Nowadays, we do not have to visit a bank branch to start one’s credit journey, as it is now possible at the tips of our fingers. Most banks allow online registration and application for credit cards through their official websites or mobile banking apps.
I listed some of the best credit card apps out there. Check their features and services to see how to apply for credit cards on these mobile banking apps. Discover also how to download these apps to your mobile device.
American Express
Considered one of the best credit card apps of 2021, the American Express app is known for its accessibility features. I liked that I can easily track my spending and rewards on the app. The American Express app lets me find offers, review my balance, pay my bills, and enjoy exclusive features.
I liked that the app has additional security features for mobile banking, such as face ID and fingerprint recognition for logging in. The AmEx mobile banking app allows me to check all my account balances and pending transactions and receive notifications for all transactions like purchases or scheduled payments.
The American Express Bank lets everyone apply for a credit card online by completing the initial part of the process on the website or the app. Here, the bank asks for my personal information to check my eligibility for a credit card application. Anyone can get the American Express app for free on the Google Play Storeand the Apple App Store.
Bank of America
Being one of the largest banks in the United States, Bank of America offers its customers the best services that are extremely accessible, like the Bank of America mobile banking app. The app allows us to conveniently and securely manage all US-based Bank of America accounts.
Through the app, I can review all the activities, which not only include my credit card account but also checking and savings accounts. It is also possible to transfer money securely with Zelle using a US mobile number or email address. Interestingly, the app has Erica, the Virtual Financial Assistant, to guide me with the app’s features and financial concerns.
Bank of America offers many available cards, so it is advised to check all the features and perks before applying for one. Applicants can also apply for a credit card online by giving basic personal information, which is the initial stage. The Bank of America app is available on the Google Play Storeand the Apple App Store.
Barclays
Barclays also offers a convenient mobile banking app called “Barclaycard.” I can manage my cards through the app by checking the latest balance and the available credit. The Barclaycard is free to download from the Google Play Storeand the Apple App Store.
I have an easy time managing my credit cards on the app, as it is possible to report whenever my card is lost, stolen, or damaged. I can also manage my credit limit for more responsible spending. Barclaycard lets me view all my digital statements and transaction history to track my credit status.
In addition, the app allows me to check my eligibility for a credit card application. Before applying, I need to know my current credit score and find the right credit card for my needs. After checking my eligibility, I can proceed with the application online with the app or the website.
Capital One
It is also easy to manage credit accounts on the Capital One mobile banking app. The bank wants its customers to access its services anytime, making the Capital One app available on the Google Play Storeand the Apple App Store. The Capital One banking app lets me view balances, export statements, transfer money, pay bills, etc.
The app also lets me check my credit health with CreditWise. In addition, I can easily activate a credit card whenever I need it. On the other hand, I can instantly lock a credit card on the app whenever I want to set a limit or when it is lost or stolen. Capital One allows us to see everything on our credit cards with the detailed transitions report.
Capital One provides an overview of all the credit cards it offers to compare the annual fee, transfer information, purchase rate, and other bonuses. With the online credit card application, I can shorten the process by answering pre-approval questions and checking my eligibility for the available offers.
Citi
Citi dubs its mobile banking app as an all-in-one app because customers can easily check all their accounts on the app. Citi Mobile promotes convenience as all the features can save customers’ time from visiting a branch, which relies on its intuitive navigation menu and smart shortcuts.
The Citi Mobile app can be downloaded on the Google Play Storeand the Apple App Store. Moreover, I can also ask for a new card once lost, damaged, or stolen.
Citi also promotes choosing the right credit card when I apply for one. I can start the application process online by providing basic information about myself that can help me get through the initial screening process.
Chase
I have been using the Chase Mobile app for quite some time already. It specializes in managing my credit card accounts. The Chase Mobile app can be installed freely from the Google Play Storeand the Apple App Store.
The app helps me with my credit journey by checking my credit score in real-time. It also gives me ways to improve my credit score by providing tips and instructions on which activities are beneficial. The mobile banking app can also help me shield myself from identity fraud with credit monitoring.
Chase offers a flexible way to apply for a credit card online. It asks for personal information: name, Social Security Number, mailing address, gross annual income, employment status, housing costs, and phone number. Before applying, the app lets me check my credit health or score first to assess my eligibility for a credit card application.
Discover
Another app that focuses on credit card accounts is Discover Mobile. The majority of its features are for credit card management, wherein I can check my balance and the available credit on my accounts. It is also possible to view and download monthly statements through the Discover Mobile app.
I can also use the app to redeem rewards as a statement credit towards any bill, an electronic deposit to any bank account, and gift cards. Discover allows me to link my credit card to my Amazon and PayPal accounts to easily earn points to have more rewards that I can redeem.
Discover lets interested individuals apply for a credit card online or by phone. Online applications can easily get me the pre-approved status by meeting all the basic requirements set by Discover for credit card applications. The Discover mobile app is free to install from the Google Play Storeand the Apple App Store.
Synchrony
Synchrony requires interested individuals to register online first. It is the bank’s first way to learn the background of the customers that is necessary for the application process. The online registration can be done through the bank’s official website or mobile app.
The Synchrony Bank mobile app is free to download from the Google Play Storeand the Apple App Store. Aside from online registration for a credit card, the app also has numerous banking services that make Synchrony’s services available 24/7.
The app lets its customers check balances at a glance through its widget. The Synchrony Bank app also allows its users to track all the account activity to check if suspicious or unauthorized transactions are done.
U.S. Bank
It is impossible to miss the U.S. Bank Mobile app on the list as it is one of the top-rated mobile bank apps in the country. I liked the app because it prioritizes the security of its customers like the log-in safety feature, alert notifications for suspicious activities, and much more.
The app also lets me view all my accounts and balances in one spot, including my checking, savings, credit cards, etc. I also manage my credit cards on the app by easily locking and unlocking them. I can also set credit limits daily, weekly, or monthly. The U.S. Bank mobile app is available on the Google Play Storeand the Apple App Store.
When I tried the online application for a credit card, U.S. Bank recommended that I should check its different cards to compare and see which fits my needs best. Then, I proceeded with the application online, but the succeeding stages of the application were offline or in-person.
Wells Fargo
When I looked for the Wells Fargo credit card application, I discovered that it lets its customers choose from its pool of available credit cards. Each credit card has a unique set of perks and benefits to fit the lifestyle and needs of all its customers.
Moreover, the Wells Fargo credit cards have their basic APR, fees, charges, and bonus rewards to entice the customers. To make it more convincing, the bank lets us use its mobile banking app to access and manage our credit card accounts by checking all the transactions, paying bills instantly, and much more.
The application process for a Wells Fargo credit card can be done by using the app or website by looking for the “Apply Now” button. I can identify if I qualify for my intended credit card at Wells Fargo through the online application. Thus, installing the Wells Fargo app is recommended, which is available on the Google Play Storeand the Apple App Store.
Conclusion
Different banks offer different kinds of credit cards to cater to the needs of people. Interested individuals can easily start their credit journey by applying for a credit card online through the banks’ mobile apps above. Try out these financial apps today to begin a credit card application.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank's terms and conditions page before agreeing to anything.
