# Amex vs Shortfall

The clearest difference is in-app purchases: Amex at none against Shortfall's 1. Amex also leads on ratings volume (4.4M vs 1) and chart position (#23 vs unranked). Shortfall's advantage is ads (none vs shown). On price, rating, update cadence and device support there is nothing between them.

Both are free to download. Shortfall sells 1 one-off in-app purchase. Amex asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Amex against 5.0 for Shortfall. That said, the two scores are not equally well evidenced: Amex has 4.4M ratings behind it against 1, so its average is the more settled of the two.

Amex ships an update every 2 weeks, Shortfall every 3 weeks. The most recent releases landed on October 15, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Amex | Shortfall |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (4.4M ratings)](https://appshunter.io/ios/app/amex/id362348516/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/shortfall-paperwork-check/id6763161521/reviews)** |
| Number of ratings | **4.4M** | 1 |
| Positive reviews | 63.1% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#23** | — |
| Size | 525 MB | 4 MB |
| Requires iOS | **18.2** | 26.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [American Express](https://appshunter.io/developer/362348519) | [Steven Knauss](https://appshunter.io/developer/1877190883) |

## 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


### Shortfall

[App page](https://appshunter.io/ios/app/shortfall-paperwork-check/id6763161521)

This app helps car buyers avoid hidden fees by scanning contracts and flagging charges higher than typical for their state. It provides a free initial audit and an optional one-time purchase for unlimited use and advanced features like tracking dealer revisions.

**Highlights:** Scan car contracts with camera or PDF, Flag fees higher than typical for your state, Analyze interest rates and doc fees, Track dealer contract revisions, Check Kelley Blue Book trade-in values, Private by design, no account needed

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Audits | $4.99 | one-time |


## Frequently asked questions

### Is Amex free?

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

### Is Shortfall free?

Shortfall is free to download, with in-app purchases available.

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

Shortfall is rated higher. Amex averages 4.9 out of 5 from 4.4M ratings, while Shortfall averages 5.0 from 1 ratings.

### Do Amex or Shortfall have ads?

Amex shows ads; Shortfall does not.

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

Amex ships an update every 2 weeks, and Shortfall every 3 weeks. Most recently, Amex was updated on October 15, 2026 and Shortfall on October 3, 2026.

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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.*