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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.08 (85 reviews)

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3.46

Based on 85 reviews, last reviewed 2nd Dec 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

15%

Latest highest rating:

5

American Express credit card is a great credit card,... American Express credit card is a great credit card, especially the Cashback available Reviewed on: 26th August 2024

Latest lowest rating:

1

If I could rate below zero I would. If I could rate below zero I would. Applied to add second car holder, so they asked me to call Fraud protection department. Phoned 1st time 25mins wai... Read more Reviewed on: 2nd December 2024

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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 (85)

Review of the American Express, American Express Credit Card:

Poor Customer Service and Mismanagement

*Subject: Poor Customer Service and Mismanagement – Consider Switching to Visa or Mastercard** I am extremely disappointed with the service I’ve received from American Express. Despite requesting multiple times to change my debit date from the end of the month to mid-month, nothing was ever done. Each request was ignored or mishandled. On top of that, I was advised to transfer funds to lower my balance, which I did, only to find that Amex still charged me the full amount without considering my credit. The credit was rolled over to the next month, which was not helpful. I asked for the credit to be refunded to my bank account and was assured it would be. After waiting over 25 days, nothing happened. When I followed up, I was told the system had canceled the request, despite receiving multiple confirmations that the money would arrive by a specific date. Adding to the frustration, I was informed I could withdraw money from an ATM. I even calculated my withdrawal limit with one of the agents. But when I went to the ATM, I received a message saying, “Please contact your bank.” Upon contacting Amex again, I was told I’m not allowed to withdraw until one year has passed, something that was never mentioned before. The level of miscommunication, poor customer service, and repeated failures to follow through are unacceptable. I expected far better from a company like Amex. If you are considering a credit card, I strongly suggest running away from Amex and transitioning to Visa or Mastercard. Their services and customer care are far more reliable, and you won’t have to endure the endless frustrations I’ve encountered with Amex. Reviewed on: 6th September 2024

im a long time customer, aleays with me

im a long time customer, aleays with me Reviewed on: 6th March 2024

Not too good at all.

Not too good at all. My card was cancelled without notice. Because I have not used for 3 months. Reviewed on: 10th February 2024

Bad contact

I am relatively new to Amex and was about to make my first repayment, only to be told it was late. I had no communication, no call, text or email beforehand. Very poor. Reviewed on: 31st January 2024

NOT WORTH THE MONEY or POINTS

Long story short, trying to transfer my points to another airline is taking me two weeks. WEBSITE LACKING CURRENT VALID INFORMATION The website is not updated to the required standards lacking current information (unable to transfer points online, you have to call in person) BENE TRYING THIS FOR 1 WEEK NOW LOL REPRESENTATIVES over the PHONE (unprofessional) Spoken to representatives who hung up on me (date in question 14/01/24) call made @11:40 am UK time LOL 2nd REPRESENTATIVES Unable to direct me to a higher manager for a complaint ( date in question 14/01/24) call made 11:52 spoke to Ronald or Donald unable to help me LOL SECURITY PROTOCOL OVER THE PHONE When trying to ring the security protocol, not responsive and not working, when entering the details correctly, the system not working having to repeat all of the information when speaking to a representative LOL FROM ME TO ALL NEW CUSTOMERS (DON'T USE) - points not worth the money you spend (unless you have a family of four and your outgoings are more than £3000 a month don't know waste your money on your points) - USING YOUR POINTS FOR AEROPLANE TICKETS If you're going to buy new tickets with your points, you need to spend above £3000 a month to make it worthwhile -THE INSURANCE that comes with using your points, or a credit card on this AMX, it's pointless (insure Chubb security firm, a very basic very minimum insurance you will get everything has to be in your name) Reviewed on: 20th January 2024

Great company

American express is the best company and has excellent customer service Reviewed on: 17th January 2024

high charges when purchasing items, high interest charges

high charges when purchasing items, high interest charges dont join if you smart Reviewed on: 15th November 2023

a card seemingly don't want you to spend on

I received my gold business charge card that is marketed as a way of earning rewards on your business expenses. I tried to use but found I was running out of "spending power" after a day or two so then the card was declined, I had to pay it off and restart... I was told that you have to do this for a month before it will get to where you need it to be... You also can't see what you're spending power is, you have to enter an amount to see if it will be accepted so you start with your biggest incoming business expense and work down to see what you can pay - after three "no's" you can't check it for 24 hours. A card that is not fit for purpose from a provider that doesn't seemingly want you to be able to spend - I was unable to spend even £1,000, we're only a small business so I'm not sure what micro-sized business this is for that spends less than £1,000/month! Reviewed on: 10th October 2023

Good

Handy to use and cheap for financial use Reviewed on: 27th September 2023

American Express

Professional - I’ve been using this for many years. The incentive is having cash back and not having to pay the balance immediately Reviewed on: 23rd August 2023

Well worth having in your wallet

I've had my Amex card for a number of years, and have always been very pleased with the level of customer service and the efficiency of the app. Though there are still some places that don't accept payment with American Express I think they're getting fewer. The perks of the card are good too. And I love that my card is see-through!! Reviewed on: 12th August 2023

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