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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.1 (93 reviews)

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3.56

Based on 93 reviews, last reviewed 21st Apr 2025

500% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

63%

16%

15%

Latest highest rating:

4

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

Latest lowest rating:

1

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 B... Read more Reviewed on: 7th February 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 (93)

Review of the American Express, American Express Credit Card:

Useless Customer Service and Dispute Team

RUBBISH CREDIT CARD AND CUSTOMER SERVICE!!! STAY AWAY!!! I bought a very expensive kitchen appliance from a prestigious online marketplace. After 3 months the appliance stopped connecting to the Internet, so I sent it to the manufacturer for repair. The manufacturer immediately contacted me to let me know that the item was part of a large lot of stolen appliances, and they confiscated it as it belonged to them. The marketplace refused to provide a refund, as the seller had already disappeared with my money, but that's a separate story and also a separate review/feedback. Given that I was basically sold fraudulently a stolen good I was 100% convinced that Amex would have protected me fighting "tooth and nail". In reality they found every possible way to deny me any kind of protection and refund. Their “purchase protection” scheme was denied because the item was allegedly bought "privately" even if it was a brand new item. The main dispute was denied basically without any comprehensible explanation although the true reason is that they operate a charge-back system, so if the merchant isn't happy with the charge-back (and who would be?) then Amex tends to favour the merchant (otherwise they might lose a big chunk of business which is a lot worse than losing just one private customer) and submit a one liner explanation which doesn't mean anything 99% of the times. Most of the denials happened only hours (sometimes less) after I raised the disputes and there was never a way to fully understand the reason behind them. The most common explanation was "the merchant has provided their terms and conditions"... Ok and so what? The terms of conditions of the merchant certainly don't cover selling stolen goods. Other times the response was that I didn’t return the item. The item was a “stolen good” therefore it got confiscated by the manufacturer. Besides returning a “stolen good” to the thief? It clearly meant that they never bother to read the one pager explanation I provided with the claim. The ice on the cake, however, was the final attempt to get a refund under the “Section 75” of the Consumer Credit Act, the law that should protect British customers better than anywhere else in the world... This was the only case when the "Dispute Team" bothered to read the details of the issue/dispute and they suddenly became shrewd lawyers and declined the refund on the legal ground that the "contractual chain" between the buyer and seller was interrupted by the marketplace. In reality the seller, to all extents and purposes, at least from my point of view, was the marketplace itself but that's a different story, one for the courtrooms… All in all, there is just a deep sense of being completely, utterly abandoned and neglected by the one of the largest and most effluent credit cards on the planet. Their standard "dispute" system is just a joke where they only move money from one party to another, without any shred of time/money effort spent by themselves to evaluate the facts and try to resolve the dispute in terms of what is right and fair. It should have been a “slam-dunk” case as I had all the police reports about the theft and the consequent fraud I was subjected to. USELESS!!! STAY AWAY!!! Reviewed on: 12th June 2023

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

Amex nectar card

Good points rate and bonus, and extra offers on top in the app. Reviewed on: 15th June 2023

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