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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.97 (97 reviews)

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3.26

Based on 97 reviews, last reviewed 30th Sep 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

15%

19%

Latest highest rating:

4

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

Latest lowest rating:

1

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 tran... Read more Reviewed on: 30th September 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 (97)

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

Referral links: failure to honour the use of a link

Referral links: you click on it and navigate to a dedicated landing page. It’s not the card you want, so where do you go to not break the link? Top left button or buttons in the footer of the landing page? Both take you to the same place to see other card options but my hunch is the links available in the footer don’t retain the referral link and break it - so why is this route possible on a landing page that offers the same thing at the top? Two ways of achieving the same thing shouldn’t exist - you break the link without knowing it. Complaints “the marketing team would know if there was an issue. The link wasn’t used (ie your fault) and I can’t test it myself to confirm your theory. Complaint closed and not honouring points.” Wonderful - I’m closing my account after 13 years of loyalty as a result of such poor handling and asserting I’m not capable of clicking a link. Reviewed on: 3rd April 2024

Dreadful card - no one accepts it

Dreadful card, no one accepts it hardly and for the one retailer that did I couldn’t use it as credit limit was too low and I couldn’t get it increased. A joke really! Reviewed on: 21st March 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

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