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Top Credit Card Mobile Apps of 2024

At O1ne Mortgage, we prioritize consumer credit and finance education. This post provides an objective view to help you make the best decisions regarding credit card mobile apps. For any mortgage service needs, call us at 213-732-3074.

American Express

American Express has tied for the top spot in the 2024 U.S. Credit Card Mobile App Satisfaction Study by J.D. Power, with a rating of 675 points out of 1,000. The app’s main dashboard allows you to swipe through your Amex credit cards, view balances, and recent activity. Key features include:

• Making payments
• Viewing past statements
• Freezing your card
• Checking spending power
• Managing autopay and account settings

To see your rewards balance and redeem them, select the Membership icon. The Account icon provides access to your FICO® Score, account management, and profile updates.

Bank of America

Bank of America shares the top rating with American Express, also scoring 675 points. The app’s dashboard displays all your accounts and their balances. By tapping on an account, you can view:

• Current and statement balances
• Available credit
• Next statement closing date and due date
• Minimum amount due

The app also offers features like viewing recent transactions, redeeming rewards, checking your FICO® Score, and chatting with a virtual assistant. You can set up alerts to track expenses and avoid fraud.

Discover

Discover’s mobile app ranks third with a score of 673. The app’s dashboard shows your account balances, rewards balance, and payment due dates. You can also:

• View account activity
• Make payments
• Check your FICO® Score
• Analyze spending trends
• Redeem cash back or miles
• Manage authorized users

Citi

Citi’s mobile app is fourth with a rating of 654. The snapshot feature allows you to view card balances and recent transactions without logging in. Once logged in, you can see:

• Current and statement balances
• Upcoming due dates
• Minimum payment amounts

The app also lets you check your FICO® Score, redeem rewards, dispute transactions, and request push notifications for purchases. The Citi Quick Lock feature allows you to quickly disable a lost card.

Chase

Chase rounds out the top five with a score of 646. The app lists all your Chase credit cards and their balances. Features include:

• Viewing current balance, due date, and minimum payment
• Checking credit limit and available credit
• Viewing recent transactions and rewards balance
• Redeeming Ultimate Rewards points
• Managing trips booked through the Ultimate Rewards platform

Features to Look for in a Credit Card Mobile App

When comparing credit cards, consider the following features in their mobile apps:

• Simple Dashboard: Ease of viewing account balances and switching between accounts.
• Security Features: Facial recognition, fingerprint scans, and easy card locking/unlocking.
• Easy Rewards Redemption: Convenient navigation for viewing and redeeming rewards.
• Payment Options: Ability to pay bills, set up automatic payments, and change due dates.
• Other Features: Access to credit scores, spending analysis, and account management tools.

Check Your Credit Before Applying for a New Card

Before applying for a new credit card, check your credit score. Most top cards require good or excellent credit, typically a score in the upper 600s or higher. If your score needs improvement, take steps to boost it before applying.

For any mortgage service needs, call O1ne Mortgage at 213-732-3074. We’re here to help you make informed financial decisions.