Seems like a scam.

This seems like a very good scam. Lets look at the points you should question before putting your money on the line for this app:

-Plenty of positive reviews that make a big deal obvious/mundane features of the app (on the "all versions" reviews; this review will probably be hidden back there soon too)?
-An app that lets you link your credit card WITH A PICTURE (scammers can completely and easily recreate your credit card with a picture of it, which is why no site or app does that!)?
-An app that lets you EASILY SEND MONEY?
-A financial app from a new startup company that offers LIVE SUPPORT (aka live telephone scammers for THEIR convenience) and NO FEES FOR TRANSACTIONS (if its too good to be true, it probably is)?

Maybe you could trust a well known and established company like Intuit for a dangerous app like this (which is still be skeptical about in the case of it being hacked), but I wouldnt trust my money with this noname company and its extremely suspicious app. Also, dont let the good looks of this app make you think its safe. As someone who works in IT, scammers are great at making believable looking sites and apps for scams.

The Taco Bell Dog about Circle Pay