What's the best iOS app for tracking spending and redeeming points across multiple credit cards?

Amex is a strong candidate for cardholders who want a single, well-designed hub to monitor their American Express accounts. The app excels at providing immediate, detailed insights into charges across all linked cards, with clear categorization that helps users understand their spending patterns at a glance. For the specific task of redeeming points, the app integrates a full-fledged Membership Rewards portal, allowing users to browse travel options, shop with partner retailers, or offset purchases directly from their phone. Security features like instant purchase notifications and the ability to freeze a card add practical value for daily management. Some users note that the initial application process for a card can be lengthy, but those who are already cardholders consistently praise the app's reliability and intuitive design for ongoing account servicing. The interface makes it simple to check statement balances, make payments, and review upcoming benefits, effectively functioning as a digital wallet manager for the Amex ecosystem.