Chase Credit Cards Mobile App Review

The Chase mobile app is a bit complex, but robust. You can manage your cards much like you do on
Sara Rathner
Chanelle Bessette
By Chanelle Bessette and  Sara Rathner 
Edited by Erin Hurd

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Navigating through the Chase app isn’t always intuitive simply because you can do so much on it. Overall, much of what you can do on, you can also do on the app. With so many Chase card offerings, it’s hard to beat the convenience of being able to manage all your accounts together in one place, from anywhere.


The Chase mobile app includes basically everything but the kitchen sink. You can complete typical tasks like paying bills and reviewing statements, as well as manage your points in the complicated Chase Ultimate Rewards® program, opt in to pay-over-time deals for certain purchases and more.

Secure login

You can either manually enter your username and password, or opt to use facial recognition or a fingerprint for a faster login. The app will log you out after a period of inactivity.

Monitoring transactions and trends

The app makes it easy to see where your money goes and keep an eye out for suspicious charges. You can see up to 24 months of transactions and up to seven years of credit card statements. Plus, get a breakdown of your spending by category to track trends and see if it's in line with your budget.

Staying secure

If you misplaced your card, you can lock it in the app, which will block new purchases, balance transfers and cash advances from your account. You can unlock your card if it was between your couch cushions all along.

The app allows you to dispute a charge with Chase if you were incorrectly charged for a purchase, or if you tried to cancel a recurring charge but were charged anyway. If you notice a transaction that you didn’t make (or an authorized user didn’t make), Chase recommends that you call the number on the back of the card to report fraudulent activity.

Access to all your Chase cards

If you carry multiple Chase cards, you’ll have access to all of them in the app. Holders of both business and consumer cards can toggle between those lists of cards on the home screen. If you have Chase checking, savings, mortgage, auto loan or personal loan accounts, they'll also show up on your dashboard when you sign in.

Customized navigation

You can add and remove “quick actions” on the home screen, making it possible to partially customize the app and speed up access to specific features. Options include shortcut buttons to bill payment, bill activities, statements and documents, Chase Ultimate Rewards®, ATM or bank branch locations, travel notifications, lost card replacement, showing or hiding accounts, and managing user security features.

Paying bills

Pay your credit card bills in the app, either manually or by setting up automatic recurring payments. You can connect bank accounts as payment methods through the app as well. Plus, set up push notifications to get an alert when a payment due date is coming up or when your checking account is overdrawn.

Chase Ultimate Rewards®

Check your rewards balances and redeem points in the app. If one or more of your cards earns Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card or the Chase Freedom Flex℠, you can also use those points to book travel right in the app, and combine Ultimate Rewards® points earned across multiple cards.

My Chase Plan

Select a purchase of $100 or more to divide into equal monthly payments with My Chase Plan. You won’t pay interest, but there is a fixed monthly fee associated with using this service. In the app, you can choose between several payment plan options.

Chase Offers

Easily opt in to Chase Offers for each of your cards to automatically save on an upcoming purchase with participating merchants. Chase Offers change over time, so check the app on a regular basis to see where you can save.

Credit score monitoring

Chase Credit Journey can help you keep tabs on your credit score for free, whether or not you’re a current Chase customer. It also includes credit monitoring, identity theft insurance, alerts when there are changes in your credit report, and resources to help you build credit. The credit score through this tool is a VantageScore 3.0 credit score based on TransUnion data. Because lenders use different credit scoring models when evaluating loan applications, the credit score you see here may differ from your score when applying for various financial products.


The Chase mobile app isn’t equipped with in-app customer service messaging, so there’s no message or chat option. You can visit the Secure Message Center, but you’ll be connected with a bot that leads you to helpful links rather than connecting directly with a representative.

Since the app offers so many features, some users find it a bit overwhelming and hard to navigate.

Desktop vs. mobile

When it comes to managing your accounts, credit card rewards and more, most tasks can be done on both the mobile app and your desktop. You can even open new checking and savings accounts, certificates of deposit and credit cards through the app. For other actions, like applying for a mortgage or auto loan, the app will redirect you to the mobile version of So there are still some banking tasks that need to be completed on the desktop version.

When you visit the Chase website you can send a secure message to customer service, but you can’t send messages from the app.

Because there are slight design variations between and the Chase app, it’s just a matter of familiarizing yourself with them both.


Ranked third out of 11 major credit card issuers — J.D. Power 2020 U.S. Credit Card Mobile App Satisfaction Study.

4.8/5 — Apple's App Store (rating as of March 2021).

4.4/5 — Google Play Store (rating as of March 2021).

Chase Cards from our Partners
Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
NerdWallet Rating
Rewards rate


Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.


Intro offer

Unlimited Matched Cash Back

Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.


Intro offer


Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Flex

on Chase's website

Chase Freedom Flex℠
NerdWallet Rating
Rewards rate


Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.


Intro offer


Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

See more Chase cards

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