Best Credit Card Apps in Canada

In Canada, the trend to carry a credit card is on the rise owing to these great benefits and the facility of revolving credit lines. However, having the best credit card features is not enough in this highly competitive era. People today rely more on mobile applications and surely see them as a convenient option for online dealing. This is why the majority of users feel satisfied to conduct online transactions through mobile applications.

Be it an early morning hour or a late night recollection of a due bill, you can manage all expenses at any time and hour of the day through your mobile application. These mobile applications not only assist in conducting transactions but also offer a bunch of other features that make it easy for the user to track expenses and keep an eye on their credit card activity, points, and outstanding amounts.

Almost all banks have launched their mobile applications to manage the activity of credit cards in Canada. However, all applications are developed on different themes and offer varying user experience. In this article, I am listing the most famous credit card apps from major banks in Canada along with their user rating to give you an idea about user satisfaction regarding these apps.

Before we get to that, you can actually search through all Canadian credit cards using the credit card rewards calculator tool to find your best cards. That's a good first step before you sign up for any credit cards.

Finly Credit Card Calculator app

Scotiabank

With the mobile app, you can check out the points balance in addition to the outstanding debt. It helps you to monitor the rewards you have earned so far. This way you can know where you stand in the rewards and perks game.

The app also shares the TransUnion credit score which helps you keep an eye on your credit score. You can manage credit utilization and pay in full if your credit score is affected by your credit history. This offers you great exposure to your credit score and helps you to maintain your credit history.

The app also comes with an option where users can interact in real-time with customer service representatives through live chat. This way they can get the required assistance to run the application for their credit card usage. If your issue is such that you need to visit a representative in person then it also helps you to book a meeting with an advisor in the Scotiabank branch.

The application is available on both Android and Apple phones and has a rating of 4.7 on both platforms.

Tangerine

The Tangerine mobile application is developed with a focus on providing a great user experience along with an interactive design. The users can search for desired options without any issues as the interface is quite user-friendly. You can do multiple banking operations through the mobile application. You can manage your account, transfer the funds wherever you want, get timely notifications, locate ABMs, and check the record for transactions to review the previously done transactions.

The best aspect of this application is that the user data is encrypted to ensure that the private information is safe from any sort of cyber breach. The app developers have taken the necessary steps to ensure data security and user protection so that the user can enjoy the amazing online banking experience without having to worry about data security. The data is encrypted and it can be deleted if the user requests the management to do so. This option is offered to win users’ trust in data safety so that they can use the application with confidence.

The application is available on both the App Store and Play Store with a rating of 4.7 and 4.5 on both platforms respectively.

Royal Bank of Canada

Royal Bank of Canada also famous by the name RBC is doing a great job to serve the credit card users in Canada. Users can also enjoy online banking through the RBC mobile application. The application offers great ease in conducting financial transactions to manage credit card expenses.

For safe usage, the app allows you to sign in through biometrics. This way you can ensure that no one else has access to your mobile application. You can also schedule your current and upcoming bills for your credit card. You can manage your account, and check out the balance limit and outstanding debt.

In addition to these operational services, RBC claims to offer the best security to conduct financial transactions through online banking applications. They even guarantee to pay back in full if any unauthorized transaction is conducted from your mobile app.

The application is available for both Android and Apple mobile phones. You can download the app for free through the app store and is operational on only IOS 14 or the latest version. You can also download it through the app store and it works well on OS 7.0 and the latest versions.

Its rating on the app store is 4.8 and 4.7 on the Play Store which shows that users are quite satisfied with this application.

BMO

Bank of Montreal also known as BMO offers a great banking experience to users through an online mobile application. You can conduct daily transactions so that you can easily manage your routine expenses. The application displays the running balance so that you can know where you stand in terms of the monthly credit limit. To see the available balance you need to tap in a few times but some people don’t want to infer the available credit limit on their own but want to see the amount directly.

The best part is that the record of all transactions is saved in the application so you can check out the history of your transactions. This way you can keep an eye on your old transactions which not only helps you to keep an eye on record but also helps you to manage your expenses.

The application works on biometric verification. It helps to add an extra layer of protection so that you are relaxed that no one else can get access to your mobile application and it is safe for you to operate only.

The rating of this app is a bit low on the Google Play Store which is 4.3 and for the App Store, the rating is 4.6.

American Express

American Express is one of the most famous credit card issuers in Canada. Also known by the name AMEX, this credit card issuer offers the best mix of product characteristics when it comes to credit cards. Along with the great features of credit cards their mobile app also facilitates the users to conduct financial transactions from anywhere anytime. The app allows you to schedule your payments so that it can automatically pay the bills when they are due. It is the most convenient way to pay routine expenses without having to worry about remembering the deadline.

Customer support is available for you on a 24/7 basis through online chat to assist you with your queries. The representatives help you to resolve all your app-related queries and guide you for a seamless experience. In addition, the app offers biometric verification to sign in to make sure that there is no room for unauthorized app access.

You can choose to pay overtime and avail of the option to get the benefit of the revolving credit line. The app also allows you to plan out your payment as per your budget. In addition, the app also sends notifications to you for all account activities especially purchase alerts to ensure that you have updated information about the credit card activities.

The rating on the app store is a whopping 4.8 whereas on the Play Store, the rating is very low at 4.1. This implies that though the application has great features, it may require some bug fixes and improvements on Android.

Scene+

Like other credit card issuers, Scene + has also launched its mobile app. This app connects you with your activity on the Scene+ credit card. It helps you to keep an eye on your transactions, outstanding debt, and the amount that you can use until the credit limit.

The best feature of this application is that it helps you track the points you have earned so far and the rewards that you can avail of. Rewards and benefits are the most lucrative feature of any credit card and having the ease to check out the rewards outlined more simply is surely easy for the users to monitor. When you win any bonus, you will get an instant message on your phone so that you can avail it as soon as possible.

The rating of this app is 4.0 on the Google Play Store and 4.5 on the App Store.