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%... 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. Read more Read less

Easy to use app. Easy to see points. Good bonus offer

If you frequently order Deliveroo (at least twice monthly), travel a few times yearly and could therefore use lounge access - the Gold card is... If you frequently order Deliveroo (at least twice monthly), travel a few times yearly and could therefore use lounge access - the Gold card is almost a no brainer. There's also trip insurance included if you put your tickets for a flight or train on this card. Unfortunately, the Gold card isn't great for spending abroad, but it might still be worth putting travel tickets on it considering the insurance + the outbount spend bonus for spending in foreign currencies. Read more Read less

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... 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. Read more Read less

*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.... *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. Read more Read less

American Express credit card is a great credit card, especially the Cashback available

Good Offers on card and cashback

I've been with them for a very long time and there have been no incentives to stay. The cashback was great in the first year, but since then nothing special.

Dependable card that always does what it should, Never had any problems with the app nor with the direct debits