Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Citi Mobile® vs Discover Mobile

Citi Mobile® 4.9★ · Free to download 65
Winner Discover Mobile
Discover Mobile 4.9★ · Free to download 75

While both apps have strong points, Discover Mobile generally offers a more reliable and user-friendly experience, particularly in customer support and core banking functions, despite some recent concerns about its acquisition by Capital One.

Full reviews: Citi Mobile® · Discover Mobile

Citi Mobile® users praise its ease of use for basic tasks but frequently report significant issues with app functionality, account setup, and customer service. Discover Mobile users highlight its smooth interface, good customer service, and rewards, though some recent reviews express concerns about glitches and the Capital One acquisition.

Head to head

Features and Functionality edge: Discover MobileR2R4R9R14
Citi Mobile® Many users find Citi Mobile® easy to use for checking charges and making payments R2R14. However, a significant number report issues with core features like transaction search not working R4, check deposit problems , and the app not displaying all transactions . Some also complain about frequent changes to the app's layout R9 and lack of iPad compatibility .
Discover Mobile Discover Mobile is praised for its smooth UI and ease of use for tracking and managing accounts R71. Users appreciate features like cash back bonuses . However, some recent reviews mention glitches , difficulty finding transactions after updates , and the inability to pay with a debit card .
Ease of Use and Reliability edge: Discover MobileR1R2R3R6
Citi Mobile® While some users find Citi Mobile® intuitive and easy R2, a substantial number report persistent reliability issues. These include the app hanging before login R3, terms and conditions pages closing instantly R6, login failures , and the app being non-functional for extended periods . New account and card activation are frequently cited as difficult and frustrating R1R6R12R13.
Discover Mobile Discover Mobile is generally seen as easy to navigate and reliable . Users appreciate its straightforward interface . However, some recent reviews indicate issues with the app not opening for a week , login difficulties , and occasional glitches .
Customer Support edge: Discover MobileR1R29R40R44
Citi Mobile® Citi Mobile® users frequently report extreme difficulty reaching human customer service, describing it as 'impossible' R1. Issues include being hung up on, long hold times, and unhelpful representatives R1R29. Some positive experiences mention quick dispute resolution R40R44 or helpful assistance for seniors .
Discover Mobile Discover Mobile receives praise for its customer service, with users specifically mentioning the ability to talk to a human R71R110. However, some negative experiences include being 'blown off' by representatives and issues with honoring promotional offers .
Price/Value & Rewards tieR11R23R24R33
Citi Mobile® Citi Mobile® users appreciate the rewards program and find the cards valuable R11R24. However, there are serious complaints about unexpected credit limit reductions R35, being charged high interest R23, and fees for early payments . Some users also feel the app is set up to 'scam people' regarding rewards R33.
Discover Mobile Discover Mobile is highly valued for its cash back rewards and balance transfer promotions . Users appreciate the 'zero fees' . However, some express disappointment with slow cash back accumulation and very high interest rates, even for users with excellent credit scores . There are also complaints about unexpected credit limit reductions R79R95 and accounts being closed without warning R88.
Pick Citi Mobile® if

you primarily need a simple app for basic tasks like checking balances and making payments, and you are comfortable with potentially navigating customer service challenges R2R14.

Pick Discover Mobile if

you prioritize a generally smooth and intuitive app experience with reliable customer service, and value good cash back rewards R71R110.

Evidence note: Both apps have a high lifetime rating, but recent reviews for Citi Mobile® show a higher concentration of severe functional and customer service issues. Discover Mobile also has recent negative reviews, particularly concerning interest rates and credit limit changes, and some users express concern about the Capital One acquisition.

Frequently asked

Is Citi Mobile® easy to use for new card activation?
No, many users report significant difficulties and frustration when trying to activate new cards or set up new accounts, citing issues like buttons leading back to the start, terms and conditions closing prematurely, and an inability to reach human support R1R6R12R13.
Does Discover Mobile have good customer service?
Yes, many Discover Mobile users praise its customer service, specifically highlighting the ability to speak with a human representative when issues arise R71R110.
Are there issues with credit limits or account closures for either app?
Both apps have users reporting unexpected credit limit reductions (Citi: R35; Discover: R79, R95) and account closures without clear warning (Discover: R88, ).

