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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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3.16

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!

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American Express American Express Credit Card reviews (99)

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

Use my link for a sign up bonus

https://americanexpress.com/en-gb/referral/aBDULMlLP1?XL=MNANS Use my referral code and get an extra 26000 avios points. Reviewed on: 30th March 2023

Great interest rates for the first 3 months

Great interest rates for the first 3 months - after that, Amex becomes a very average credit card with not lost of advantages Reviewed on: 23rd March 2023

Effective

Such a grate life saver when I have a emergency bill or pay out and very fair to customers, plus builds cash back and builds my credit score Reviewed on: 23rd March 2023

Just excellent

Exceptionally good service, I have never had a credit card before, having the American Express card and paying it off each month has given me an excellent credit rating, and I’m earning air miles. I cannot recommend them enough. Reviewed on: 10th March 2023

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