Chase app review: Everything you need to know

Calling all Chase users! If you have a bank account, credit card, loan, investment account, or anything else with Chase, this is the app for you.

It’s packed with features to help you manage all your Chase accounts, redeem rewards, track expenses, pay bills, and more. It is one of the top rated finance apps for android and iOS users.

Chase App Review: Features

Here’s a quick look at some of the things you can do with the Chase app.

  • Manage all your Chase accounts in one place
  • Request other accounts
  • Track expenses and find ways to save money
  • Send and receive payments with Zelle
  • Pay Chase bills and credit card payments
  • Transfer money between accounts
  • Lock and unlock maps
  • Deposit checks in the mobile app with Chase QuickDeposit
  • Redeem Chase rewards and offers
  • Find ATMs and branches
  • Relax with 24/7 fraud monitoring

But where does it shine? Here is an overview of Chase’s main features:

Manage accounts and investments

As the largest bank in the United States, Chase has many accounts you can open – checking and savings accounts, credit cards, loans, investments, and more.

One cool thing about the Chase app is that no matter how many accounts you have, they’re all bundled together in one easy-to-use interface. You can view your account balances, review recent transactions, and even set up custom alerts.

It’s basically a centralized hub to help you stay organized and on top of your finances.

Follow your credit journey

(Image credit: Chase)

Most banking apps these days have credit score monitoring. But what makes Chase so different? In a nutshell, the Chase app does a better job of helping you understand your credit score and the factors that affect it.

With its Credit Journey tool, you can:

  • Check your VantageScore (updated weekly)
  • See how your credit score compares to others
  • Use the score simulator to see the impact of certain activities on your credit score
  • Track your total credit balance, credit card usage, and overdue payments
  • View a complete history of your credit score since you signed up for Credit Journey
  • Get personalized insights on how to improve your score

Point: Anyone can use the Credit Journey tool for free, even if you’re not a Chase customer.

Redeem rewards, offers and deals

Credit cards are the bread and butter of Chase. There is therefore no doubt that this section of its application is relevant.

You can view your credit card benefits in the app, as well as transfer and redeem rewards. Simply choose what you want to redeem your points for – cash, travel, gift cards or Chase offers – and the app will take care of the rest.

Use the budget planner to record and monitor expenses

(Image credit: Chase)

Chase’s budget planning tool is one of the best we’ve seen from traditional banks. While most banking apps let you track purchases, the Chase app takes things a step further by letting you create a personalized budget based on your monthly income, recurring bills, and savings goals.

As you spend money throughout the month, everything is grouped together in a pie chart so you can see how close you are to exceeding your budget.

And if you want even more advice, you can activate the “daily pace” tool to estimate how much you should be spending per day to be under budget at the end of the month. This eliminates the need to use a separate budgeting app like Mint.

Get spending insights with today’s snapshot

One of my favorite features in the Chase app is today’s snapshot. It’s a nifty tool that gives you a daily overview of your finances so you can build better habits.

For example, let’s say you have a Chase credit card. Every time you log into the app, today’s snapshot will show you:

  • A line graph of your credit and debit card usage (like the one pictured above)
  • A breakdown of your expenses by category (think shopping, food and drink, travel, and groceries)
  • The number of loyalty points you have earned this week
  • Using your credit card
  • How many times have you logged in with Snapshot this week

Knowledge is power. And together, this information goes a long way to helping you improve your finances.

Get your questions answered with a Chase Banker

Most of the time, you only call customer service if you have a problem with your account. But what if you want a financial health check or advice on your savings plan? Turns out you can do it in the app too.

With the “Schedule a Meeting” feature of the Chase app, you can arrange a phone call or an in-person meeting with a Chase banker. During this call, you can:

  • Open or update your account
  • Apply for a credit card
  • Get a financial health check
  • Discuss a savings plan
  • Get help with your accounts

Chase App Review: Pricing

The Chase app is free. It is available on Android and iOS devices.

