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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.21 (106 reviews)

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3.21

Based on 105 reviews, last reviewed 17th Apr 2026

200% 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:

5

It's a good, excellent product, I would recommend it. It's a good, excellent product, I would recommend it. Reviewed on: 17th April 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!

American Express American Express Credit Card reviews (106)

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

American Dream

The team have been very supportive of my financial needs and personal situation. Reviewed on: 9th February 2023

Free reward offers included!

Needed a simple card to keep an eye on my spending during a 3 week trip. This ticked all the boxes and more offers are available as time goes on (got good cashback on easyjet holidays and paid immediately!) Reviewed on: 30th January 2023

Brillant provider Crrdit cards

Great American Express, easy app and very good customer service Reviewed on: 16th January 2023

Terrible company that doesn't care

American express are a company that doesn't care about their customers. They do not read customers communications and they do not communicate. I would highly recommend staying away from the brand. Reviewed on: 13th January 2023

Platinum Cashback card

Nice to have a cashback card with no annual fee, supplemented with further offers and the Shop Small campaign. Reviewed on: 3rd April 2022

Well it's amex

App is quite good. Plenty of schemes and offers. Only issue is being AMEX it can't be used everywhere. Reviewed on: 26th February 2022

It's so much good that you will stop using any other cards.

The best thing about having AMEX is that you never wait several minutes to connect to the customer service team. The max time I have ever waited is like 2-3minutes. Issues are solved on the spot no waiting or call later kind of silly responses. Customer agent knows that he/she is doing or needs to do. Reviewed on: 27th January 2022

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

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