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] Citi Mobile® 5/5 · US User friendly: This app is so easy to use when checking charges or making payments. It only takes a minute to complete the task.
  2. [R4] Citi Mobile® 2/5 · US Filter/Search for transactions: This feature is not working anymore.
  3. [R9] Citi Mobile® 3/5 · US Just okay: The basics are fine. Once you need to make a term transaction with one of your accounts, the process has changed. Citi likes to rejigger the mobile app that once you get use to it, they change features that are now confounding and unnecessarily time consuming. It’s not to customers benefit as much as it is theirs. Leave well enough alone for crying out loud!
  4. [R14] Citi Mobile® 5/5 · US Easy and Quick: This card’s useage is easy to use and user friendly. The associated app is secure and intuitive; thank you for this.
  5. [R1] Citi Mobile® 1/5 · US No way to reach a human: It is impossible to activate a costco visa card. No way to reach a human via phone or web. AI hell says 'this card is not activated'. Uh huh we are TRYING to activate it. Then it hangs up. Then try to book a phone call. None available ever in WA (home of costco). Can't create mobile account to activate card because we can't activate the card. Catch 22. AVOID !!!!
  6. [R3] Citi Mobile® 3/5 · US Hang time: The app is great when I can get in. Most of the time, 90% or more, it just hangs when I try to get in - this is before I can even input my credentials. This is the only app that does that for me. I get the latest updates but nothing changes. So I always have to go through a browser which tries to send me back through the app. Really frustrating
  7. [R6] Citi Mobile® 3/5 · US Starting Out: I just downloaded the app to activate a credit card. Every button leads back to the starting page. And the terms and conditions keep closing after 1 second. How am I supposed to read the terms and conditions, or accept them, if the page closes before I can read anything? Very strange. Giving it 3 stars because I’ve barely experienced the app and other people seem to like it, but th
  8. [R29] Citi Mobile® 1/5 · US Do not use citi: Citi is by far the worst credit card company It is impossible to get a definitive answer from their customer service team. Not knowledgeable on their products. They also randomly flag your account as fraud. Had this happen before I even got my card.
  9. [R40] Citi Mobile® 5/5 · US good service regarding dispute: I had a pretty simple dispute on something that has been canceled and I expected it to take weeks and weeks to resolve. It was resolved very timely. I’ve always think had to disputes and all the years, but I got great service.
  10. [R44] Citi Mobile® 5/5 · US Perks: Easy to use. Contested items quickly resolved. Accurate & legible.
  11. [R11] Citi Mobile® 5/5 · US Happy: Love my City Card!!!
  12. [R23] Citi Mobile® 1/5 · US Ripoff’s: This Bank charged me over $3000.00 only in interest on my Bestbuy credit card because interest free balance was left on my account they said I really don’t care anymore about my credit score I’m not going to pay a dime this suckers can go to hail.
  13. [R24] Citi Mobile® 5/5 · US Perfecta tarjeta: Una de las mejores tarjetas que tengo podría decir la mejor
  14. [R33] Citi Mobile® 1/5 · US App not functional for rewards it’s garbage: Set up to scam people
  15. [R12] Citi Mobile® 3/5 · US Account setup issues: It is really difficult to set up a new credit card account. It is not intuitive at all and the app was slow and not responsive.
  16. [R13] Citi Mobile® 1/5 · US Horrible: I’ve never had so many issues with a bank provider ever in my life. It took me forever to receive my first card (that I needed to register my account) and once I finally received my card, my first purchase attempt was blocked and my card became locked. Now after attempting to verify my card, it’s asking me verification questions I had never setup before. Mind you, I had just setup the ac
  17. [R71] Discover Mobile 5/5 · US They do the job + cool card designs: The UI is pretty good, the customer service works well, the card designs are really neat, and I haven’t had any hiccups.
  18. [R110] Discover Mobile 5/5 · US Simple and Useful.: This app is very helpful for tracking and it’s nice to talk to a HUMAN BEING when there’s a problem. Capital One better not mess this up.
  19. [R35] Citi Mobile® 1/5 · US Company policy needs improvement on credit availability: People be warned…. This bank will randomly reduce your credit limit. Never late payments, never over limit , always paid more than min. but my limit dropped with NO warning from $6600 to $1100. They reduced over $5000 Credit available I PAID THE BALANCE OFF THAT WEEK. They can’t have my business anymore.
  20. [R79] Discover Mobile 1/5 · US Service?: Went from 25k to 1k credit limit on my card. No red flags. Didn’t find out until I tried to use it. Maybe because I don’t use it enough I don’t know. Notification would have been nice. Small wonder they are getting swallowed up by Capital 1…
  21. [R88] Discover Mobile 1/5 · US No longer recommending: It’s nice to know they can just close your account without warning. Well, they claimed they sent a letter, but I never received anything. It was nice being a customer for almost 10 years, but I guess I just have to take my business elsewhere.
  22. [R95] Discover Mobile 1/5 · US Horrible service: I have had this card for years I am denied a limit increase every year even though I have a 765 credit score and make over 300,000 a year my limit is 500 I only keep it so it won’t lower my score by closing it

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store