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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.1 (93 reviews)

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3.56

Based on 93 reviews, last reviewed 21st Apr 2025

500% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

63%

16%

15%

Latest highest rating:

4

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

Latest lowest rating:

1

WHEN I NEEDED AMEX TO HELP THEY LET ME DOWN I have had a Amex card for 30 years. Now I have a platinum business card and a personal card. I left my credit card details with British Airways and B... Read more Reviewed on: 7th February 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!

American Express American Express Credit Card reviews (93)

Review of the American Express, American Express Credit Card:

Useless Customer Service and Dispute Team

RUBBISH CREDIT CARD AND CUSTOMER SERVICE!!! STAY AWAY!!! I bought a very expensive kitchen appliance from a prestigious online marketplace. After 3 months the appliance stopped connecting to the Internet, so I sent it to the manufacturer for repair. The manufacturer immediately contacted me to let me know that the item was part of a large lot of stolen appliances, and they confiscated it as it belonged to them. The marketplace refused to provide a refund, as the seller had already disappeared with my money, but that's a separate story and also a separate review/feedback. Given that I was basically sold fraudulently a stolen good I was 100% convinced that Amex would have protected me fighting "tooth and nail". In reality they found every possible way to deny me any kind of protection and refund. Their “purchase protection” scheme was denied because the item was allegedly bought "privately" even if it was a brand new item. The main dispute was denied basically without any comprehensible explanation although the true reason is that they operate a charge-back system, so if the merchant isn't happy with the charge-back (and who would be?) then Amex tends to favour the merchant (otherwise they might lose a big chunk of business which is a lot worse than losing just one private customer) and submit a one liner explanation which doesn't mean anything 99% of the times. Most of the denials happened only hours (sometimes less) after I raised the disputes and there was never a way to fully understand the reason behind them. The most common explanation was "the merchant has provided their terms and conditions"... Ok and so what? The terms of conditions of the merchant certainly don't cover selling stolen goods. Other times the response was that I didn’t return the item. The item was a “stolen good” therefore it got confiscated by the manufacturer. Besides returning a “stolen good” to the thief? It clearly meant that they never bother to read the one pager explanation I provided with the claim. The ice on the cake, however, was the final attempt to get a refund under the “Section 75” of the Consumer Credit Act, the law that should protect British customers better than anywhere else in the world... This was the only case when the "Dispute Team" bothered to read the details of the issue/dispute and they suddenly became shrewd lawyers and declined the refund on the legal ground that the "contractual chain" between the buyer and seller was interrupted by the marketplace. In reality the seller, to all extents and purposes, at least from my point of view, was the marketplace itself but that's a different story, one for the courtrooms… All in all, there is just a deep sense of being completely, utterly abandoned and neglected by the one of the largest and most effluent credit cards on the planet. Their standard "dispute" system is just a joke where they only move money from one party to another, without any shred of time/money effort spent by themselves to evaluate the facts and try to resolve the dispute in terms of what is right and fair. It should have been a “slam-dunk” case as I had all the police reports about the theft and the consequent fraud I was subjected to. USELESS!!! STAY AWAY!!! Reviewed on: 12th June 2023

Great Reward Credit Card

We changed our current credit card to the American Express card with cash back rewards. It gives a great introductory offer and then continues with cash back throughout which you can access at the end of the year! It will be great to have a sum of money for a treat! Reviewed on: 2nd June 2019

Trusted Card Provider

Great customer service via UK call centre, the phone app is functionally rich and easy to navigate, decent cash back and retailer specific offers Reviewed on: 18th May 2019

TOP QUALITY CREDIT CARD

ALWAYS GREAT SERVICE AND VERY GOOD CASH BACK INCENTIVE MAKE IT A NO BRAINER TO GET ONE! Reviewed on: 15th April 2019

ms

the process of applying for the credit card was simple and relatively easy it arrived promptly within a couple of days Reviewed on: 15th April 2019

Amazing rewards & offers

Amex is straight fire. Only called once their service line once and they were outstanding. The app is super intuitive, it's very easy to browse offers and save them to your card for later use. Reviewed on: 21st December 2018

great rewards

Useful rewards, loyalty points and more. Reviewed on: 17th December 2018

Very amazing bank account and unlimited withdrawals even more amazing as this is not like any other bank.

Very amazing bank account and unlimited withdrawals even more amazing as this is not like any other bank. very nice experience seemless and smooth payments. Reviewed on: 21st November 2018

not fair

great card will be sent to your adress ..haha i open letter sorry not this time.... Reviewed on: 1st June 2018

Platinum Card

Excellent benefits, great service, in particular the travel insurance feature. It covers my whole family everywhere. So many benefits attached to this card the fee is well worth it especially if you are a frequent business traveller. Reviewed on: 20th April 2018

great offers

Good customer service along with don't get offers and rewards. I would definately recommend Reviewed on: 6th April 2018

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