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Nikolay M

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Review of the American Express, American Express Credit Card:

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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 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. Reviewed on: 3rd April 2026

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