Comparison

Discover Mobile vs Amex

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Discover Mobile

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

Highlights
  • Account balance and transaction viewing
  • Payment management and scheduling
  • Rewards redemption
  • FICO Credit Score access
  • Account freezing
  • Mobile check deposit
  • Secure messaging
Features
Currently charting
Read full description

You can manage your Discover credit card and bank accounts conveniently and securely from anywhere, using Discover’s Mobile App. Check your account balance, view your account info, make and edit payments, add your card into Apple Pay, manage your rewards, and more - all from your mobile device. FAST ACCOUNT ACCESS • Log in quickly with a 4-digit Passcode • Log in faster with Discover Touch ID, available for users with Discover passcode enabled on an eligible device – not supported on modified or jailbroken devices MANAGE YOUR DISCOVER CREDIT CARD ACCOUNT • Check your balance and available credit, and view or download monthly statements • View and search transaction activity • Make payments and edit or cancel pending payments • Redeem rewards, in any amount, as a statement credit towards your monthly bill, including your minimum payment due • Redeem rewards, in any amount, as an electronic deposit to your bank account • Redeem rewards for gift cards starting at only $5. Plus, get an added bonus on every card • Link your Discover card to your Amazon and PayPal accounts to make it easier to earn and pay with rewards for eligible purchases at checkout • View your FICO® Credit Score* for free and learn what it means to lenders *See FICO® Credit Score terms at Discover.com/FICO • Freeze or unfreeze your account to prevent new purchases, cash advances, and balance transfers • Add your card into Apple Pay to use for purchases in-store on eligible devices with iOS 9 • Send and receive messages from Discover Customer Service • View and edit your account profile • Activate a new card or report a current card as lost, stolen or misplaced • Use the Travel Notification feature to help ensure uninterrupted use of your card while traveling • Sign up to receive alerts about your account MANAGE YOUR DISCOVER BANK DEPOSIT ACCOUNT AND PERSONAL LOAN ACCOUNT • View account balances, summary and transaction history • Track account activity and schedule transactions • Transfer money • Pay bills • Deposit checks • Find ATMs - Nationwide ATMs available to use your Discover debit card • View statements • View and send secure messages • Make Personal Loan payments Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

Mobile Privacy Statement: https://www.discover.com/privacy-statement 

 Mobile Terms of Use:  https://www.discover.com/credit-cards/help-center/discover-terms-of-use.html

About

Amex

Manage your American Express accounts, track spending, and redeem rewards on the go. Access offers, freeze your card instantly, and get 24/7 customer support.

Highlights
  • Manage Cards, checking, and savings accounts
  • Freeze and unfreeze cards instantly
  • View and redeem rewards
  • Discover personalized offers
  • Track spending and view statements
  • Set up AutoPay
  • 24/7 customer service chat
Features
Currently charting
Read full description

The official American Express App for iPhone allows you to access and manage your Account from anywhere. Manage your Membership, explore offers, freeze your Card, and access customer service 24/7. Access your Cards, checking and savings accounts, and personal loans. Make the most of your Membership with the speed, security, and convenience of the Amex® App. Secure Account Management • Freeze and unfreeze your Card instantly. • Activate and confirm your Card. • Add Card Members to your Account. Rewards and Benefits • View your rewards balance and redeem rewards in the App. • Redeem Cash Back.* • Explore personalized ways to use points. • Refer friends and family to earn rewards.* Amex Offers • Discover offers for shopping, dining, travel, and more. • Find nearby offers on a map. • Get Amex Offers notifications on your device. Manage Your Spending • View your balance and transactions, and sort charges by amount or date. • Go paperless and review Account statements. • Set up AutoPay for monthly payments. • Check your spending power. Real-Time Alerts • Get purchase and fraud alerts. • Set payment reminders. • Manage notifications in the Account tab. 24/7 Customer Service • Chat with us anytime and revisit past conversations in the App. *Eligibility required. The American Express® App and its features are available only for eligible Card accounts in the United States. To log in, Card Members must have an American Express user ID and password or create one in the App. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. App Store is a service mark of Apple Inc. *To see the full Terms and Conditions, copy and paste the following link into your browser and scroll to the bottom of the page: https://amex.co/AmexApp-Terms

Screenshots

Discover Mobile4 screens
Amex4 screens

Verdict

The call

The clearest difference is ads: Discover Mobile at none against Amex's shown. Discover Mobile also leads on monetization model (free vs free with in-app purchases) and iOS requirement (16.1 vs 18.2). Amex's advantage is chart position (#27 vs #121). On price, rating, review sentiment and ratings volume there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Discover Mobile against 4.9 for Amex. Both are backed by a comparable volume of ratings — 5.3M and 4.5M respectively. Written reviews split almost evenly too, at 63% and 63% positive.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on November 11, 2026.

