American Express Credit Cards Mobile App Review
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The American Express mobile app has a user-friendly interface, allowing users to click through different options or scroll through old account statements with a few taps. It’s also easy to make payments and redeem rewards. The relatively simple layout of the app makes for a more intuitive user experience than American Express’ website, which has so many options it can feel overwhelming.
Features
The American Express app makes it easy to get an overview of your account, including seeing your total balance, available credit, rewards earned and savings offers. You can also interact with customer service, freeze or unfreeze a card, request a replacement card from the app, and more.
Login
Once you log in, either by manually entering your username and password or using Face ID, you’ll see an overview of your account. From there, select different options on the bottom of the screen to visit statements, membership (where you can find details about your rewards), offers and account information.
Security
Like the AmEx website, the app automatically logs you out after a period of inactivity.
If you misplace a card or suspect it might be stolen, you can freeze it with one tap on the app and ask to replace it. You can also check your FICO score from within the app and pull up a credit report by entering more information, including the last four digits of your Social Security number.
Payment options
From the app, you can pay your bill with your connected bank accounts. You also have the option of setting up automatic payments.
Within the app, you can opt to use "Plan It®" — or divide a transaction into monthly payments for a fixed monthly fee — by selecting "Create a Plan" next to the qualifying transaction. You'll choose from different plan options and see how much you'll pay each month. You can also select "Amex Send & Split," which lets you split AmEx purchases with other Venmo or PayPal users. You can receive payments as statement credits or send money with your card without incurring the typical transaction fees. Enrollment is required; terms apply.
You can add cards to several digital wallet options, including Apple Pay and PayPal.
Monitoring transactions
Under the "Statements" tab, you can scroll through recent purchases and look up older statements as well. You can also see available credit and use the "Spending power" tool, which allows you to confirm whether a purchase will be approved in advance. To do this, enter the amount you plan to spend, and the immediate answer can save you the embarrassment and hassle of having a transaction declined.
Rewards
Tap the "Membership" tab at the bottom of the screen and you’ll see a summary of your rewards earned on the card. If you have a card that earns Membership Rewards points, like The Platinum Card® from American Express, you can redeem your points for travel, shopping or gift cards in the app.
AmEx Offers
The offers tab allows you to view your available American Express Offers and add them to your card with one tap. Then, they will be applied to your eligible purchases. The app automatically pulls up nearby offers based on your location, if you allow your phone to share it with the app.
Customer support
Tap the "Account" tab at the bottom right of the mobile screen and scroll down to contact customer service. From there, you can enter a live chat, look up answers to frequently asked questions, call customer service or leave feedback. The web browser experience offers a different layout, but you’ll get access to the same features found on the app.
Drawbacks
Looking up your credit report prompts you to leave the app and enter AmEx’s website from within the app, which can lead to loading delays.
It can also be frustrating to get kicked out of the app for idleness when you get distracted in the middle of trying to complete a task.
Web browser vs. mobile app
If you want a one-stop shop where you can get an overview of your options, the website can offer it. The home screen provides many of the options you might need, such as checking your balance or reviewing statements. You'll also have more tabs to choose from if you need to review your rewards, benefits or other options. The mobile app provides some of these same features but requires you to bounce around to find them.
If you need assistance, both options offer an interactive customer service chat feature, but you’ll have to do some scrolling to find it. If you click the “Contact us” option (whether online or in the app), it will get you where you want to go.
Ratings
Ranked No. 1 out of 11 major credit card issuers — American Express earns the highest rank for U.S. credit card app satisfaction in the J.D. Power 2024 U.S. Credit Card App Satisfaction Study.
4.9/5 — Apple's App Store (rating as of May 2024).
3.9/5 — Google Play Store (rating as of May 2024).
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