID
- com.capitalone.credittracker2
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- EN, ES
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $5.0K/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth308,878 ratings+62300% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
🚀Update Frequency · Releases per Quarter8 releases tracked
🚀Version Release Timeline8 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
CreditWise is a free credit monitoring tool that could help you improve your credit score.
We believe in empowering people with the tools to effectively monitor and manage their credit, no matter where they are in their credit journey. Using CreditWise won't hurt your score.
With CreditWise, you'll have free access to your FICO® Score 8 and TransUnion® credit report—plus targeted advice, tools and alerts to help you monitor your credit. You'll also get free access to dark web alerts to help you take action when your information is detected somewhere suspicious.… View full description on the official store →
We believe in empowering people with the tools to effectively monitor and manage their credit, no matter where they are in their credit journey. Using CreditWise won't hurt your score.
With CreditWise, you'll have free access to your FICO® Score 8 and TransUnion® credit report—plus targeted advice, tools and alerts to help you monitor your credit. You'll also get free access to dark web alerts to help you take action when your information is detected somewhere suspicious.… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 165 MB🔞 4+📱 iOS 17.0+🔖 v1.157.0🔄 updated 3w ago🌐 EN, ES📂 Finance💰 Paid🚀 Launched 2015 (10y old)
📅
What Worked™ · Development Pipeline
25 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-09
📸
Updated 2 store screenshots
2026-08
🔧
Shipped update — v1.155.0 → v1.157.0
→ 30 days after: reviews +1,179 medium · co-occurring
2026-07
🔧
Shipped update — v1.154.0 → v1.155.0
→ 30 days after: reviews +234 medium · co-occurring
2026-07
🔧
Shipped update — v1.153.1 → v1.154.0
→ 30 days after: reviews +353 medium · co-occurring
2026-07
🔧
Shipped update — v1.153.0 → v1.153.1
→ 30 days after: reviews +1,053 medium · co-occurring
2026-06
🔧
Shipped update — v1.152.0 → v1.153.0
→ 30 days after: reviews +1,106 medium · co-occurring
2026-06
🔧
Shipped update — v1.151.0 → v1.152.0
→ 30 days after: reviews +1,642 high confidence
2026-05
🔧
Shipped update — v1.150.0 → v1.151.0
→ 30 days after: reviews +645 high confidence
2026-05
🔧
Shipped update — v? → v1.150.0
→ 30 days after: reviews +2,438 high confidence
2026-04
⭐
Rating ↑ 3.41 → 4.84 (improved 1.43★)
→ 30 days after: reviews +1,956 high confidence
2026-04
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +1,956 high confidence
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$1.3K/mo · rating +1.43★ · reviews +302,809 high confidence
2023-04
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: rating +0.05★ · reviews +12 medium · co-occurring
2023-04
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.13★ · reviews +26 medium · co-occurring
2023-01
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +9 high confidence
2023-01
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +18 high confidence
2022-09
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating +0.29★ · reviews +7 medium · co-occurring
2022-09
⭐
Rating ↓ 3.80 → 3.46 (dropped 0.34★)
→ 30 days after: rating +0.29★ · reviews +7 medium · co-occurring
2022-09
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.05★ · reviews +15 low · multiple changes
2022-09
⭐
Rating ↓ 3.83 → 3.43 (dropped 0.40★)
→ 30 days after: rating −0.05★ · reviews +15 high confidence
📸
Store Page History
2 SCREENSHOT CHANGESEvery time a developer swaps a store screenshot we archive both versions. Compare side-by-side to see what messaging / visuals changed.
iPhone screenshots
Slot 4
2 ver.
2 ver.
2026-08-06
2026-09-05
Slot 5
2 ver.
2 ver.
2026-08-06
2026-09-05
🔎
ASO Keyword Positions
BEST RANK #5Ranked for 1 App Store search query in our last keyword sweep. Lower position = closer to the top.
credit score·#5🇺🇸
Last sweep: 2026-05-19 · iTunes Search API
🗣
Voice of Customer
Based on 150 reviews across 1 markets● 63% positive · ● 11% neutral · ● 26% negative · Rating drift: -1.74★ (declining — recent 50: 3.1★ vs lifetime: 4.84★)
VADER compound sentiment per quarter (−1 = fully negative, +1 = fully positive). Each point ≥ 5 reviews.
Top praise themes
credit score ×10 credit wise ×9 fico score ×4 credit card ×3 thanks ×7 info ×6 lenders ×6 see ×6
Top complaint themes
credit score ×18 credit wise ×9 score went ×4 went points ×4 credit cards ×4 incorrect score ×3 credit card ×3 check credit ×3
Risk signals
Refund mentions: 0.7% Fraud / scam mentions: 0.7%
🔔
Track this app’s revenue
FREEGet an email when revenue moves by your threshold. No spam, unsubscribe in one click.
📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Capital One CreditWise: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by Capital One
View all →📦 Portfolio summaryMID studio
3apps·$610K/mocombined
⚠ Concentrated — top app contributes 98% of combined revenue (single-app dependency)
About this analysis
Why high confidence: 305,354 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does Capital One CreditWise make per month?▴
Based on our ML-calibrated revenue forecast, Capital One CreditWise earns approximately $5.0K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is Capital One CreditWise profitable?▴
With estimated build cost $210K and monthly revenue $5.0K, Capital One CreditWise looks slow ROI — payback period is around 3.5 years at the current run-rate. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does Capital One CreditWise have?▴
Estimated audience: ~12.5M lifetime downloads, ~1.6M monthly active users, and ~640K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like Capital One CreditWise?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is Capital One CreditWise built with?▴
Our heuristic places Capital One CreditWise on the Native iOS (Swift / UIKit) stack (Medium confidence, 60%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is Capital One CreditWise still actively maintained?▴
Maintenance status: Active (5% abandonment risk). Last shipped version was 26 days ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would Capital One CreditWise sell for?▴
Estimated acquisition value: $125K (marketplace range $100K – $150K). Calculated as 25× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was Capital One CreditWise last updated?▴
Capital One CreditWise last shipped a new version on 2026-08-31 — less than a month ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes Capital One CreditWise?▴
Capital One CreditWise is published by Capital One on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Capital One CreditWise's BU Score?▴
Capital One CreditWise has a BU Score of 81/100 (Excellent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.