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American Express reviews

American Express Logo
Rated Good • 4.08/5

American Express reviews

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Unverified business
Last reviewed within 14 days

Review summary

People rate this company as Good based on 433 product reviews

Average score of 4.08/5
5 star
65%
4 star
21%
3 star
6%
2 star
2%
1 star
6%
Reviews for American Express have trended positively over the past 90 days

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

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
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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 433 company reviews • Last reviewed within 14 days

AmEx global card transfer program does not work

American Express Credit Card • 8th July 2025

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
Rated Terrible • 1/5
Read more product reviews

Great introductory cash back rate

Platinum Cashback Credit Card • 14th June 2025

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
Rated Good • 4/5
Read more product reviews
  • 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
  • 3/5

    Promises more than it delivers

    I feel like these points sound like a great thing but they arent transparent. They are hard/impossible to use once youve worked hard to build... I feel like these points sound like a great thing but they arent transparent. They are hard/impossible to use once youve worked hard to build them up. Im over it now and will change to get better rewards elsewhere. Read more Read less

    {"display":"karla10","full_name":"karla10","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Great offers on everyday purchases

    Great offers on everyday purchases

    {"display":"Chirag Patel","full_name":"Chirag Patel","avatar":{"url":"\/assets\/uploads\/avatars\/users\/3499.png"}}'s avatar
  • 4/5

    they dealt with a fraudulent transaction very quickly

    they dealt with a fraudulent transaction very quickly

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

    Good an reliable

    Good an reliable an easy to process

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

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