The "test" mode is the unique feature Quizard provides that no other flashcard apps that I know of do, and it's the main reason why I chose Quizard, and why I always recommend this app to other language learners.
It is extremely useful when learning a language, especially one that has a very different spelling system, such as Hindi.
I even recommend it to Chinese learners, where they can enter Chinese characters using a hand-writing input method built in iOS.
Given that I usually use it to test spelling of vocabulary or short phrases, I don't find it too difficult to use, even on the phones.
As for the multi-line answers, I am trying to learn a programming language, and I hope to use flashcards to help me remember the syntax. It would be nice if I can include a snippet of multi-line code in the answer.
I concede that I do find it a bit difficult to use as I frequently need to switch to symbol mode and suppress automatic case change and auto correction.