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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 3.71 (120 reviews)

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3.71

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!

American Express American Express Credit Card reviews (120)

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

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 services have been fully provided, payments were authorised, and evidence has been supplied. As a locksmith business, we have encountered situations where customers receive the service requested, regain access to their property, request invoices and VAT information afterwards, and then proceed with chargebacks. The burden placed on merchants to defend legitimate transactions is excessive, while customers seem able to dispute charges with very little supporting evidence. This creates an environment where chargebacks can be abused as a tool to avoid paying for services that have already been completed. Businesses deserve protection too. There should be a fair balance between protecting cardholders and protecting honest merchants who have delivered the service paid for. Based on our experience, we have serious concerns about accepting American Express payments in the future. Reviewed on: 18th June 2026

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/benefits that go with the card. The travel insurance is also great, and very useful for peace of mind, as well as being helpful too. I've always paid the full amount with each statement, so do be careful that you can do this and avoid debt. Use it to delay payment and gain flexibility. Reviewed on: 12th June 2026

Well worth it

5% cashback for 6 months if you spend more than £3k and no monthly fee. Reviewed on: 12th June 2026

I don't have it have it now one i will get it back

I don't have it have it now one i will get it back Reviewed on: 12th June 2026

Good cashback and customer service, just a shame tha...

Good cashback and customer service, just a shame that not accepted as widely as Visa or Mastercard Reviewed on: 12th June 2026

Value for Money Credit Card

Its points on purchasing goods and services provide options to convert to Nectar, redemption on services from other companies like British Airways etc ! Reviewed on: 11th June 2026

Fantastic customer service & they increased my month...

Fantastic customer service & they increased my monthly credit limit without a moment's hesitation. Reviewed on: 11th June 2026

I have had the Platinum card for 13 years and the an...

I have had the Platinum card for 13 years and the annual fee is worth it with the perks and loyalty points. Reviewed on: 11th June 2026

Excellent service

I have been Amex customer for a very long time and have never had any issues with them, Reviewed on: 11th June 2026

Been a member of Amex platinum for 25 years.

Been a member of Amex platinum for 25 years. Never had any issues. Their website is flawless and works every time. Whenever I have contacted regarding a query it has been sorted with my interests in mind. There is the also the 1% cash back which is always welcome and the card itself has no annual charge. Reviewed on: 11th June 2026

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