A mobile wireless communications device may include a housing, a wireless transceiver carried by the housing, a memory carried by the housing, a display carried by the housing, and a processor carried by the housing. The processor is configured to implement a digital wallet including a multi-mode user card having first and second user interface modes, and selectively change the multi-mode user card from the first user interface mode to the second user interface mode based upon a current location, a current time, or a determined event. The second user interface mode includes one or more of a mapping interface mode, a survey interface mode, or a purchase interface mode.