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American Express reviews

American Express Logo
Rated Good • 3.99/5

American Express reviews

Unverified business Last reviewed within 7 days
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Review summary

People rate this company as Good based on 449 product reviews

Average score of 3.99/5
5 star
63%
4 star
21%
3 star
6%
2 star
2%
1 star
8%
Reviews for American Express have trended negatively over the past 90 days

Latest positive rating

4/5

My AmEx card has been great.

My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points... My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points for stuff I'd already be buying is a really nice bonus. I also spend for work, which then gets reimbursed, but I get the points on the purchase anyway, which is amazing. It's especially good if you convert your rewards points to Avios points as I do, because when you buy plane tickets you essentially get double points, one per pound spent on the card, on top of the points you already get via the airline. Read more Read less

{"display":"rkb1g15","full_name":"rkb1g15","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

Latest negative rating

1/5

American Express has become a complete joke.

American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading. My business has held an... American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading. My business has held an American Express Platinum card for years, paying the £650 annual fee without fail. We have an excellent credit history, both with American Express and other providers, and have always made payments on time. The main selling point of the Platinum card is that it supposedly has no preset spending limit, giving you flexibility when you need it. However, after not using the card for some time, I made a relatively small purchase of around £800. Immediately, I was bombarded with emails and text messages warning that if I didn’t make a payment right away, future transactions would be declined. When I contacted customer service via chat and phone, the experience was even more frustrating. The representatives I spoke with, Rachel and a senior staff member called JR, seemed to have no clear understanding of the situation or why this was so disappointing. It is unacceptable to pay such a high annual fee for a “premium” card that turns out to be unreliable and restrictive. Despite claiming there is no preset limit, they effectively impose one based on usage—yet refuse to clearly disclose what that limit is. So in reality, you can hold the card for years, continue paying the £650 annual fee on time, and yet be left with a spending limit of effectively £0 simply because you haven’t used it regularly. That is what they call “flexibility.” This completely defeats the purpose of having a Platinum card. For a long-standing, loyal customer with a perfect payment history, this experience is both disappointing and infuriating. Read more Read less

{"display":"Nikolay M","full_name":"Nikolay M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
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About American Express

American Express 'blue box' values reflect who they are and what they stand for: Customer Commitment, Quality, Integrity, Teamwork and Respect for People are their core values. Smart Money People is the place for American Express reviews. Read and write reviews to help increase trust and transparency in Financial Services.

American Express at a glance

Reviews for American Express

Showing 11 of 449 company reviews • Last reviewed within 7 days

American Express has become a complete joke.

American Express Credit Card • 3rd April 2026

American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading. My business has held an... American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading. My business has held an American Express Platinum card for years, paying the £650 annual fee without fail. We have an excellent credit history, both with American Express and other providers, and have always made payments on time. The main selling point of the Platinum card is that it supposedly has no preset spending limit, giving you flexibility when you need it. However, after not using the card for some time, I made a relatively small purchase of around £800. Immediately, I was bombarded with emails and text messages warning that if I didn’t make a payment right away, future transactions would be declined. When I contacted customer service via chat and phone, the experience was even more frustrating. The representatives I spoke with, Rachel and a senior staff member called JR, seemed to have no clear understanding of the situation or why this was so disappointing. It is unacceptable to pay such a high annual fee for a “premium” card that turns out to be unreliable and restrictive. Despite claiming there is no preset limit, they effectively impose one based on usage—yet refuse to clearly disclose what that limit is. So in reality, you can hold the card for years, continue paying the £650 annual fee on time, and yet be left with a spending limit of effectively £0 simply because you haven’t used it regularly. That is what they call “flexibility.” This completely defeats the purpose of having a Platinum card. For a long-standing, loyal customer with a perfect payment history, this experience is both disappointing and infuriating. Read more Read less

{"display":"Nikolay M","full_name":"Nikolay M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

Sneakiy membership fee charge without warning

Nectar Credit Card • 27th March 2026

I signed up several years ago for the nectar credit card and have been very happy with the service until they suddenly charged me £30... I signed up several years ago for the nectar credit card and have been very happy with the service until they suddenly charged me £30 annual membership fee this year without warning. Customer service poor. I cancelled account immediately and stopped using the card but they still took a small charge until the cancellation was processed at their end (despite the card no longer valid. Read more Read less

{"display":"MswdCarole","full_name":"MswdCarole","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews
  • 4/5

    My AmEx card has been great.

