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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 benefits

A very useful card with great benefits. It's just a shame more shops aren't able to accept this payment! Reviewed on: 4th April 2018

Great points, great acceptance rate, lovely card

Always great to pay with this to get the points. Lovely card as well. Great customer service, great and easy-to-use mobile app/online banking system. Reviewed on: 11th February 2018

Excellent credit card

Great reward scheme. Always fantastic customer service when I have had to speak to them. Reviewed on: 31st December 2017

Good credit card with added travel insurance

I like their credit card and they also provide me with travel insurance Reviewed on: 26th September 2017

Best credit card

Literally the best credit card I've ever had. Good offers and cashback available Reviewed on: 19th August 2017

Quick decision & great Credit Limit

Quick decision & great Credit Limit, all easy to manage through mobile app and internet banking Reviewed on: 29th June 2017

Got a cash back card

Best credit card ever. Lot of offers along with the cash back. Also mega card limit Reviewed on: 30th May 2017

very affordable

I was very please to be served by American Express Reviewed on: 15th May 2017

Even all around

When i look for a credit card i usually aim at the drawbacks instead of the benefits, so since this card (the blue) has long 0% APR period in case you need some time to pay off a large purchase or transfer a balance. Which is totally great. other than that there is the cashback, an actual benefit, its 6% rate and a $6000 limit makes it really attractive to anyone, really. I must point out that my grocery bill is high and I do drive a few hundred miles every week, keep that in mind if you are considering this card. Reviewed on: 3rd May 2017

Public Complaint

i paid my monthly bill on time £200+ two days later an email from amex said my payment was overdue and if not recieved i would be charged so i paid again (mistake) now three phone calls and four weeks later i am still waiting for my refund amex claim it was paid back to the wrong account number !!! surely all they had to do was check the payment details and send it back to the same account i have recieved three empty promises of an imminent payment . Reviewed on: 13th April 2017

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