Write a review

American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.05 (86 reviews)

View other American Express products

3.39

Based on 86 reviews, last reviewed 1st Jan 2025

100% decrease in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

62%

15%

16%

Latest highest rating:

5

American Express credit card is a great credit card,... American Express credit card is a great credit card, especially the Cashback available Reviewed on: 26th August 2024

Latest lowest rating:

1

Poor Service, NOT WORTH THE £650e. Poor Service, NOT WORTH THE £650e.. Very poor service... Been with them for 8 years paying £650 per year subscription. This Christmas they stitched us... Read more Reviewed on: 1st January 2025

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 (86)

Review of the American Express, American Express Credit Card:

Poor Customer Service and Mismanagement

*Subject: Poor Customer Service and Mismanagement – Consider Switching to Visa or Mastercard** I am extremely disappointed with the service I’ve received from American Express. Despite requesting multiple times to change my debit date from the end of the month to mid-month, nothing was ever done. Each request was ignored or mishandled. On top of that, I was advised to transfer funds to lower my balance, which I did, only to find that Amex still charged me the full amount without considering my credit. The credit was rolled over to the next month, which was not helpful. I asked for the credit to be refunded to my bank account and was assured it would be. After waiting over 25 days, nothing happened. When I followed up, I was told the system had canceled the request, despite receiving multiple confirmations that the money would arrive by a specific date. Adding to the frustration, I was informed I could withdraw money from an ATM. I even calculated my withdrawal limit with one of the agents. But when I went to the ATM, I received a message saying, “Please contact your bank.” Upon contacting Amex again, I was told I’m not allowed to withdraw until one year has passed, something that was never mentioned before. The level of miscommunication, poor customer service, and repeated failures to follow through are unacceptable. I expected far better from a company like Amex. If you are considering a credit card, I strongly suggest running away from Amex and transitioning to Visa or Mastercard. Their services and customer care are far more reliable, and you won’t have to endure the endless frustrations I’ve encountered with Amex. Reviewed on: 6th September 2024

Great service, great card

Very good benefits and excellent customer service. Very happy with my Amex credit card Reviewed on: 14th June 2021

Great customer service and fraudulent identification in.

I’ve had issues with chargers and they are great to get refunds. Also identified a fraudulent transaction before processing a 3,250 US dollar charge for an online reservation with Philippine Airlines. Reviewed on: 14th June 2021

Quick application process

Decision was quick and card and details sent promptly Reviewed on: 15th April 2021

Quality with rewards

Amex is a breeze. I get cashback, rewards, and easy transactions. Reviewed on: 9th July 2020

Great card, would recommend

Unlimited expenditure available, discounts available, regular updates and communication from company. would always recommend Reviewed on: 12th June 2020

Expressive

With Amex, I was able to afford those extra little luxuries and simultaneously earn Airmiles for travel. Sensible limit and good APR. The only downfall is sometimes these particular cards aren't accepted in some places. Reviewed on: 28th May 2020

My default credit card

I have had an American express rewards card for over 10 years. It is free and I get triple points on Supermarket shopping and standard points on all my other purchases - these come in handy at Christmas time Reviewed on: 8th February 2020

Great all rounder

Great all round card. Cash back for buying everyday items with an absolutely outstanding customer service team. Whenever had to call they have been polite, prompt and efficient. I trust them completely. Reviewed on: 28th January 2020

Top-tier Service

Unbeatable, love and definitely have faith in AMEX. Reviewed on: 27th January 2020

Outstanding

American Express customers service is on the ball very helpful and they sort problems straight away plus it doesn’t take forever to answer your call because they are open 24/7. All the information is always up to date and the service is simply the best if they had a bank account I would join straight away Reviewed on: 19th January 2020

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

Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
Initial Credit Card
from Barclaycard 4.21 from 115 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.17 from 13 reviews

There's still more to see!

American Express has a range of products available. Check the ratings of each product to find the right one for you. 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