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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.12 (103 reviews)

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3.12

Based on 103 reviews, last reviewed 3rd Apr 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

16%

21%

Latest highest rating:

4

My AmEx card has been great. My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points for stuff I'd already be... Read more Reviewed on: 24th March 2026

Latest lowest rating:

1

American Express has become a complete joke. American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading. My busines... Read more Reviewed on: 3rd April 2026

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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 (103)

American Express has become a complete joke.

American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading. My business has held an American Express Platinum card for years, paying the £650 annual fee without fail. We have an excellent credit history, both with American Express and other providers, and have always made payments on time. The main selling point of the Platinum card is that it supposedly has no preset spending limit, giving you flexibility when you need it. However, after not using the card for some time, I made a relatively small purchase of around £800. Immediately, I was bombarded with emails and text messages warning that if I didn’t make a payment right away, future transactions would be declined. When I contacted customer service via chat and phone, the experience was even more frustrating. The representatives I spoke with, Rachel and a senior staff member called JR, seemed to have no clear understanding of the situation or why this was so disappointing. It is unacceptable to pay such a high annual fee for a “premium” card that turns out to be unreliable and restrictive. Despite claiming there is no preset limit, they effectively impose one based on usage—yet refuse to clearly disclose what that limit is. So in reality, you can hold the card for years, continue paying the £650 annual fee on time, and yet be left with a spending limit of effectively £0 simply because you haven’t used it regularly. That is what they call “flexibility.” This completely defeats the purpose of having a Platinum card. For a long-standing, loyal customer with a perfect payment history, this experience is both disappointing and infuriating. Reviewed on: 3rd April 2026

My AmEx card has been great.

My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points for stuff I'd already be buying is a really nice bonus. I also spend for work, which then gets reimbursed, but I get the points on the purchase anyway, which is amazing. It's especially good if you convert your rewards points to Avios points as I do, because when you buy plane tickets you essentially get double points, one per pound spent on the card, on top of the points you already get via the airline. Reviewed on: 24th March 2026

Worse Bank EVER

Not enough, the interest is high but the customer service is the worst and completely useless! They answer calls after 30 minutes of waiting, if you’re lucky enough to get connected. My issue has been ongoing for 2 months now, despite being promised it would be solved within 5–10 working days. I’ve raised maybe 2 complaints, but they said someone may or may not look into them. The worst bank so far! Reviewed on: 23rd January 2026

Using this bank and credit card for 2 years.

Using this bank and credit card for 2 years. It is fair option when I want something which is just too pricey for that moment and can ease the stress from not having any money Reviewed on: 22nd January 2026

Deceitful company with terrible customer service

At the time I opened an American Express card a bonus of $500 was presented should I purchase a ticket within the first 6 months which I did. No bonus given. When inquired about it I was told the ticket had to be purchased by the middle of the month not by the end of the month. Nobody informed me about that. Upon multiple requests nothing was resolved. I closed the account. Reviewed on: 20th December 2025

25 Years of Loyalty, Repaid with a $40 Insult

After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter century—I never expected the company to show such a stunning lack of appreciation for my loyalty. I recently paid my balance in full less than 24 hours after it posted, only to find a $40 fee added to my account. Given my long, responsible track record, I expected what any reasonable customer would: a quick review, a moment of common sense, and a simple one-time courtesy waiver. Instead, I was met with a flat, impersonal refusal—no exception could be made. It’s not the $40 that matters. It’s the disrespect. American Express has long marketed itself as the gold standard of customer service and premium care, but when given the opportunity to demonstrate those values to a loyal, decades-long customer, it hid behind rigid policy rather than exercising even a shred of discretion. The irony is that with my excellent credit score, I receive multiple credit card offers every week, many with better perks, more flexible customer service, and superior rewards. Until now, I stayed with American Express out of loyalty and habit. But this experience made one thing painfully clear: that loyalty is not reciprocated. As a result, I will be closing my American Express account and seriously considering one of the many competing cards eager to treat reliable customers with the respect they deserve. If this is how American Express chooses to value a customer of 25+ years, they shouldn’t be surprised when those customers decide to take their business elsewhere. Reviewed on: 23rd November 2025

Worst company ever

They overcharged me and even though i could show that i didnt make those transactions they sided with the me4chants. They also double charge some transactions and when i pointed that out the operator was clearly out of her comfort zone as she didnt know what to say. Finally, despite requesting a refund for the amex annual fees they havent done so, they are purposely slow in responding and most of the time their emails are difficult to understand ( on purpose). Reviewed on: 30th September 2025

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

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