# Amex vs The LoanLab

The clearest difference is price: Amex at Free against The LoanLab's $1.99. Amex also leads on ratings volume (4.4M vs 3) and chart position (#22 vs unranked). The LoanLab's advantage is review sentiment (100% vs 63%) and ads (none vs shown). On rating, update cadence, in-app purchases and device support there is nothing between them.

Amex is free to download; The LoanLab costs $1.99 up front. 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 5.0 for The LoanLab. That said, the two scores are not equally well evidenced: Amex has 4.4M ratings behind it against 3, 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 100% of The LoanLab's.

Amex ships an update every 2 weeks, The LoanLab every 10 days. The most recent releases landed on October 28, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Amex | The LoanLab |
| --- | --- | --- |
| Price | **Free** | $1.99 |
| Rating | [4.9 (4.4M ratings)](https://appshunter.io/ios/app/amex/id362348516/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/the-loanlab/id6775335017/reviews)** |
| Number of ratings | **4.4M** | 3 |
| Positive reviews | 63.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | **Free** | Paid |
| Best chart rank | **#22** | — |
| Size | 525 MB | 5 MB |
| Requires iOS | 18.2 | **18.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [American Express](https://appshunter.io/developer/362348519) | [Civilian Ventures, LLC](https://appshunter.io/developer/6775275471) |

## What reviewers say

### Amex

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

**Currently charting:** #22 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


### The LoanLab

[App page](https://appshunter.io/ios/app/the-loanlab/id6775335017)

Calculate loan costs, payments, and commitments with detailed amortization schedules. Model multiple loans and expenses to understand your full financial picture and accelerate payoff. Offers AI-powered education on loan terms and current market data.

**Highlights:** Instant loan cost calculation, Full amortization schedules, Combine multiple loans and expenses, Payoff accelerator modeling, Side-by-side loan comparison, AI-powered financial education

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

**In-app purchases:** none


## Frequently asked questions

### Is Amex free?

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

### Is The LoanLab free?

The LoanLab costs $1.99, with no in-app purchases.

### Which has better reviews, Amex or The LoanLab?

The LoanLab is rated higher. Amex averages 4.9 out of 5 from 4.4M ratings, while The LoanLab averages 5.0 from 3 ratings.

### Do Amex or The LoanLab have ads?

Amex shows ads; The LoanLab does not.

### Which is updated more often, Amex or The LoanLab?

Amex ships an update every 2 weeks, and The LoanLab every 10 days. Most recently, Amex was updated on October 28, 2026 and The LoanLab on October 12, 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.*