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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4 (96 reviews)

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3.33

Based on 96 reviews, last reviewed 4th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

60%

16%

18%

Latest highest rating:

4

Great offers on everyday purchases Great offers on everyday purchases Reviewed on: 21st April 2025

Latest lowest rating:

1

Liars and Thieves Now that I have made 2 payments in 5 days. One of them you stole. You accepted my payment then told me it got returned so I paid it again. 5 days late... Read more Reviewed on: 4th September 2025

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About this product

Smart Money People is the UK's #1 place for financial services reviews, including of The American Express Card - the flagship card launched by Amex in 1969. With a whole host of benefits, read our consumer reviews before deciding whether this is the right card for you - our community comments on their experiences with the card's Membership Rewards scheme, customer service received from Amex, and anything else they liked or didn't like about this credit card. Already have The American Express Card? Please leave some comments of your own and let others know what you think about this card!

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American Express American Express Credit Card reviews (96)

Liars and Thieves

Now that I have made 2 payments in 5 days. One of them you stole. You accepted my payment then told me it got returned so I paid it again. 5 days later you reprocess the original payment without my knowledge even though you already received a different payment. Now you put a hold on my account I've sent almost $200 to your conpany. The original payment was $95 and I still can't use my card. Worst credit card provider and customer service. DO NOT TRUST THIS COMPANY. Reviewed on: 4th September 2025

AmEx global card transfer program does not work

Anticipating a move from the US to the UK, I got am American Express card, planning on using their global card program to apply for a UK-based AmEx card once I arrived. This was highly attractive as it bases an UK application approval on the existing US credit card and credit score, a boon for expats establishing credit for the first time in the UK. Everything went smoothly with the American card, however my UK application was a big disappointment. They are very rigid in their evaluation process, and are entirely unable to appropriately handle non-conventional situations. In my case as an early retiree, they are unable (unwilling?) to look at my assets. I provided my tax return from last year which they were unable to read. I offered to point out the page and line where my income was reported, and they declined the clarification. They requested I spend money to have a UK-based accountant reiterate the income information provided on my tax return to allow the application process to proceed. Multiple millions in invested assets, $200+ income reported on a tax return, 20+ years of excellent credit in the US, and AmEx is unwilling to make the smallest effort to properly evaluate my situation and extend a credit card. I am deeply disappointed with this experience. I will cancel my US-based AmEx card and encourage everyone around me to avoid this company. Reviewed on: 8th July 2025

! AVOID!!! You have been warned

Just freeze your accounts with no notice or reason! They don’t care about you at all ! No one to talk to as all they can say is that it is automated . AVOID AT ALL COST! YOU GAVE BEEN WARNED Reviewed on: 14th May 2025

Great offers on everyday purchases

Great offers on everyday purchases Reviewed on: 21st April 2025

they dealt with a fraudulent transaction very quickly

they dealt with a fraudulent transaction very quickly Reviewed on: 19th April 2025

Very good experience all around.

Very good experience all around, I love the benefits and cash back that I get from it and am very pleased with the speed and quality of service as well as the feeling of being part of an international bank. Reviewed on: 26th March 2025

Good cashback and easy to use app

Good cashback and easy to use app Reviewed on: 20th March 2025

Customer service is just excellent!

Customer service is just excellent, issues resolved promptly, a great service with great products such as cashback! Reviewed on: 18th March 2025

Excellent finance provider

Love the fact that I can get decent cashback on certain purchases (although majority are with luxury companies). I've never used another credit card provider, but AMEX has a great customer service and they've helped me every time I've had an issue. Quick, efficient and nice service. Reviewed on: 8th March 2025

Really helpful and responsive.

Really helpful and responsive. Always deal with any issues quickly. Reviewed on: 26th February 2025

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