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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.73 (120 reviews)

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3.73

Based on 120 reviews, last reviewed 18th Jun 2026

1100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

59%

17%

19%

Latest highest rating:

5

Amex cards are great value. I have had various Amex cards over the years and have found them to be great value for money between the items acquired via points, and discounts/bene... Read more Reviewed on: 12th June 2026

Latest lowest rating:

1

Extremely disappointing experience as a merchant. Extremely disappointing experience as a merchant. American Express appears to make it far too easy for customers to initiate chargebacks, even where ... Read more Reviewed on: 18th June 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!

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American Express American Express Credit Card reviews (120)

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

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

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