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American Express mobile app review

Simplify your credit card payments and account monitoring.

If you own a smartphone and an Amex card, downloading the American Express mobile app for iOS or Android could be worth your while. You can easily monitor your account, pay your balance, view your credit card statements and more.

NEW! Amex Send & Split feature

Starting November 2020, this new feature allows eligible American Express cardholders to send money to PayPal and Venmo accounts of friends and family directly through the Amex mobile app. The cool thing about this is that you won’t pay the PayPal or the Venmo fees. Although PayPal may charge fees when you send money to a non-US PayPal account.

With this feature, you can also split purchases with your friends and family and get paid back as a statement credit on your Amex card account. What’s more, even if you split the cost you still earn all the rewards on the purchase.

How to enroll with Amex Send & Split

To use this feature, you must enroll. Here’s how:

  1. Log in to the Amex App.
  2. Click on the Account tab.
  3. Select Amex Send & Split and enroll.
  4. Log in to your Venmo or PayPal account to link.

Benefits of the American Express mobile app

If you own an Amex card or if you’re looking to get one, you can simplify your online banking with the Amex mobile app. Through your smart device, you can:

  • Monitor your account. Track your spending, view your last six months of debit and credit transactions and get notifications when you make a purchase.
  • Make payments. Pay your balance with a single tap on your smartphone. With the app, you can make the minimum payment, you can pay the remaining balance, pay your full balance or enter another amount to pay.
  • Secure login. Use your fingerprint or face ID to log in. But your smartphone needs to support these features.
  • Find Amex offers. Tap the Amex Offers button to browse active offers and earn points or cash back on your purchases.
  • Track your rewards points. Monitor your rewards points balance and redeem points through the app.
  • Electronic statements. Get your monthly statements as a PDF on your app. You can also set alerts to inform you every time your statement is available.
  • Use the app to activate your new Amex card. The app allows you to activate your replaced or renewed card.

I can’t find the Amex mobile app on the online stores. How can I download it?

Text MOBILE to 86509 and you’ll get a link to download on your mobile device.

Drawbacks of the American Express mobile app

Actually, there are no drawbacks to using the American Express mobile app. You can do most of your credit card banking with your fingertips.

Customer reviews

In general, the Amex mobile app has positive reviews. Users love the interface and all the perks, including monitoring your account, making payments and tracking reward points. Some users complain about the difficulty to redeem membership points through the app. But keep in mind that this is an app and it gets constant updates, so expect any issues to be resolved in the future.

The J.D. Power’s credit card mobile app satisfactory study from 2019 has put the American Express mobile app in second place with a consumer rating of five power circles.

Compare American Express credit cards

If you already own an Amex card you can always add another card to your wallet. With the Amex mobile app, you can simplify your finances and having multiple cards shouldn’t be an issue.

1 - 3 of 16
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 15.49% to 25.49% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 15.49% to 25.49% variable)
Earn a $350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
American Express® Gold Card
4x Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x on flights booked directly with airlines or on
See Pay Over Time APR

Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees

Compare up to 4 providers

Bottom line

Downloading the American Express mobile app would be a convenient way of managing your card’s finances and making payments. But if you don’t have a card yet, make sure to compare your credit card options until you find one that works for you.

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