Comparison

Amex vs Capital One Mobile

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

Head to head
About

Amex

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
Currently charting
Read full description

The official American Express App for iPhone allows you to access your Account from anywhere. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex App. Touch ID and Face ID login (on supported devices), gives you quick, safe and secure access. Make the most of your Membership with the speed, security and convenience of the mobile Amex® App. SECURE ACCOUNT MANAGEMENT • Enhanced activation experience for you to confirm new Cards and setup your Account. • Activate your Credit Card for Apple Pay in the Amex App, then simply unlock, tap and pay. • Freeze and unfreeze your Credit Card instantly at any time. STAY ON TOP OF YOUR SPENDING • Check your American Express Account balance, pending transactions and sort charges by amount and date. • Go paperless with access to past PDF statements. • Turn on AutoPay to pay your Amex bill automatically from your bank account each month. • Check your spending power. Enter an amount for an expected purchase and you’ll see if it’ll be approved. Approval based on account status at the time of request • Filter transactions to see spending and subtotals for each card on your account. For Basic Card Members Only. PROTECTION WITH REAL-TIME ALERTS • Turn on purchase alerts to be notified when your Credit Card is charged. • Receive instant fraud alerts if suspicious activity is detected. • Never miss a payment with payment due reminders. • Manage all your notifications in the Amex Account tab. EXPLORE REWARDS AND BENEFITS • View your Rewards balance and find ways to use Membership Rewards® points* - from gift cards to credits on your statement. • Use points to cover your eligible charges via a credit on your Account. * • See personalized recommendations for other ways to use points. • Refer a friend and earn rewards when friends and family get an American Express Card through your referral. For eligible Card Members only. AMEX OFFERS * • Discover offers from places you shop, dine, travel and more. • Explore a map of nearby offers. • Get Amex Offers notifications direct to your device. MEMBERSHIP SCREEN* •Benefits apply only to applicable products. AWARD-WINNING SERVICE • We’re here to chat 24/7. Start a chat with us in seconds and revisit conversations any time in the app. We’d love to hear from you! Stay in touch with us using our social media pages: Twitter: @AmericanExpress Facebook: facebook.com/AmericanExpressUS/ Instagram: @americanexpress Send & Split® enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express app.* Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee§. You can also seamlessly split your Amex purchases with others and get paid back directly to your Card as a statement credit. Best Part? You’ll be the one to earn the rewards for the purchase you split. Enrollment Requirement. Terms Apply. § PayPal may charge a fee when sending to non-US recipients. The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-America Express issuers are not eligible. 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 For J.D. Power 2024 & 2025 award information, visit jdpower.com/awards.

About

Capital One Mobile

Manage your finances on the go with easy access to your accounts. View balances, pay bills, track credit, redeem rewards, and send money. Get instant alerts and lock your cards for added security.

Highlights
  • View account balances
  • Pay bills and loans
  • Monitor credit score
  • Redeem rewards
  • Send and receive money
  • Card activation and locking
  • Instant notifications
Features
Read full description

What’s on the Capital One Mobile app? All of your accounts, and so much more. Whether you’re out in the world or feeling right at home, you can manage your money with ease: - View balances and export statements - Pay bills and take care of loans - Check in on your credit with CreditWise - Activate a credit or debit card when you need it - Redeem rewards on the go - Send and receive money with friends and family using Zelle® With the Capital One Mobile app, you can ... - Stay informed when you enable alerts and purchase notifications - See everything that happens on your card with detailed transactions - Instantly lock your credit or debit card from anywhere - Get answers from Eno, your Capital One assistant Download the app for better banking with Capital One. Internet access is needed to use the mobile app. Check with your Internet service provider for details of specific fees and charges. Service outages may occur. Capital One customers are responsible for regularly checking their account statements. Push, email, and SMS alerts and notifications, including purchase notifications, must be enabled to be received. CreditWise monitoring and alerts may not be available if the information you enter at enrollment does not match the information in your file at one or more consumer reporting agencies or you do not have a file at one or more consumer reporting agencies. Features may not be available to all customers. Actual experiences may differ from those depicted. Additional terms and limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To read about the Terms of your download, check out the End User License Agreement.

Screenshots

Amex4 screens
Capital One Mobile4 screens

Verdict

The call

The clearest difference is ads: Capital One Mobile at none against Amex's shown. Capital One Mobile also leads on chart position (#2 vs #33). 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 Amex against 4.8 for Capital One Mobile. Both are backed by a comparable volume of ratings — 4.4M and 11M respectively. Written reviews are what separate them: 63% of Amex's written reviews are positive against 60% of Capital One Mobile's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on November 1, 2026.

Scorecard2 real differences · 9 level
Amex versus Capital One Mobile: the parameters behind the verdict, then further details
ParameterAmexCapital One Mobile
PriceFreeFree
Rating4.9 (4.4M ratings) — better4.8 (11M ratings)
Positive reviews63.0% of reviews — better59.9% of reviews
Number of ratings4.4M11M — better
Update frequencyEvery 2 weeksEvery 2 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#33#2 — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.217.0 — better
Further details — not scored
Size533 MB374 MB
Age rating4+4+
DeveloperAmerican ExpressCapital One Services, LLC

Customer experience

Amex

All ratings4,442,344 ratings
Positive97.6%
Neutral0.9%
Negative1.5%
Written reviews3,516 reviews
Positive63.0%
Neutral4.2%
Negative32.8%

Capital One Mobile

All ratings11,251,309 ratings
Positive96.9%
Neutral1.3%
Negative1.8%
Written reviews6,417 reviews
Positive59.9%
Neutral5.3%
Negative34.8%

User reviews

Amex

From 4.4M 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

Capital One Mobile

From 11M App Store ratings

What we love

  • 🚀 Exceptional customer service
  • 👍 User-friendly app
  • 🚀 Convenient features
  • 🚀 Seamless transactions
  • 🚀 Instant notifications

Room to improve

  • 🐛 Buggy and laggy app
  • 🔒 Concerns about account security
  • 🔒 Difficulty verifying identity
  • 🔒 Lack of transparency in account closures
  • 🐛 Inconsistent app performance

Bugs and requests

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

Capital One Mobile

Reported bugs

4 issues
  • Recurring payment issues and account freezes
  • Delayed transaction postings and notifications
  • Incompatibility with older devices and iOS versions
  • Inconsistent behavior when adding external accounts

Requested features

5 requests
  • Ability to add/remove external accounts in-app
  • Improved visibility of pending/upcoming transactions
  • Integration of budgeting and money management tools
  • Faster processing of transfers and payments
  • Dark mode option for the app

In-app purchases

None

Amex

No in-app purchases

None

Capital One Mobile

No in-app purchases

Questions

Is Amex free?
Amex is free to download, with no in-app purchases.
Is Capital One Mobile free?
Capital One Mobile is free to download, with no in-app purchases.
Which has better reviews, Amex or Capital One Mobile?
Amex is rated higher. Amex averages 4.9 out of 5 from 4.4M ratings, while Capital One Mobile averages 4.8 from 11M ratings.
Do Amex or Capital One Mobile have ads?
Amex shows ads; Capital One Mobile does not.
Which is updated more often, Amex or Capital One Mobile?
Amex ships an update every 2 weeks, and Capital One Mobile every 2 weeks. Most recently, Amex was updated on November 1, 2026 and Capital One Mobile on November 1, 2026.
Which is more popular, Amex or Capital One Mobile?
Amex currently peaks at #33 in the App Store charts, and Capital One Mobile at #2. Chart position reflects recent download velocity rather than total install base.

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