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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Discover Mobile vs Amex

Discover Mobile 4.9★ · Free to download 65
Winner Amex
Amex 4.9★ · Free to download 75

Amex has a slight edge due to its generally more reliable app performance and highly praised customer service, despite some recent complaints, while Discover Mobile struggles with app glitches and payment processing issues.

Full reviews: Discover Mobile · Amex

Amex and Discover Mobile both offer highly-rated financial apps, but Amex generally provides a more seamless user experience and consistently praised customer service. Discover Mobile, while appreciated for its cash back and card designs, faces more frequent complaints about app glitches, payment processing, and customer support issues, particularly with recent changes.

Head to head

App Features & Ease of Use edge: AmexR2R9R11R13
Discover Mobile Discover Mobile users appreciate the app's smooth UI, ease of navigation, and clear display of cash back bonuses R2R11. However, many users report significant issues with the app not opening, being glitchy, or having a poorly put-together interface R9R13R15R39. Some also find the new update makes it harder to find transactions and struggle with facial recognition login R45.
Amex Amex users frequently praise their app for being easy to use, seamless, intuitive, and well-organized for tracking spending and making payments R76. However, recent updates have been criticized for making it harder to see billing dates and requiring users to open each transaction . Some users also report difficulty connecting external bank accounts or creating new accounts and issues with facial recognition .
Reliability & Performance edge: AmexR6R12R22R25
Discover Mobile Discover Mobile users report issues with payments being held for review R25, taking 10 days to process R6, and even overdrafting bank accounts due to app errors R12. The app is also cited as being down for maintenance frequently, making accounts inaccessible R22, and some users experience fraudulent transactions not being resolved .
Amex Amex users generally find the app reliable for monitoring transactions and making payments R76. However, some report payments remaining pending for a week, preventing card use R69, and issues with Apple Pay for large purchases leading to card blocks . The app is also noted for being slow to load at times .
Customer Service & Support edge: AmexR1R7R10R11
Discover Mobile Discover Mobile's customer service is praised by some for being helpful and allowing users to talk to a human R11. However, a significant number of users report horrible service, being blown off by representatives, and issues with fraudulent transactions not being addressed R1R7. There are also complaints about Discover not honoring promotional offers R10.
Amex Amex customer service is frequently lauded as awesome, fantastic, and the best, with users appreciating the ease of making changes through text support and effective transaction monitoring . Despite this, some users claim service has declined, with representatives lying, illegally charging, and not providing customer protection as before .
Card Benefits & Value tieR2R8R16R22
Discover Mobile Discover Mobile users appreciate the cash back rewards, balance transfer promos, and zero fees on their bank accounts R2R8. However, many are disappointed by high interest rates R16R24R41, low credit limits despite good credit scores R33R35, and accounts being closed without warning R28. Some also note that Discover is not accepted by as many retailers as Visa or Mastercard R22.
Amex Amex users value the card for building responsible credit , lounge access, and other travel perks . They also praise the benefits and flexibility . Conversely, many users complain about extremely high interest rates and minimum payments R87, annual increases in membership fees , and the company lowering credit limits or closing accounts without explanation .
Pick Discover Mobile if

Pick Discover Mobile if you prioritize straightforward cash back rewards and balance transfer promotions, and appreciate a simple, smooth UI when the app is functioning correctly R2R8R11.

Pick Amex if

Pick Amex if you value generally reliable app performance, excellent customer service for most users, and premium perks like lounge access, especially if you travel frequently .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both show a significant number of 1-star ratings, often related to app glitches, customer service, or account management issues. The free-to-download nature means all users, regardless of card tier, contribute to the review pool.

Frequently asked

Are there issues with logging in or app access?
Yes, Discover Mobile users frequently report the app not opening, being glitchy, or having difficulty with facial recognition login R9R15R39R45. Amex users also report occasional login issues, such as being logged out during a dispute or difficulty with facial recognition .
How do the apps handle payments?
Discover Mobile users report slow payment processing, sometimes taking 10 days for money to be taken out, and payments being held for review R6R25. Amex users generally find payments easy and fast, but some note that payments can remain pending for a week R69R76.
Do these apps have high interest rates?
Both Discover Mobile and Amex have users complaining about high interest rates. Discover Mobile users mention high interest rates even with good credit scores and that too much of their minimum payment goes towards interest R16R24R41. Amex users also report high interest rates and high minimum payments R87.
Are there issues with credit limits or account closures?
Yes, both apps have users reporting issues with credit limits and account closures. Discover Mobile users complain about low credit limits despite high credit scores, and accounts being closed without warning R19R28R33R35. Amex users also report their credit limits being lowered without warning and accounts being canceled or closed without explanation .

