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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.71 (120 reviews)

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3.71

Based on 120 reviews, last reviewed 18th Jun 2026

1100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

59%

17%

19%

Latest highest rating:

5

Amex cards are great value. I have had various Amex cards over the years and have found them to be great value for money between the items acquired via points, and discounts/bene... Read more Reviewed on: 12th June 2026

Latest lowest rating:

1

Extremely disappointing experience as a merchant. Extremely disappointing experience as a merchant. American Express appears to make it far too easy for customers to initiate chargebacks, even where ... Read more Reviewed on: 18th June 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 (120)

Good customer experience.

Good customer experience. Major problem is card not accepted everywhere. Reviewed on: 11th June 2026

All their credit cards are good for day to day purch...

All their credit cards are good for day to day purchase. Reviewed on: 9th June 2026

Quick and helpful

That’s an amazing service, happy to taking this service. Reviewed on: 9th June 2026

I had a great experience using my American Express c...

I had a great experience using my American Express credit card. The transaction was smooth, and the app made it easy to track everything in real time. It felt secure, reliable, and worth using for everyday spending. Reviewed on: 20th April 2026

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

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