# Amex vs MySynchrony

The clearest difference is ads: MySynchrony at none against Amex's shown. MySynchrony also leads on review sentiment (82% vs 63%). Amex's advantage is ratings volume (4.4M vs 112K). On price, rating, update cadence and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for Amex against 4.8 for MySynchrony. That said, the two scores are not equally well evidenced: Amex has 4.4M ratings behind it against 112K, so its average is the more settled of the two. Written reviews are what separate them: 63% of Amex's written reviews are positive against 82% of MySynchrony's.

Amex ships an update every 2 weeks, MySynchrony every 3 weeks. Both last shipped on October 17, 2026.

## The numbers

| Metric | Amex | MySynchrony |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (4.4M ratings)](https://appshunter.io/ios/app/amex/id362348516/reviews)** | [4.8 (112K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews) |
| Number of ratings | **4.4M** | 112K |
| Positive reviews | 63.1% of reviews | **82.2% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Best chart rank | **#23** | #25 |
| Size | 525 MB | 205 MB |
| Requires iOS | 18.2 | **18** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [American Express](https://appshunter.io/developer/362348519) | [Synchrony Financial](https://appshunter.io/developer/989262152) |

## What reviewers say

### Amex

[App page](https://appshunter.io/ios/app/amex/id362348516)

**Currently charting:** #23 Top Free · Finance (US App Store)

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

**Highlights:** Secure account management, Track spending and rewards, Pay bills and manage balance, Card activation and Apple Pay setup, Freeze/unfreeze credit card, Real-time alerts and notifications, Discover personalized offers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🤖 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

**Reported bugs**

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

**Requested features**

- 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


### MySynchrony

[App page](https://appshunter.io/ios/app/mysynchrony/id1280992496)

**Currently charting:** #25 Top Free · Finance (US App Store)

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

**Highlights:** Manage credit cards in one place, Secure biometric login, Schedule and manage payments, Check balance and credit limit, Review transaction history, Access partner deals and offers, Financial education blog

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 User-friendly
- 👍 Convenient
- 👍 Streamlined payment process
- 👍 Helpful for managing multiple accounts

**What reviewers complain about**

- 🐛 App crashes or freezes
- 🐛 Login issues
- 🐛 Inconsistent account information
- 🐛 Difficulty adding or managing accounts
- 🐛 Unreliable payment processing

**Reported bugs**

- Delayed payment updates
- Incorrect account balance information
- Compatibility issues with older devices
- Inability to remove closed accounts from the app

**Requested features**

- Ability to view all accounts in one place
- Option to set up automatic payments
- More detailed transaction history
- Improved notification system
- Ability to update personal information within the app


## Frequently asked questions

### Is Amex free?

Amex is free to download, with no in-app purchases.

### Is MySynchrony free?

MySynchrony is free to download, with no in-app purchases.

### Which has better reviews, Amex or MySynchrony?

Amex is rated higher. Amex averages 4.9 out of 5 from 4.4M ratings, while MySynchrony averages 4.8 from 112K ratings.

### Do Amex or MySynchrony have ads?

Amex shows ads; MySynchrony does not.

### Which is updated more often, Amex or MySynchrony?

Amex ships an update every 2 weeks, and MySynchrony every 3 weeks. Most recently, Amex was updated on October 17, 2026 and MySynchrony on October 17, 2026.

### Which is more popular, Amex or MySynchrony?

Amex currently peaks at #23 in the App Store charts, and MySynchrony at #25. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*