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

Ameriprise Financial vs Amex

Ameriprise Financial 4.9★ · Free to download 40
Winner Amex
Amex 4.9★ · Free to download 85

For managing credit cards and general financial transactions, Amex is the clear winner due to its user-friendly app and strong customer service, while Ameriprise Financial's app struggles with basic functionality and security features.

Full reviews: Ameriprise Financial · Amex

Amex offers a highly rated, user-friendly app for managing credit cards, payments, and rewards, with many users praising its ease of navigation and excellent customer service. Ameriprise Financial's app, while appreciated by some for its financial advisor support, is frequently criticized for its clunky interface, problematic two-factor authentication, and limited functionality compared to its website.

Head to head

Ease of Use & Interface edge: AmexR1R9R14R21
Ameriprise Financial Ameriprise Financial's app is frequently criticized for being disorganized, poorly presented, and less functional than its website R1R35. Users report difficulties finding basic information like how to make deposits or view investment performance R9. Some also find the app cumbersome, especially on iPad where it's forced into landscape mode R21. However, some users find the app easy to use and appreciate features like OmniView R14.
Amex Amex users widely praise the app for being easy to navigate, straightforward, and user-friendly . Many find the layout organized and simple to understand, making it easy to view balances, make payments, and check rewards . However, some recent updates have been criticized for making it harder to see billing dates or requiring more clicks to view transactions .
Security & Authentication edge: AmexR4R6R7R12
Ameriprise Financial Ameriprise Financial's app has significant issues with its two-factor authentication (2FA) implementation. Users report problems with 2FA codes not being sent, the app not remembering trusted devices, and a lack of support for autofill or pasting authenticator codes R4R6R7R12. Many find the constant 2FA requirement, even with Face ID, frustrating and unnecessary . Face recognition has also stopped working for some after updates .
Amex Amex users generally find the app secure, with some appreciating its transaction monitoring and security features R75. While one user mentioned being logged out during a dispute and another complained about constant verification requests , these seem to be less widespread issues compared to Ameriprise Financial's systemic 2FA problems.
Features & Functionality edge: AmexR2R3R6R13
Ameriprise Financial Ameriprise Financial's app is criticized for missing key features and having limited functionality. Users cannot withdraw money directly to a bank account R6, access shareholder documents R3, or easily view detailed investment performance R15R18. Mortgage-related functions are also described as non-existent or poorly implemented R13. The app also has limitations like only allowing one device at a time R2 and restricted internal transfer times . Some users do appreciate the OmniView feature and the ability to see account activity R14.
Amex Amex's app is praised for its comprehensive features, including easy payments, balance viewing, and rewards checking . It's also noted for its travel services, such as lounge access perks . However, some users report issues with Apple Pay for large purchases and limited transaction history for credit cards . The app is also criticized for its large storage footprint .
Reliability & Performance edge: AmexR1R6R10R19
Ameriprise Financial Ameriprise Financial's app suffers from reliability issues, including login problems R1, 2FA codes not being sent R6, and accounts being lost after upgrades R10. Some users report the app jamming up their iPad or face recognition features failing after updates . One user described it as a 'work in progress' that needs faster updates R19.
Amex Amex's app is generally considered reliable, with users reporting no issues even when traveling overseas . While some users have experienced unexpected logouts or the app being a bit slow , these seem to be isolated incidents rather than widespread, systemic failures.
Customer Service & Advisor Support edge: Ameriprise FinancialR5R11R17R23
Ameriprise Financial Ameriprise Financial receives strong praise for its financial advisors and customer service, with many users highlighting specific advisors by name for their professionalism, helpfulness, and responsiveness R5R11R17R23. This suggests that while the app itself may be problematic, the human support is a significant strength.
Amex Amex is widely lauded for its excellent customer service, with users consistently describing it as 'amazing,' 'awesome,' and 'the very best' R75R83R87. Many users have been long-term customers, some for decades, emphasizing the consistent quality of service R83R87. However, one user reported difficulty reaching customer service for a refund explanation .
Pick Ameriprise Financial if

Pick Ameriprise Financial if you prioritize a strong relationship with a dedicated financial advisor and value personalized financial guidance, as many users praise the excellent support from their advisors R5R11.

Pick Amex if

Pick Amex if you primarily need a reliable, user-friendly app for managing credit cards, making payments, and accessing rewards, as its app is consistently praised for its ease of use and functionality .

Evidence note: The reviews for Ameriprise Financial frequently conflate the app's performance with the quality of their financial advisors, leading to some 5-star ratings for advisor service despite app issues. This makes it challenging to isolate app-specific sentiment.

Frequently asked

Is the Ameriprise Financial app easy to use for managing investments?
No, many users find the Ameriprise Financial app difficult to use for managing investments, reporting issues with disorganized information, poor graphical presentation, and difficulty accessing detailed performance data or tax lot information R1R15R18R35.
Does the Amex app have good customer service?
Yes, the Amex app is frequently praised for its excellent customer service, with many users highlighting responsive and helpful support R75R83R87R109.
Are there issues with two-factor authentication on the Ameriprise Financial app?
Yes, the Ameriprise Financial app has significant and frequent issues with its two-factor authentication (2FA), including codes not being sent, lack of support for autofill, and requiring 2FA even with Face ID R4R6R7R25.
Can I manage my mortgage through the Ameriprise Financial app?
No, users report that the Ameriprise Financial app is ineffective for managing mortgages, with no clear way to access documents, make payments, or perform other mortgage-related tasks R13.

