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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.94 (98 reviews)

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3.22

Based on 98 reviews, last reviewed 23rd Nov 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

60%

15%

19%

Latest highest rating:

4

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

Latest lowest rating:

1

25 Years of Loyalty, Repaid with a $40 Insult After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter ce... Read more Reviewed on: 23rd November 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 (98)

Finance

Not acceptable in some stores . Mostly use it to order stuff online. High interest rate Reviewed on: 31st July 2021

Superb customer service

Always professional and customer-focussed Reviewed on: 8th July 2021

Excellent app, great customer care

The app is very user friendly and the statements are very clear. When I raised a query It was dealt with swiftly and efficiently. Also have a good cash back scheme, especially for the first 3 months Reviewed on: 15th June 2021

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

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