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] Discover Mobile 5/5 · US Best app: Unfortunately for all other people this card and the app are elite. The app is so beautiful and so smooth to use $ balance transfer promo was unbelievable. Get it now.
  2. [R9] Discover Mobile 3/5 · US App: Can’t open App for Capital One
  3. [R11] 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.
  4. [R13] Discover Mobile 1/5 · US very poor app: The app for Discover is very poorly put together.
  5. [R6] Discover Mobile 3/5 · US Banking Nightmare: There’s no option to pay with a debit card. The only option is through your bank account and they take 10 days sometimes to take the money out. I really with there was a quick pay option. I wouldn’t even care to pay a little extra for it.
  6. [R12] Discover Mobile 3/5 · US Major IT Issue: I spoke with customer service and billing today, and walking this up the Discover chain. First, the old Discover was fantastic. Since Cap One took over it is more like Dollar General vs. Harrod’s. I utilized the app to set up a one time payment and then autopay. Long story long, the app overdrafted my bank account. I was told, “unfortunately it takes three days for us to return you
  7. [R22] Discover Mobile 1/5 · US Closed and deleted: Beware, unlike Visa and Mastercard, which are accepted cirtually everywhere, many retailers do not take Discover. And the app is down for maintenance so often, you will not ne able to access ypur account several tomes per month.
  8. [R25] Discover Mobile 1/5 · US Payment: My payment was held for review randomly. Did not like this or agree with it. Husband, wife, mom, dad makes payments for individuals all the time.
  9. [R1] Discover Mobile 1/5 · US Lost money: They are the worse bank they lost my money a month ago and they still can’t find it they put there top team on it and they got lost I wouldn’t trust them as far I could throw them
  10. [R7] Discover Mobile 1/5 · US Scam support business: They support scammers
  11. [R10] Discover Mobile 1/5 · US $50 Discover reward bonus: No $50 Cashback Bonus offer for adding my son as a user to my Discover cc ending 8184. Here is the promo : “Just add an Authorized User & make a purchase by 12/31/2025” Discover would not honor & give me the $50 bonus because they said the offer was only for adding him as a User to my Discover cc ending in 1275. The only places where the offer showed it was for cc end
  12. [R8] Discover Mobile 4/5 · US DISCOVER YOUR LIFE: Using our Discover Card for our shopping excursions, getting gas, and picking up items at the Drug store. We earn cash back which in turn we use our bonus cash to help pay our monthly payment.!!!!
  13. [R16] Discover Mobile 1/5 · US Extremely high interest rate: Even with an outstanding credit score, their interest rates are ridiculous and unwilling to budge. Would not recommend!
  14. [R15] Discover Mobile 3/5 · US App Issues: App has been very glitchy
  15. [R39] Discover Mobile 1/5 · US Has issues: Never lets me log in, even after calling assistance
  16. [R45] Discover Mobile 2/5 · US Not recognizing my face: Difficulty logging into my account. The system is not recognizing my face and it’s frustrating.
  17. [R69] Amex 3/5 · US Timing of Payment to Go Through: A payment was made about a week ago and my payment is still pending and I am unable to use my card because it was used to the max last month.
  18. [R76] Amex 5/5 · US Service: Seamless. Easy to browse, pay, fast
  19. [R24] Discover Mobile 3/5 · US Too much interest: The card and credit are great but not enough of the minimum payment goes towards the amount owed. If I only make the minimum payment then my card never gets payed it all goes towards the interest accumulated each month.
  20. [R41] Discover Mobile 2/5 · US Interest rates: To high
  21. [R87] Amex 1/5 · US American Express sucks: American Express would charge you interest on a zero Balance. (0.0) Costco kicked out them out because I believe they cheated Costco. Customer service is in India so the holy cow will save your money.
  22. [R19] 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…
  23. [R28] 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.
  24. [R33] Discover Mobile 1/5 · US Meh: I have a 750 CS and I’m stuck with a $200 limit card that can’t even fill my gas tank & not exceed 30% optimization SO THE CARD IS USELESS! Raise my limit & I will change my rating. I have cards with $2,000+ limits so why use one with a $200 limit that you can only buy snacks with?
  25. [R35] 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