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American Express: Credit Card reviews

Name: Credit Card
Rating: 4.41 (123 reviews)

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4.31

Based on 123 reviews, last reviewed 4th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

25%

10%

Latest highest rating:

5

Great choice of cards offering rewards. Great choice of cards offering rewards. Love my Marriott Bonvoy card Reviewed on: 13th June 2025

Latest lowest rating:

1

Now that I have made 2 payments in 5 days. Now that I have made 2 payments in 5 days. One of them you stole. You accepted my payment then told me it got returned so I paid it again. 5 days late... Read more Reviewed on: 4th September 2025

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About this product

American Express Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do American Express customers like? Find out more about the American Express Credit Card by reading our trusted Smart Money People reviews. You can also write your own American Express Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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American Express Credit Card reviews (123)

They kept me well informed

From start to finish American Express has been excellent in keeping me informed about the steps of the process Reviewed on: 21st April 2016

Has limitations

Have had this card for many years and it pays a small amount of cashback on purchases. There have been no problems operating this but I have found that some retailers refuse to accept it. One told me it was because of the high processing fee Reviewed on: 28th March 2016

great cashback and great service

really fantastic company to have on your side. the cashback rates are the best on the market, they have regular offers such as shopsmall (with £5 cashback on a £10 spend!) and are accepted at a lot more places than i'd have imagined. Reviewed on: 28th March 2016

Excellent service, good way of collecting Avios

I got the American Express british airways card mainly for the sign up bonus with avios, but I will keep the card, it is accepted all over the world, in fact in other countries even better than in the uk. The avios they gave me paid for a flight to the states so no complaints. I had a problem early on with a disputed charge, but they cleared it up in 24 hours by email. Reviewed on: 28th March 2016

Great card and benefits

I have the Amex platinum card with no annual fee. It's contact less and can be added to apple pay also. You can earn 5% cash back on upto £2000 spend in first three months and there are regular offers on the app which you can add to your card ie £10 off £30 spend at xx retailer. Reviewed on: 28th March 2016

Always amazing service

American Express is always providing consistently good customer service and they are there to help you with your queries especially if you are travelling abroad and have to use your card in other countries - they are very quick to resolve problems and their fraud system is flawless. Reviewed on: 28th March 2016

Love Amex!

Amex is always super helpful and eases any worries I have when travelling or purchasing things I'm unsure about. Our bags were delayed once on Christmas Eve and Amex covered us for the evening, allowing us to purchase outfits for dinner. Brilliant service. Reviewed on: 26th February 2016

Customer Service as it should be

The offer cashback , fantastic offers and if anything goes wrong give a second to none. Reviewed on: 19th February 2016

5* service :-)

I needed to change an address and request a replacement card. The phone was picked-up well within 30 sec of me ringing-up, and both requests were done quickly a very friendly American Express agent. Reviewed on: 12th January 2016

American Express Cashback Card

I'm just a month shy of a year of using this card and I love it. I opened the card to take advantage of the 5% cashback for three months and this got my cashback off to a flying start. I've only ever had to call customer service once and they were very knowledgeable, understanding and efficient. Online banking is brilliant, does everything you need it to, it even shows pending transactions pretty much immediately so you know what to expect. I log on about once a week to check out the spending offers - they've had some brilliant ones that I've taken advantage of including statement credit for Amazon and the Post Office. I've only ever had two instances when AMEX wasn't accepted and this was at a local hairdressers and IKEA, other than that, it's a lot more widely accepted than people think! A brilliant card with great cashback and offers. Reviewed on: 24th December 2015

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