Capital One CreditWise
81
Quality Score
Excellent
Capital One CreditWise
High confidence
✍️ 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 tier
💡 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
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Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
🤖Also on Android
$2.0K/mo · 115K ratings · 4.6★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$145K
↳ What it cost to build · not monthly revenue
Likely range $110K – $195K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Slow ROI — current MRR is well below build cost
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 (185 MB) | +$40K |
| ⚙ Finance complexity ×1.60 | +$54K |
Total estimate
$145K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$30K
↳ What it would sell for · not monthly revenue
Marketplace range $20K – $35K · 21× MRR multiple
💸
~0.2× 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 |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
| ⭐ Mature user base (100K+ ratings) | +5% |
Final multiple
21× MRR
👥 Estimated audience size
18.0M
Lifetime downloads (US-equivalent)
Monthly active
5.0M
Daily active
2.0M
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 |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🔬
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 · 52/100MID TIERunderperforming peersRevenue Strength
3.7
Product Quality
9.7
Market Position
0.3
Growth Velocity
5.0
Defensibility
6.0
Operational Safety
10.0
Founder Strength
5.7
Monetization Maturity
1.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.84★ across 305,354 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: dev shipping weekly.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 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 ($9K/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 · v1.152.0
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
- Explore Capital One’s Banking and Financial Services
- Description
- Learn how banking with Capital One can help you meet your financial goals.
- Founded
- 1994-07-21
- HQ / Address
- McLean
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $1.3K/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.
✨AI Revenue EstimateCONFIDENCE: HIGH
The Capital One CreditWise app is a free credit monitoring tool and does not generate direct revenue through in-app purchases or subscriptions. It serves as a customer acquisition and retention tool for Capital One's broader financial services.
Sources mentioned: Business Insider, SoFi, Sensor Tower, LendEDU (Medium), Capital One (FAQ), Capital One (Website), Companies Market Cap, Capital One Financial Corp. (Press Releases), Trefis, Reddit
📈Ratings growth305,890 ratings+36% lifetimeShow 3-year history estimate ▾
Tracked (46 weeks) Pre-tracking estimate (34 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.
🚀Version Release Timeline3 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. That's why CreditWise is completely free. Plus, using it won't hurt your credit score and you won't ever be asked to enter a credit card number.
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.… 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. That's why CreditWise is completely free. Plus, using it won't hurt your credit score and you won't ever be asked to enter a credit card number.
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.… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 185 MB🔞 4+📱 iOS 17.0+🔖 v1.152.0🔄 updated 0d ago🌐 EN, ES📂 Finance💰 Paid
📅
What Worked™ · Development Pipeline
13 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 →
2026-05
🔧
Shipped update — v1.150.0 → v1.151.0
2026-05
🔧
Shipped update — v? → v1.150.0
2026-04
⭐
Rating ↑ 3.41 → 4.84 (improved 1.43★)
2026-04
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
2023-04
📈
Crossed 100 ratings — social-proof flywheel kicking in
2023-01
📈
Crossed 50 ratings — social-proof flywheel kicking in
2022-09
📈
Crossed 10 ratings — social-proof flywheel kicking in
2022-09
⭐
Rating ↓ 3.83 → 3.43 (dropped 0.40★)
2022-08
⭐
Rating ↑ 3.00 → 3.50 (improved 0.50★)
2022-08
⭐
Rating ↑ 2.50 → 3.00 (improved 0.50★)
2022-08
🚀
First tracked snapshot — initial data captured
2022-08
⭐
Rating ↑ 1.00 → 2.50 (improved 1.50★)
🔎
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
🔔
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📝 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 summaryINDIE studio
3apps·$9K/mocombined
Lead-app heavy — top app contributes 72%
About this analysis
Why high confidence: 305,354 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 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 $1.3K/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.
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.
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.