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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.21 (106 reviews)

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3.21

Based on 105 reviews, last reviewed 17th Apr 2026

200% 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:

5

It's a good, excellent product, I would recommend it. It's a good, excellent product, I would recommend it. Reviewed on: 17th April 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!

American Express American Express Credit Card reviews (106)

Review of the American Express, American Express Credit Card:

Doesnt work , customer service is hit and miss

Have been holding 3 AMEX for last 10 years and lately their quality has gone down. First of all the card doesn't work in 60% of shops (outside of USA) which is a big issue. Its okay to still hold it but the premium benefits it needs to offer are lacklustre in the UK. Lastly, customer service can be very good or very rude or uninformed. I cancelled a card to get an upgrade and then said that I am not eligible though my income being 5 times the required. High levels of discrimination toward existing customers also, seems to have popped in their heads, especially against small business owners. Reviewed on: 28th November 2024

Boosted my credit and earned me cash

I initially got an American Express credit card to improve my credit score and gain cash back. Years later I still use my Amex card and utilise it’s other perks including money off offers which change regularly and feature many different companies and products. The app is easy to use and payments can be made easily Reviewed on: 19th April 2026

It's a good, excellent product, I would recommend it.

It's a good, excellent product, I would recommend it. Reviewed on: 17th April 2026

The app is easy to use and gives you all the informa...

The app is easy to use and gives you all the information available. I can set up a direct debit and can defer payment for example if I need. The only issue is im not always sure what month I am looking at in the app and it isn't until the statement comes that is clear. Reviewed on: 16th April 2026

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

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