Write a review

Go to business site

American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.21 (106 reviews)

View other American Express products

3.21

Based on 105 reviews, last reviewed 17th Apr 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

16%

21%

Latest highest rating:

5

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

Latest lowest rating:

1

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 busines... Read more Reviewed on: 3rd April 2026

Read all reviews See your review

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 (106)

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

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

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

Do you have a different American Express product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Platinum credit cards
from Barclaycard 3.89 from 321 reviews
Aquis Card
from Vanquis 4.31 from 41 reviews
Nectar Credit Card
from American Express 3.33 from 14 reviews

Want to see more from American Express?

Gold Credit Card
from American Express 4.74 from 25 reviews
Platinum Cashback Credit Card
from American Express 4.57 from 69 reviews
British Airways credit card
from American Express 4.44 from 87 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub