Amex vs Chime®
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Amex
Manage your American Express accounts, track spending, and redeem rewards on the go. Access offers, freeze your card instantly, and get 24/7 customer support.
- Manage Cards, checking, and savings accounts
- Freeze and unfreeze cards instantly
- View and redeem rewards
- Discover personalized offers
- Track spending and view statements
- Set up AutoPay
- 24/7 customer service chat
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The official American Express App for iPhone allows you to access and manage your Account from anywhere. Manage your Membership, explore offers, freeze your Card, and access customer service 24/7. Access your Cards, checking and savings accounts, and personal loans. Make the most of your Membership with the speed, security, and convenience of the Amex® App. Secure Account Management • Freeze and unfreeze your Card instantly. • Activate and confirm your Card. • Add Card Members to your Account. Rewards and Benefits • View your rewards balance and redeem rewards in the App. • Redeem Cash Back.* • Explore personalized ways to use points. • Refer friends and family to earn rewards.* Amex Offers • Discover offers for shopping, dining, travel, and more. • Find nearby offers on a map. • Get Amex Offers notifications on your device. Manage Your Spending • View your balance and transactions, and sort charges by amount or date. • Go paperless and review Account statements. • Set up AutoPay for monthly payments. • Check your spending power. Real-Time Alerts • Get purchase and fraud alerts. • Set payment reminders. • Manage notifications in the Account tab. 24/7 Customer Service • Chat with us anytime and revisit past conversations in the App. *Eligibility required. The American Express® App and its features are available only for eligible Card accounts in the United States. 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
Chime®
This mobile banking app offers fee-free banking and helps your money grow. Enjoy early paychecks, credit building tools, and cash back rewards. It's designed for easy, everyday financial management.
- Fee-free banking
- Early paycheck access
- Credit builder feature
- Cash back rewards
- Spot Me overdraft protection
- Fee-free ATM network
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Join America’s #1 Choice for Banking™ and the millions who already bank fee-free.⁵ With Chime, your money works harder from the moment it hits your account.
Screenshots
Verdict
The clearest difference is monetization model: Chime® at ad-supported against Amex's free with in-app purchases. Chime® also leads on update cadence (weekly vs fortnightly) and chart position (#9 vs #27). 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
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 Chime®. Both are backed by a comparable volume of ratings — 4.5M and 1.7M respectively. Written reviews are what separate them: 63% of Amex's written reviews are positive against 61% of Chime®'s.
Amex ships an update fortnightly, Chime® weekly. Both last shipped on November 11, 2026.
| Parameter | Amex | Chime® |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (4.5M ratings) — better | 4.8 (1.7M ratings) |
| Positive reviews | 63.0% of reviews — better | 61.4% of reviews |
| Number of ratings | 4.5M — better | 1.7M |
| Update frequency | Fortnightly | Weekly — better |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Best chart rank | #27 | #9 — better |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 18.2 | 16.4 — better |
| Further details — not scored | ||
| Size | 536 MB | 278 MB |
| Age rating | 4+ | 4+ |
| Developer | American Express | Chime Financial, Inc. |
Customer experience
Amex
Chime®
User reviews
Amex
From 4.5M App Store ratingsWhat 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
Chime®
From 1.7M App Store ratingsWhat we love
- 🚀 Early paycheck
- 💰 No overdraft fees
- 👍 Easy to use app
- 💳 Credit builder feature
- 💳 Spot me feature
Room to improve
- 🐛 Inconsistent direct deposit timing
- 🤖 Poor chatbot support
- 💳 Difficulty with card activation/replacement
- 💰 Fees for cash deposits
- 🤔 Unclear account closure policies
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
Chime®
Reported bugs
3 issues- Delayed check deposits
- Unexplained account closures
- Disappearing funds during transfers
Requested features
4 requests- Instant transaction updates
- Option to choose credit builder amount
- Temporary card for emergencies
- Physical bank branches
In-app purchases
Amex
No in-app purchases
Chime®
No in-app purchases
