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

Amex vs Chase Mobile®

Amex 4.9★ · Free to download 75
Winner Amex
Chase Mobile® 4.8★ · Free to download 60

Amex generally offers a more polished app experience and stronger customer service, making it the better choice for users prioritizing these aspects, despite some recent declines in customer protection and card benefits.

Full reviews: Amex · Chase Mobile®

Amex and Chase Mobile® both offer banking apps with high lifetime ratings, but recent reviews highlight differing strengths and weaknesses. Amex users praise its clean interface and responsive customer service, while Chase Mobile® is noted for convenience but faces criticism for app functionality and customer support issues.

Head to head

App Interface and Ease of Use edge: AmexR2R16R18R27
Amex Amex users frequently praise its clean interface, easy navigation, and overall frictionless experience, though some recent updates have been criticized for making it harder to see payments or find digital gift cards R2R16R18R27. The app is also noted for fast Face ID login and a useful search bar .
Chase Mobile® Chase Mobile® is described as convenient and user-friendly by some , but many users report issues with recent updates, including difficulty seeing balances, font size changes, and an endless loop for Face ID login . Some find it not very user-friendly or difficult to navigate .
Customer Service and Support edge: AmexR1R2R6R7
Amex Amex receives high praise for its customer service, with users calling it the best and noting responsive staff and easy-to-use chat support where conversation history is saved R2R8. However, some recent reviews indicate a decline in customer protection and frustrating experiences with dispute resolution, where they can't reach the relevant department or feel unheard R1R6R7.
Chase Mobile® Chase Mobile® users report significant issues with customer service, describing it as useless or horrible . Specific complaints include an inability to bypass ID verification for Zelle, difficulties with adding external accounts, and a lack of live chat support . Some users do feel that customer service people care about their well-being .
Reliability and Account Management edge: AmexR7R9R13R19
Amex Amex is generally seen as reliable, with users appreciating features like alerts and the ability to link multiple accounts R19. However, some users report issues with payments taking too long to process, unexpected credit limit changes (both increases and decreases), and difficulties with refunds R7R9R13.
Chase Mobile® Chase Mobile® users face reliability issues such as the app stalling, not logging in, or logging out frequently . There are also complaints about credit limit reductions for paying off bills early, difficulty with check capture, and issues with digital wallets not blocking cards effectively . Deposits are sometimes held for extended periods .
Features and Benefits edge: AmexR3R8R11R15
Amex Amex is praised for its points-earning potential for vacations and business expense tracking R8R11. However, users express frustration with the complexity of optimizing perks, lack of transparency on reimbursements, and issues with lounge access codes R15. Some also desire year-round referral availability and more competitive high-yield savings APY R3.
Chase Mobile® Chase Mobile® users find the app lacking in benefits and advanced money management tools, desiring customizable spending tracking and improved travel search options . The Ultimate Rewards redemption process is described as clunky and prone to timeouts . A previously liked feature, linking Amazon purchase receipts, was removed .
Price/Value tieR10R15R28R40
Amex Amex users frequently mention high annual fees, with some feeling the associated perks no longer justify the cost R10R15R28. There are also complaints about high interest rates R40.
Chase Mobile® Chase Mobile® users complain about high predatory overdraft fees and high interest rates on credit cards . Some are also unhappy about monthly service fees .
Pick Amex if

You prioritize a clean, easy-to-use app interface and responsive customer support, even if some recent changes have caused minor frustrations R2R27. You value strong card benefits for travel and business, and are comfortable with potentially high annual fees R8R11.

Pick Chase Mobile® if

You are a long-time Chase customer who values the security and convenience of managing multiple accounts within one app, and you don't mind occasional app glitches or less advanced features .

Evidence note: Both apps have a large number of reviews, but recent negative feedback for both suggests some decline in user satisfaction despite high lifetime ratings. Amex's customer service receives both strong praise and strong criticism, indicating inconsistency.

