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American Express: American Express Credit Card reviews

Name: American Express Credit Card
Rating: 4.16 (83 reviews)

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3.64

Based on 83 reviews, last reviewed 17th Sep 2024

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

64%

16%

13%

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

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 ... Read more Reviewed on: 17th September 2024

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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 (83)

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

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

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

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

im a long time customer, aleays with me

im a long time customer, aleays with me Reviewed on: 6th March 2024

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