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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.91 (99 reviews)

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3.14

Based on 99 reviews, last reviewed 20th Dec 2025

No new 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

59%

15%

20%

Latest highest rating:

4

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

Latest lowest rating:

1

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... Read more Reviewed on: 20th December 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!

American Express American Express Credit Card reviews (99)

Review of the American Express, American Express Credit Card:

Great all rounder

Great all round card. Cash back for buying everyday items with an absolutely outstanding customer service team. Whenever had to call they have been polite, prompt and efficient. I trust them completely. Reviewed on: 28th January 2020

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

WHEN I NEEDED AMEX TO HELP THEY LET ME DOWN

I have had a Amex card for 30 years. Now I have a platinum business card and a personal card. I left my credit card details with British Airways and BA stole my money. Amex refused to refund me. I wonder if it has anything to do with BA and Amex being partners on the credit card. And the customer service at Amex was rude and dismissive. But they are very good at taking £650 in fees per year. Reviewed on: 7th February 2025

Poor Service, NOT WORTH THE £650e.

Poor Service, NOT WORTH THE £650e.. Very poor service... Been with them for 8 years paying £650 per year subscription. This Christmas they stitched us, dropped the level of credit and refused all payments despite no defaults or any missed payments. We are now coming away from Amex, the benefits are not really benefits any more ie Airport Lounge access.... You can hardly get is.... Customer service for Platinum card holders is now shockingly poor..... Save your money, use one of the challenger banks such as Allica.... Reviewed on: 1st January 2025

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

Customer service level of zero

I received my British Airways American Express card and set up a direct debit to pay off the full sum when it became due. Amex did not take the funds when they were due and subsequently sent me a letter advising they were charging me interest and a surcharge and threatened further action. I telephoned and they apologised for their error but advised they were not able to remove the interest from my account. I cancelled the card which required over thirty minutes on the telephone with an unhelpful person the other end. I also paid the balance. They then refunded the card fee. A month or so later they advised I owed them £16.44 but no reason given as to why. Despite two letter from me they continue threatening action. I shall write to Hannah Lewis who is their CEO I the UK. My advice is do not get an American Express Card, especially as nobody wants to take anyway. Reviewed on: 17th September 2024

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

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

Dependable card that always does what it should, Nev...

Dependable card that always does what it should, Never had any problems with the app nor with the direct debits Reviewed on: 5th June 2024

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