Scorecard4 real differences · 7 level
Discover Mobile versus Amex: the parameters behind the verdict, then further details
ParameterDiscover MobileAmex
PriceFreeFree
Rating4.9 (5.3M ratings)4.9 (4.5M ratings) — better
Positive reviews63.4% of reviews — better63.0% of reviews
Number of ratings5.3M — better4.5M
Update frequencyFortnightlyFortnightly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank#121#27 — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.1 — better18.2
Further details — not scored
Size190 MB536 MB
Age rating4+4+
DeveloperDiscover Financial ServicesAmerican Express

Customer experience

Discover Mobile

All ratings5,243,129 ratings
Positive97.4%
Neutral1.4%
Negative1.3%
Written reviews4,274 reviews
Positive63.4%
Neutral5.7%
Negative30.9%

Amex

All ratings4,455,513 ratings
Positive97.6%
Neutral0.9%
Negative1.5%
Written reviews3,516 reviews
Positive63.0%
Neutral4.2%
Negative32.8%

User reviews

Discover Mobile

From 5.3M App Store ratings

What we love

  • 👍 Excellent customer service
  • 🚀 Smooth and easy-to-use app
  • 💳 Great credit card with rewards
  • 🔒 Secure and reliable
  • 💳 Helpful for building credit

Room to improve

  • 🐛 App crashes and bugs
  • 🤖 Poor customer service and unresponsive to issues
  • 💳 Difficult to get credit limit increases
  • 💳 Unfair credit reporting practices
  • 💳 Holding funds hostage and difficult to access money

Amex

From 4.5M App Store ratings

What we love

  • 💳 Reliable credit card with good benefits
  • 🤝 Excellent customer service and support
  • 🚀 Seamless app experience
  • 📱 Convenient mobile app features
  • 💳 Prestigious card status and recognition

Room to improve

  • 🤖 Inconsistent or unhelpful customer service
  • 💳 Unexpected account changes or credit limit reductions
  • 🤔 Confusing or misleading policies/offers
  • 🕰️ Slow or delayed payment processing
  • 🔒 Security issues with closed accounts

Bugs and requests

Discover Mobile

Reported bugs

3 issues
  • App crashes on launch for some users
  • Inconsistent behavior when scheduling payments
  • Incorrect credit score reporting and account information

Requested features

4 requests
  • Allow more than 3 weeks of transaction history in the app
  • Improve login process and Face ID/Touch ID functionality
  • Provide more transparency and control over account settings
  • Enhance international usage and support

Amex

Reported bugs

3 issues
  • Scrolling glitches in the mobile app
  • Inconsistent display of account balances
  • Inability to view high-yield savings accounts

Requested features

5 requests
  • Improved rewards tracking and redemption
  • Integrated dispute submission and status tracking
  • Automatic offer activation based on transactions
  • Better account balance and payment information
  • Seamless integration between mobile app and website

In-app purchases

None

Discover Mobile

No in-app purchases

None

Amex

No in-app purchases

Questions

Is Discover Mobile free?
Discover Mobile is free to download, with no in-app purchases.
Is Amex free?
Amex is free to download, with no in-app purchases.
Which has better reviews, Discover Mobile or Amex?
Amex is rated higher. Discover Mobile averages 4.9 out of 5 from 5.3M ratings, while Amex averages 4.9 from 4.5M ratings.
Do Discover Mobile or Amex have ads?
Amex shows ads; Discover Mobile does not.
Which is updated more often, Discover Mobile or Amex?
Discover Mobile ships an update fortnightly, and Amex fortnightly. Most recently, Discover Mobile was updated on November 11, 2026 and Amex on November 11, 2026.
Which is more popular, Discover Mobile or Amex?
Discover Mobile currently peaks at #121 in the App Store charts, and Amex at #27. Chart position reflects recent download velocity rather than total install base.

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