credit card mobile banking appIt’s no secret that the world is becoming more and more mobile-oriented, and today we’re using our phones to read the news, order groceries, keep an eye on our home security and so much more. Banks and other financial institutions — such as credit card providers — are following the trend, making it easier for customers to perform transactions on the go with the help of applications that can be downloaded and used on people’s mobile devices. These mobile apps allow you to manage your account and take advantage of certain perks and benefits wherever you are. That said, all apps are not created equal, which is why J.D. Power’s 2018 U.S. Credit Card App Satisfaction Study takes a look at various apps to determine which offers the highest satisfaction to customers. If you’re interested in seeing which credit card providers make it a breeze to manage your credit card on the go, then stay tuned as we discuss the results of this year’s credit card app satisfaction study.

How were the mobile apps ranked?

The J.D. Power survey was comprising of 6,272 retail bank and credit card customers and took place from April to May 2018. It looked at five primary factors to determine which apps reigned supreme:

  • Ease of navigation
  • Appearance
  • Clarity of information
  • Range of services offered
  • Availability of key information

According to the press release on the study results, overall customer satisfaction with mobile apps increased over the past year, with most of the credit card apps in question gaining at least a few points. Not only are the amount and type of features available important, but also the usability of the app. While most credit card mobile apps have improved their overall consumer satisfaction, the study noted that many still struggle with ensuring customers completely understand all of the features — fewer than 80% of those surveyed indicated a complete understanding of their app’s features. The study also noted that there was a higher satisfaction among people who used the apps 12 or more times per month, compared to those who used them 3 or fewer times. Overall, the best mobile credit card apps combine high functionality with high performance, the study results determined.

Which credit card mobile app is the best?

The study narrowed down the best apps offered by credit card providers, and the top three were American Express (a NextAdvisor advertiser), Discover and Capital One. To give you an idea of why these apps reigned supreme over their counterparts, here’s what kind of features they offer.

American Express

Leap-frogging over the competition to move from sixth place in 2017 to first place in 2018 with a score of 894 out of 1,000 — an impressive 31-point increase — American Express offers an app that is easy to use, nice to look at and packed with helpful features for its cardholders. Users can access and manage all of their American Express credit cards from the app, using fingerprint technology to log in (if their smartphone supports it) for added security. Recent account activity, statements and payment details are accessible along with American Express features like Pay It Plan It, your membership benefits and special deals and discounts on merchandise, dining, accommodations and more. You can even view your FICO score from the app, as well as opt to set up alerts for everything from when your bill is due to purchases being made with your card. Account protection alerts, including fraud alerts and notifications if a transaction cannot be approved, are by default always on to help ensure your peace of mind. The American Express mobile app can be used by personal and business card users, including those with charge cards.

Discover

Long a favorite of customers for its top scores in J.D. Power’s 2018 credit card satisfaction study, it’s no surprise that Discover’s mobile app is also a hit with credit card users, coming in second place with a score of 886. In addition to being able to use a passcode or your fingerprint to log in, this app lets Discover cardholders easily take advantage of the Freeze it feature, which locks your account to prevent unauthorized transactions if the card is lost or stolen. You can also view and manage your account — you can do everything from searching transaction history to making payments to redeeming rewards. Other notable features of the app include the ability to notify Discover if you’re traveling to prevent your card being flagged for fraudulent activity, free FICO credit scores and and more. The app is available to all Discover cardholders with compatible mobile devices, and if you use Discover for any other services, you can access those through the app as well.

Capital One

Rounding out the top three best credit card mobile apps is Capital One, which actually took first place in J.D. Power’s banking app study. Its score of 884 netted it a third-place finish in the credit card app study. Since Capital One also offers banking services, cardholders who utilize those services can also take advantage of features like mobile check deposit and bill paying. The app also allows you to view detailed information about each of your card transactions and redeem rewards if your Capital One credit card earns them. When it comes to protection, Capital One’s mobile app allows you to log into your account from your phone with your fingerprint or its SureSwipe sign-in feature for maximum security. You can also use the app to report fraudulent activity and view your CreditWise credit scores.

Want to learn more about the credit cards offered by these providers and more? Read our credit card reviews.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.