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American Express reviews

American Express Logo
Rated Good • 4.00/5

American Express reviews

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Unverified business
Last reviewed within 7 days
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Review summary

People rate this company as Good based on 437 product reviews

Average score of 4.00/5
5 star
64%
4 star
21%
3 star
6%
2 star
2%
1 star
7%

Latest positive rating

4/5

Great introductory cash back rate

Great introductory cash back rate and like that it’s available across all purchases

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

Latest negative rating

1/5

25 Years of Loyalty, Repaid with a $40 Insult

After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter century—I never... After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter century—I never expected the company to show such a stunning lack of appreciation for my loyalty. I recently paid my balance in full less than 24 hours after it posted, only to find a $40 fee added to my account. Given my long, responsible track record, I expected what any reasonable customer would: a quick review, a moment of common sense, and a simple one-time courtesy waiver. Instead, I was met with a flat, impersonal refusal—no exception could be made. It’s not the $40 that matters. It’s the disrespect. American Express has long marketed itself as the gold standard of customer service and premium care, but when given the opportunity to demonstrate those values to a loyal, decades-long customer, it hid behind rigid policy rather than exercising even a shred of discretion. The irony is that with my excellent credit score, I receive multiple credit card offers every week, many with better perks, more flexible customer service, and superior rewards. Until now, I stayed with American Express out of loyalty and habit. But this experience made one thing painfully clear: that loyalty is not reciprocated. As a result, I will be closing my American Express account and seriously considering one of the many competing cards eager to treat reliable customers with the respect they deserve. If this is how American Express chooses to value a customer of 25+ years, they shouldn’t be surprised when those customers decide to take their business elsewhere. Read more Read less

{"display":"Chantalle Spencer","full_name":"Chantalle Spencer","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1315999.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 437 company reviews • Last reviewed within 7 days

25 Years of Loyalty, Repaid with a $40 Insult

American Express Credit Card • 23rd November 2025

After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter century—I never... After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter century—I never expected the company to show such a stunning lack of appreciation for my loyalty. I recently paid my balance in full less than 24 hours after it posted, only to find a $40 fee added to my account. Given my long, responsible track record, I expected what any reasonable customer would: a quick review, a moment of common sense, and a simple one-time courtesy waiver. Instead, I was met with a flat, impersonal refusal—no exception could be made. It’s not the $40 that matters. It’s the disrespect. American Express has long marketed itself as the gold standard of customer service and premium care, but when given the opportunity to demonstrate those values to a loyal, decades-long customer, it hid behind rigid policy rather than exercising even a shred of discretion. The irony is that with my excellent credit score, I receive multiple credit card offers every week, many with better perks, more flexible customer service, and superior rewards. Until now, I stayed with American Express out of loyalty and habit. But this experience made one thing painfully clear: that loyalty is not reciprocated. As a result, I will be closing my American Express account and seriously considering one of the many competing cards eager to treat reliable customers with the respect they deserve. If this is how American Express chooses to value a customer of 25+ years, they shouldn’t be surprised when those customers decide to take their business elsewhere. Read more Read less

{"display":"Chantalle Spencer","full_name":"Chantalle Spencer","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1315999.png"}}'s avatar
Rated Terrible • 1/5
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Worst company ever

American Express Credit Card • 30th September 2025

They overcharged me and even though i could show that i didnt make those transactions they sided with the me4chants. They also double charge some... They overcharged me and even though i could show that i didnt make those transactions they sided with the me4chants. They also double charge some transactions and when i pointed that out the operator was clearly out of her comfort zone as she didnt know what to say. Finally, despite requesting a refund for the amex annual fees they havent done so, they are purposely slow in responding and most of the time their emails are difficult to understand ( on purpose). Read more Read less

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

    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... 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 later you reprocess the original payment without my knowledge even though you already received a different payment. Now you put a hold on my account I've sent almost $200 to your conpany. The original payment was $95 and I still can't use my card. Worst credit card provider and customer service. DO NOT TRUST THIS COMPANY. Read more Read less

    {"display":"J Tufariello","full_name":"J Tufariello","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1299075.png"}}'s avatar
    Credit Card
    J Tufariello 4th September 2025
  • 1/5

    Liars and Thieves

    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... 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 later you reprocess the original payment without my knowledge even though you already received a different payment. Now you put a hold on my account I've sent almost $200 to your conpany. The original payment was $95 and I still can't use my card. Worst credit card provider and customer service. DO NOT TRUST THIS COMPANY. Read more Read less

    {"display":"J Tufariello","full_name":"J Tufariello","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1299075.png"}}'s avatar
  • 1/5

    AmEx global card transfer program does not work

    Anticipating a move from the US to the UK, I got am American Express card, planning on using their global card program to apply for... Anticipating a move from the US to the UK, I got am American Express card, planning on using their global card program to apply for a UK-based AmEx card once I arrived. This was highly attractive as it bases an UK application approval on the existing US credit card and credit score, a boon for expats establishing credit for the first time in the UK. Everything went smoothly with the American card, however my UK application was a big disappointment. They are very rigid in their evaluation process, and are entirely unable to appropriately handle non-conventional situations. In my case as an early retiree, they are unable (unwilling?) to look at my assets. I provided my tax return from last year which they were unable to read. I offered to point out the page and line where my income was reported, and they declined the clarification. They requested I spend money to have a UK-based accountant reiterate the income information provided on my tax return to allow the application process to proceed. Multiple millions in invested assets, $200+ income reported on a tax return, 20+ years of excellent credit in the US, and AmEx is unwilling to make the smallest effort to properly evaluate my situation and extend a credit card. I am deeply disappointed with this experience. I will cancel my US-based AmEx card and encourage everyone around me to avoid this company. Read more Read less

    {"display":"ysette","full_name":"ysette","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Great introductory cash back rate

    Great introductory cash back rate and like that it’s available across all purchases

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

    Great choice of cards offering rewards.

    Great choice of cards offering rewards. Love my Marriott Bonvoy card

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

    Easy to use.

    Easy to use. Good rewards and cash back. Easy to get hold of customer service if/when needed.

    {"display":"annacarver375@gmail.com","full_name":"annacarver375@gmail.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Good points earning ability but question if the incr...

    Good points earning ability but question if the increased annual fee is worth it. It's now become a lot to justify (especially as the value... Good points earning ability but question if the increased annual fee is worth it. It's now become a lot to justify (especially as the value of added offers is not as good as it used to be) Read more Read less

    {"display":"Rohan Barmanray","full_name":"Rohan Barmanray","avatar":{"url":"\/assets\/uploads\/avatars\/users\/719191.png"}}'s avatar
  • 5/5

    AMEX as good as always.

    Ive been using AMEX for more than five years now, and never disappoints. Always able to pay everywhere, the app is really useful because of... Ive been using AMEX for more than five years now, and never disappoints. Always able to pay everywhere, the app is really useful because of its simplicity. Instalments plans are great. Website is really good and easy to understand. Customer service over the phone is top notch. Read more Read less

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

    ! AVOID!!! You have been warned

    Just freeze your accounts with no notice or reason! They don’t care about you at all ! No one to talk to as all they... Just freeze your accounts with no notice or reason! They don’t care about you at all ! No one to talk to as all they can say is that it is automated . AVOID AT ALL COST! YOU GAVE BEEN WARNED Read more Read less

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

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