Chase App Review: Ease of Use

Overall, the Chase app is a solid banking app with millions of users. I’ve been using it for my credit cards for almost a decade. And frankly, I really like it.

While the app looked clunky and dated a few years ago, the development team has made strides in modernizing and streamlining it. Now it’s clean and easy to navigate. And I really like all the financial information I can see when I scroll through my accounts.

If there’s one negative about the Chase app, it’s that it can sometimes feel cluttered with product advertisements – after all, Chase wants you to have as many accounts with them as possible.

More recently, users are upset that Chase removed the dark mode feature from the app – so now the app uses light mode by default.

Chase app review: Support

The Chase app doesn’t have a built-in chat feature for live support, but you can still contact customer support in one of four ways:

  • Chat with the in-app digital assistant
  • Schedule a phone call or in-person meeting with a Chase banker
  • Visit a local Chase branch
  • Call 1-800-935-9935 to speak to a representative

MY EXPERIENCE: I called Chase customer service on July 14, 2022 and was put on hold for two minutes. The rep I spoke to was an absolute delight and did a thorough job answering all of my questions. As big as Chase is, I was amazed at how quickly I was connected with someone.

A quick tip – When you call customer service, you’ll be asked to enter your debit or credit card number before you can speak to someone. If you don’t have this information, just press 0 when you hear this prompt. It will redirect you directly to customer service.

How the Chase App Compares to the Competition

The four largest US banks are Chase, Bank of America, Citibank and Wells Fargo. So how does the Chase app compare to its main competitors?

For starters, all apps have the same standard features you’ll find with any banking app. You can manage accounts, transfer money, pay friends with Zelle, and monitor your credit score.

Beyond that, Chase stands out because it lets you create a custom budget in the app and set recurring savings goals. The “Snapshot of the day” feature also gives you an overview of personalized expenses at a glance.

These features push Chase to the top, making it the highest ranked app on the App Store and Google Play among the four banks.

Chase App Review: Verdict

As the largest bank in the United States, Chase didn’t have to go out of their way to create an amazing banking app. But it did anyway.

The Chase mobile app will blow your mind with all of its bonus features. Two of our favorites are the built-in budget planner (where you can set savings goals, monitor your bills, and track your income) and the Daily Snapshot tool, where you get insights at a glance (like your daily use of the card and a breakdown of your expenses by category).

Really, the Chase app is as good as it gets if you’re dealing with a traditional institution. It’s clear the company has spent more time adding financial wellness features to help you build smart habits.

And the cool part is that anyone can use the Credit Journey tool to monitor and grow their credit, even if you’re not a Chase customer. Usually you have to deal with an institution to get access to tools like this.

So if you’re already a Chase customer — or just want to use Credit Journey to improve your financial health — there’s really no reason not to sign up. The Chase app has pretty much everything you need.

Frequently Asked Questions (FAQ)

How do I check my bank statement on the Chase app?

Follow these steps to review your bank statement:

  • Log in to the Chase app
  • Select the account for which you want to see a statement
  • Select the three dots next to your account balance. (This opens a separate menu)
  • Click on “see statements”

Is the Chase app secure?

Yes, the Chase app comes with all the latest security features. 128-bit encryption protects you from potential hackers, and two-factor authentication verifies that you’re logging in. You can also log in with a fingerprint or face ID if your device supports it.

Within the app, your account has 24/7 fraud monitoring for unusual activity. Plus, you can set up custom alerts and lock and unlock accounts at the touch of a button.

Is the Chase app paid?

No, the Chase app is free of charge. It is free to use and download.

How do I log out of the Chase mobile app?

The Chase app should automatically log you out after exiting the app or being idle for a few minutes. That said, you can sign out manually by following these steps:

  • Select the profile icon in the upper right corner of your screen. (This opens a separate menu)
  • Click on “Sign out”

Lance B. Holton