    My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points... My AmEx card has been great. It's really easy to get set up and the rewards add up faster than I expected, and gaining points for stuff I'd already be buying is a really nice bonus. I also spend for work, which then gets reimbursed, but I get the points on the purchase anyway, which is amazing. It's especially good if you convert your rewards points to Avios points as I do, because when you buy plane tickets you essentially get double points, one per pound spent on the card, on top of the points you already get via the airline. Read more Read less

    {"display":"rkb1g15","full_name":"rkb1g15","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    I’ve really enjoyed having the American Express Gold...

    I’ve really enjoyed having the American Express Gold Card; it fits how I actually spend and has been easy to manage day to day. The... I’ve really enjoyed having the American Express Gold Card; it fits how I actually spend and has been easy to manage day to day. The app is straightforward, the customer service has been solid when I’ve needed help, and the points add up quickly enough that I feel I’m getting something back for my regular spending. The travel perks are where it stands out for me. Airport lounge passes and the ability to turn points into flights or hotel stays have genuinely made a few trips feel a bit more special without much extra effort on my side. Overall, it’s become my go‑to card for travel, eating out and bigger purchases because it rewards the sort of spending I’d be doing anyway. Read more Read less

    {"display":"Andrei Ianovskii","full_name":"Andrei Ianovskii","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Big fan of the Vitality Amex card that gives boosted...

    Big fan of the Vitality Amex card that gives boosted cashback for being active.

    {"display":"Chris Bowman","full_name":"Chris Bowman","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1343895.png"}}'s avatar
    Credit Card
    Chris Bowman 5th February 2026
  • 5/5

    Simple, easy, and rewarding

    This is my second AMEX card over a space of 3 years and I have still had absolutely no issues with either product. The app... This is my second AMEX card over a space of 3 years and I have still had absolutely no issues with either product. The app is simple and easy to use, the customer service is fantastic, plus the majority of their cards offer great rewards. Cannot say anything bad about them. Read more Read less

    {"display":"Toby FH","full_name":"Toby FH","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    Worse Bank EVER

    Not enough, the interest is high but the customer service is the worst and completely useless! They answer calls after 30 minutes of waiting, if... Not enough, the interest is high but the customer service is the worst and completely useless! They answer calls after 30 minutes of waiting, if you’re lucky enough to get connected. My issue has been ongoing for 2 months now, despite being promised it would be solved within 5–10 working days. I’ve raised maybe 2 complaints, but they said someone may or may not look into them. The worst bank so far! Read more Read less

    {"display":"O B","full_name":"O B","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1331879.png"}}'s avatar
  • 5/5

    Would recommend

    Easy to use the app and rewards are high making the annual cost worth it.

    {"display":"Natasha","full_name":"Natasha","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Nectar Credit Card
    Natasha 23rd January 2026
  • 5/5

    Using this bank and credit card for 2 years.

    Using this bank and credit card for 2 years. It is fair option when I want something which is just too pricey for that moment... Using this bank and credit card for 2 years. It is fair option when I want something which is just too pricey for that moment and can ease the stress from not having any money Read more Read less

    {"display":"Matus","full_name":"Matus","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Great card with great points earning rate.

    Great card with great points earning rate. Fabulous customer service.

    {"display":"Lukasz Bohdan","full_name":"Lukasz Bohdan","avatar":{"url":"\/assets\/uploads\/avatars\/users\/574052.png"}}'s avatar
    Credit Card
    Lukasz Bohdan 22nd January 2026
  • 5/5

    Its Easy to use and they resolved my complain prompt...

    Its Easy to use and they resolved my complain promptly about a diapute payment.

    {"display":"Mubshar Ahmad","full_name":"Mubshar Ahmad","avatar":{"url":"\/assets\/uploads\/avatars\/users\/743648.png"}}'s avatar

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