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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.12 (103 reviews)

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3.12

Based on 103 reviews, last reviewed 3rd Apr 2026

100% 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:

4

My AmEx card has been great. My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points for stuff I'd already be... Read more Reviewed on: 24th March 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

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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!

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American Express American Express Credit Card reviews (103)

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

Really happy with them

I have been using it from Feb 23 and been quite satisfied with the customer service and the card. Reviewed on: 12th June 2023

Disappointing offers

Platinum now has minimum requirement, and most of the offers are London centric. But customer service is spot on and responds quickly when you have claims. Amex needs to offer more wide range of offers all around the U.K. and not just London based businesses. Reviewed on: 11th June 2023

Best customer service and perks

While they offer the highest cashback and reward rates they're my top way to pay Reviewed on: 9th June 2023

Cashback but heavy charges for sellers

It is great using the Amex card with big companies as you get a little bit of cashback as well as being able to delay payment a month without incurring interest. However a local coffee shop owner said he doesn't accept it because he is charged £1.08 per transaction. This does seem high given for a typical transaction there the cashback I might earn is around 4p. Still, for big companies and large payments it is great. Reviewed on: 31st May 2023

Best customer service

On numerous occasions I have dealt with suppliers that refuser to provide refunds in a timely manner. Amex provides the security to take risks and their customer service representatives make the process seemless. Reviewed on: 31st May 2023

Platinum credit card

I’m delighted with my credit card .I obtain cashback on purchases and the website is easy to use.When I had a fraudulent transaction the customer service was excellent. Reviewed on: 31st May 2023

Their customer service sucks eggs! And they could use some people skills.

Money, money, money, money! That's all they're about, and they were boast all day about the features of their card service, I remember this is not a credit card, this is a club membership, and they act accordingly. Their customer service is available only a few hours a day even for their premium cards. And unfortunately, they are extremely poor at people management. I feel sorry for the people who work there because they don't deserve the venom their poor service evokes in their customers. Reviewed on: 25th April 2023

best customer service

if there's a problem, they actually answer the phone Reviewed on: 8th April 2023

Amex cash back

Love this credit card. Use it for everyday spending and once a year get a percentage given back of what you’ve spent. Be stupid not to use it. Reviewed on: 5th April 2023

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