Frequently asked

Which app has better customer service?
Amex generally has better customer service, with many users praising its responsiveness and helpful chat support R2R8. However, some recent Amex reviews indicate a decline in customer protection and frustrating experiences with dispute resolution R1R6R7. Chase Mobile® users frequently report useless or horrible customer service and a lack of live chat .
Is the Amex app easy to use?
Yes, the Amex app is generally considered easy to use, with users highlighting its clean interface, easy navigation, and frictionless experience R2R27. However, some recent updates have made it harder for a few users to see bill details or find digital gift cards R16R18.
Do Amex or Chase Mobile® users complain about fees?
Both Amex and Chase Mobile® users complain about fees. Amex users mention high annual fees and high interest rates R10R15R28R40. Chase Mobile® users complain about high predatory overdraft fees, high credit card interest, and monthly service fees .

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] Amex 5/5 · US Excellent: This is by far the best banking app. It has the cleanest interface and the most responsive staff.
  2. [R16] Amex 1/5 · US Why change?: This was much easier and cleaner looking prior to this way now you don’t know what’s paid or not, simplify it for idiots like me! This app is awful
  3. [R18] Amex 1/5 · US Let’s find a way to mess up a good app…: Horrible update. Used to be able to see what bill needed to be paid. Now it’s stupid icons and you have to open each transaction.
  4. [R27] Amex 5/5 · US Best app in banking: Always have a great experience using the AMEX app whether it is daily tasks or navigating something new. It is always a frictionless straightforward experience.
  5. [R1] Amex 1/5 · US Trying to resolve a disputed claim: The CS experience awful. You can only text them not knowing if you have reached a real person. You can’t talk with anyone in the the department that handles the claims. I sent a fax and asked if it was received and was told they have no way of reaching that department.
  6. [R6] Amex 3/5 · US Does not provide customer protection like before: Amex have the best customer protection and customer service is bar none about 5 years ago , amex does not provide customer protection as it used to
  7. [R7] Amex 1/5 · US American Express Keeps Your Refund: Beware of Missing Money: I’ve had a very disappointing experience with American Express. Whenever I purchase items using my American Express card and later return the goods, the refund is supposed to go back to my card. However, American Express never returns the money, and I have to chase them down to get it. Even though the store has fully refunded me, it seem
  8. [R9] 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.
  9. [R13] Amex 1/5 · US Do Not Care About Customer: I am simply a number. Decreased my limit twice over the past week. I was told the first time this was based off “their number calculations”, although I’ve never missed a payment in my 12 year history. Say my balances are too high. Lower my limits, lower my credit score, decrease my ability to recover and my feasibility to live. That credit line went from $6800 to $1000
  10. [R19] Amex 5/5 · US A card who cares: AX is my trusted card with alerts and benefits.
  11. [R3] Amex 3/5 · US Improvements Review to get 5 Stars: American Express is a great company, But I think referral should be available year-round For all eligible card members, regardless which card they have, instead of limited periods. Also, I’d like to see a higher APY on the High-Yield Savings to be more competitive with other banks.
  12. [R8] Amex 5/5 · US The best customer service: Love Amex! The difference in customer service is night and day compared to any other credit card Hands down the best I have several Amex cards but just received my business cards. Every expense from every employee is now dialed for easy accounting. Amex will always be the card available
  13. [R11] Amex 5/5 · US Best card out there: So many points earned is paying our vacations great card to have.
  14. [R15] Amex 3/5 · US Good if you travel. And are ok spending time optimizing perks: Could be more transparency with when/how things are reimbursed that are listed as credits. For example, Clear was supposedly included, but now I am paying for it. I really hate Clear. And they put enough red tape that it’s too difficult to undo. Was told to dispute it by Amex. On top of that the card itself costs almost 1k per year. An
  15. [R10] Amex 1/5 · US Bad card to use for business: I used love American Express Platinum business card and used it for most of my business use. But for last 2 years this card become one of the worst cards . High annual fee and we can’t even use it as needed . I will close this account as soon I have paid off the balance .
  16. [R28] Amex 1/5 · US Annual increase in membership fees and change of credit limit: The “perks” associated with having the card just is not worth the membership fee. Also, they will change your credit limit at anytime according to your relationship with other creditors with no warnings. There are so many other options out there than this card. It has truly changed over the years. Not worth it!
  17. [R40] Amex 1/5 · US High interest rate: Interes to high and minimum payment high too

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