Write a review

American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.08 (85 reviews)

View other American Express products

3.46

Based on 85 reviews, last reviewed 2nd Dec 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

15%

Latest highest rating:

5

American Express credit card is a great credit card,... American Express credit card is a great credit card, especially the Cashback available Reviewed on: 26th August 2024

Latest lowest rating:

1

If I could rate below zero I would. If I could rate below zero I would. Applied to add second car holder, so they asked me to call Fraud protection department. Phoned 1st time 25mins wai... Read more Reviewed on: 2nd December 2024

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 (85)

Review of the American Express, American Express Credit Card:

Poor Customer Service and Mismanagement

*Subject: Poor Customer Service and Mismanagement – Consider Switching to Visa or Mastercard** I am extremely disappointed with the service I’ve received from American Express. Despite requesting multiple times to change my debit date from the end of the month to mid-month, nothing was ever done. Each request was ignored or mishandled. On top of that, I was advised to transfer funds to lower my balance, which I did, only to find that Amex still charged me the full amount without considering my credit. The credit was rolled over to the next month, which was not helpful. I asked for the credit to be refunded to my bank account and was assured it would be. After waiting over 25 days, nothing happened. When I followed up, I was told the system had canceled the request, despite receiving multiple confirmations that the money would arrive by a specific date. Adding to the frustration, I was informed I could withdraw money from an ATM. I even calculated my withdrawal limit with one of the agents. But when I went to the ATM, I received a message saying, “Please contact your bank.” Upon contacting Amex again, I was told I’m not allowed to withdraw until one year has passed, something that was never mentioned before. The level of miscommunication, poor customer service, and repeated failures to follow through are unacceptable. I expected far better from a company like Amex. If you are considering a credit card, I strongly suggest running away from Amex and transitioning to Visa or Mastercard. Their services and customer care are far more reliable, and you won’t have to endure the endless frustrations I’ve encountered with Amex. Reviewed on: 6th September 2024

If I could rate below zero I would.

If I could rate below zero I would. Applied to add second car holder, so they asked me to call Fraud protection department. Phoned 1st time 25mins waiting to be told they must be on a meeting (hilarious right?). Phoned next day... Oh sorry they gone home. Phoned 3rd time today. First told there is no trace of this application, then after having a rant about Amex customer service customer rep decided to actually look into it. 28 mins waiting and ... Got disconnected. Shocking service. Reviewed on: 2nd December 2024

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

Customer service level of zero

I received my British Airways American Express card and set up a direct debit to pay off the full sum when it became due. Amex did not take the funds when they were due and subsequently sent me a letter advising they were charging me interest and a surcharge and threatened further action. I telephoned and they apologised for their error but advised they were not able to remove the interest from my account. I cancelled the card which required over thirty minutes on the telephone with an unhelpful person the other end. I also paid the balance. They then refunded the card fee. A month or so later they advised I owed them £16.44 but no reason given as to why. Despite two letter from me they continue threatening action. I shall write to Hannah Lewis who is their CEO I the UK. My advice is do not get an American Express Card, especially as nobody wants to take anyway. Reviewed on: 17th September 2024

American Express credit card is a great credit card,...

American Express credit card is a great credit card, especially the Cashback available Reviewed on: 26th August 2024

Dependable card that always does what it should, Nev...

Dependable card that always does what it should, Never had any problems with the app nor with the direct debits Reviewed on: 5th June 2024

Too expensive for many suppliers

Too expensive for many suppliers Reviewed on: 29th May 2024

I love using my Amex cash back card plus amex hold.

I love using my Amex cash back card plus amex hold. It provides many perks Reviewed on: 24th May 2024

Great cash back and customer service

I’ve earned lots of cash back with them Reviewed on: 12th April 2024

Referral links: failure to honour the use of a link

Referral links: you click on it and navigate to a dedicated landing page. It’s not the card you want, so where do you go to not break the link? Top left button or buttons in the footer of the landing page? Both take you to the same place to see other card options but my hunch is the links available in the footer don’t retain the referral link and break it - so why is this route possible on a landing page that offers the same thing at the top? Two ways of achieving the same thing shouldn’t exist - you break the link without knowing it. Complaints “the marketing team would know if there was an issue. The link wasn’t used (ie your fault) and I can’t test it myself to confirm your theory. Complaint closed and not honouring points.” Wonderful - I’m closing my account after 13 years of loyalty as a result of such poor handling and asserting I’m not capable of clicking a link. Reviewed on: 3rd April 2024

Dreadful card - no one accepts it

Dreadful card, no one accepts it hardly and for the one retailer that did I couldn’t use it as credit limit was too low and I couldn’t get it increased. A joke really! Reviewed on: 21st March 2024

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

There's still more to see!

American Express has a range of products available. Check the ratings of each product to find the right one for you. 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