What reviewers actually said

Built only from these 110 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. [R1] Ameriprise Financial 1/5 · US Vastly inferior to the website: Has trouble with my login (says I’m trying to change my user name) and once I’ve wrestled my way in, the information is disorganized and very poorly presented graphically. Used it once, deleted it. It added nothing the website didn’t do better.
  2. [R9] Ameriprise Financial 3/5 · US How to make deposits: Don’t know how to make deposits through app yet. I don’t see where I can do this plainly listed in the app. Any icon or anything?
  3. [R14] Ameriprise Financial 5/5 · US Easy to use App: I really enjoy using the app for all things financial. I’m also really enjoying the OmniView feature!
  4. [R21] Ameriprise Financial 3/5 · US Good…could be better: This App is pretty darn good. Works pretty much just like a normal web interface. My only pet peeve is the orientation of the App. On an iPad it HAS to be landscape mode. I never use my iPad that way and find it cumbersome and inconvenient. I wish the developers would add the option for portrait mode. Then I would give it 5 Stars.
  5. [R4] Ameriprise Financial 1/5 · US Trash 2FA implementation: Doesn’t remember trusted devices, doesn’t support authenticator autofill for iOS passwords app, doesn’t allow pasting authenticator codes, and doesn’t support Plaid integration. Cannot opt out of 2FA. Garbage.
  6. [R6] Ameriprise Financial 3/5 · US Some Limitations: The app requires MFA but frequently the text message with the code doesn’t get sent. You can’t withdraw money direct to a bank account as you can with E*Trade or other financial apps. You have to call your advisor. These two limitations make the app less user friendly.
  7. [R7] Ameriprise Financial 2/5 · US 2-Factor Authentication: I don’t want to use this app primarily because of the log in process. I have 2-factor authentication activated and for years I have been waiting for the ability to automatically insert the verification code from the iPhone Passwords app. For some reason, the developers make us have to open the Passwords app, search for the Ameriprise login info, copy the verification code,
  8. [R12] Ameriprise Financial 3/5 · US App 2FA Needs tags: The 2FA is lacking the metadata for my password app (Dashlane) to recognize the field should be filled in by the 2FA value. The keyboard is also set such that it won’t allow the password manager app to show so now I have to manually go out and enter the 2FA
  9. [R2] Ameriprise Financial 4/5 · US Only One Device at a Time: I like the app very much now. But if you specify your iPad as primary device you can't use it on your iPhone. This is stupid. Only financial app I have that does this. Fix.
  10. [R3] Ameriprise Financial 3/5 · US Shareholder Documents link gone: I can no longer access shareholder documents in either newest Android or iOS versions of the app.
  11. [R13] Ameriprise Financial 1/5 · US Mortgage Access: Literally the worst app ever there’s no clear way to access your mortgage documents, pay your mortgage or do anything related to your mortgage, even though it directs you to this app. As a developer myself this app is just trash for anything mortgage related.
  12. [R10] Ameriprise Financial 1/5 · US Bad upgrades: I had my accounts set up like I wanted them. They do an upgrade and I lose all my accounts I had attached to Ameriprise.. lousy service
  13. [R19] Ameriprise Financial 2/5 · US Work in Progress but progress needs to come a little faster: Let’s be more consistent about getting out app updates
  14. [R5] Ameriprise Financial 4/5 · US Great service: Tanveer has been a professional financial advisor.
  15. [R11] Ameriprise Financial 5/5 · US Mr. Pallazo: Neil Pallazo has done a great job handling my affairs at a difficult time for us. Much appreciated!
  16. [R17] Ameriprise Financial 5/5 · US Very Helpful: I had a very helpful and patient helper today! Thank you for providing great guidance.
  17. [R23] Ameriprise Financial 5/5 · US Top-Notch Business: We have been with Ameriprise for several years now. I find the employeees to be professional, efficient and personable. I always get my questions answered in a timely manner. Joe Enders has been terrific at guiding us through this new financial endeavor. A++
  18. [R15] Ameriprise Financial 3/5 · US Fix tax lot info: In the past, I could look at unrealized gains per equity and it would show tax lot information, purchased date/cost basis etc. It only shows the additional tax lot info now for realized gains. Please return the full information so I can make informed selling information on the unrealized gains equities.
  19. [R18] Ameriprise Financial 3/5 · US Suggestions: The app works well, but the graphs that are available could be more user friendly, and more information regarding holdings should be available. You cannot find how much you invested in an individual holding without scrolling back through the activity of your account.
  20. [R35] Ameriprise Financial 1/5 · US Terrible Investment App: Can’t even easily get a chart of how your individual stocks are performing. As others have said it takes about 10 clicks just to get some basic information. This is one of the least user friendly apps I have used. If I wasn’t forced to use the garbage app I definitely wouldn’t. Stay away from this if you can!
  21. [R75] Amex 5/5 · US Payments: Amex is effectively monitoring transactions and they’re contacting the customers with questions. Great service!
  22. [R83] Amex 5/5 · US The Very Best: American Express is the very best in terms of service, benefits, flexibility and usage. Satisfied customer for nearly 60 years.
  23. [R87] Amex 5/5 · US Awesome customer service: Customer over 25 years, AMX will never let you down!
  24. [R109] Amex 5/5 · US Chairman & CEO Sir. Jonathan Brown: This company is so amazing at helping all their clients / card holders. They go above and beyond.
  25. [R25] Ameriprise Financial 1/5 · US App Issues and Thievery: Ameriprise and this app are not good. Definitely go elsewhere for your financial needs. App constantly has 2FA issues.

Synthesized from 110 recent App Store reviews · updated July 2026 · View on the App Store