Comparison

Amex vs c2c

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

c2c

This app acts as a personal ledger, meticulously tracking all your bills against your actual pay periods. It helps you visualize what's due, what's paid, and what remains before your next paycheck, offering a clear financial overview without linking to bank accounts.

Highlights
  • Pay period-based bill tracking
  • Manual bill entry, no bank linking
  • Loan and credit card payoff tracking
  • Home screen widget for current period
  • Natural language ledger queries
  • Customizable tags and categories
  • Bill sharing and splitting
  • iCloud and Google Drive sync
Features
Read full description

Check 2 Check tracks every bill against your real pay periods — what's due, what's paid, and what's left before your next paycheck lands. Not a calendar. Not a bank feed. A ledger built around the one schedule that actually matters: the one between your paychecks. - Built around your pay schedule — weekly, biweekly, semimonthly, or your own custom interval - Every bill entered by you, seen by no one else — no bank-account linking - Track a loan or credit card payoff right alongside your bills - A home screen widget showing exactly what's still owed this period - Ask about your own ledger, in plain language — every number in the answer is computed by the app itself, never invented by AI - Categories or your own tags — organize it your way - Share a bill with someone else, split rent or a subscription - Everything syncs through iCloud; back up to Google Drive too if you want a second copy - Track loans and credit cards next to your bills. Schedule a payment with a swipe, and press and hold to update a balance or credit limit when it changes - Bank tags: label which account pays each bill and receives each paycheck. Labels only, nothing ever connects to your bank - See where it all went. Flip History into a pie chart by category or by bill, and tap any slice to see what's inside - Keep a bill visible without counting it toward what you owe Free to start — track up to 5 bills at no cost, forever. Premium unlocks unlimited bills and full appearance customization. Terms of Use: https://check2check.dev/terms Privacy Policy: https://check2check.dev/privacy

Screenshots

Amex4 screens
c2c4 screens

Verdict

The call

The clearest difference is in-app purchases: Amex at none against c2c's 1. Amex also leads on ratings volume (4.4M vs 2) and chart position (#27 vs unranked). c2c's advantage is ads (none vs shown) and update cadence (every 5 days vs every 2 weeks). On price, rating and device support 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. c2c sells 1 in-app purchase, starting at $9.99 per year. Amex asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Amex against 5.0 for c2c. That said, the two scores are not equally well evidenced: Amex has 4.4M ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Amex ships an update every 2 weeks, c2c every 5 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard7 real differences · 4 level
Amex versus c2c: the parameters behind the verdict, then further details
ParameterAmexc2c
PriceFreeFree
Rating4.9 (4.4M ratings)5.0 (2 ratings) — better
Positive reviews63.0% of reviews—
Number of ratings4.4M — better2
Update frequencyEvery 2 weeksEvery 5 days — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
Best chart rank#27 — better—
DevicesiPhone, iPadiPhone, iPad, Apple Watch — better
Requires iOS18.2 — better26.6
Further details — not scored
Size533 MB19 MB
Age rating4+4+
DeveloperAmerican ExpressTEVIN S JONES

Customer experience

Amex

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

c2c

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

c2c

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Amex

No in-app purchases

1 purchases

c2c

Subscriptions1
  • Check 2 Check Premium14 Days trial$9.991 Year

Questions

Is Amex free?
Amex is free to download, with no in-app purchases.
Is c2c free?
c2c is free to download, with in-app purchases available.
Which has better reviews, Amex or c2c?
c2c is rated higher. Amex averages 4.9 out of 5 from 4.4M ratings, while c2c averages 5.0 from 2 ratings.
Do Amex or c2c have ads?
Amex shows ads; c2c does not.
Which is updated more often, Amex or c2c?
Amex ships an update every 2 weeks, and c2c every 5 days. Most recently, Amex was updated on November 3, 2026 and c2c on October 31, 2026.

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