Write a review

American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.03 (95 reviews)

View other American Express products

3.44

Based on 95 reviews, last reviewed 8th Jul 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

16%

17%

Latest highest rating:

4

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

Latest lowest rating:

1

AmEx global card transfer program does not work Anticipating a move from the US to the UK, I got am American Express card, planning on using their global card program to apply for a UK-based AmEx ca... Read more Reviewed on: 8th July 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 (95)

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

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

Simple to sign up and use great for an oldie with easy password retrieval

I have held my American Express card for some years now. Originally I signed up for cash back, but I have stuck with AE because the customer service is really good and the card is easy to use. Also if it's been a while since I have used it, pin number retrieval is quick and simple. Reviewed on: 9th June 2019

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

Nectar Credit Card
from American Express 3.81 from 12 reviews
Everyday spending credit cards
from Halifax 3.94 from 72 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews

Want to see more from American Express?

Gold Credit Card
from American Express 4.60 from 24 reviews
Platinum Cashback Credit Card
from American Express 4.50 from 69 reviews
Credit Card
from American Express 4.46 from 122 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