American Express (Amex)

American Express (Amex) Logo

8.2

Overall Score

American Express (Amex)

American Express offers APRs ranging from 0 to 25.24 percent*

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Founded in 1850 and headquartered in New York, American Express offers financial services such as credit cards and insurance.

The Good

  • Competitive APRs 
  • Rewards program
  • Fraud safeguards

Competitive APRs

American Express offers credit cards with introductory rates of 0 percent for the first six to twelve months. After that, rates range from 13.24 to 25.24 percent*, which is competitive within the industry.

Rewards Program

American Express offers several rewards programs, cash back rewards, travel rewards, and business rewards.

Fraud Safeguards

American Express offers solutions to prevent fraud, including card identification verification, counterfeit detection, electronic verification, and charge authorization. Visit Site

The Bad

  • Annual Fees
  • Late Payment Penalty
  • Foreign Transaction Fee
  • No Free Credit Score

Annual Fees

Depending on the card, American Express charges annual fees up to $450, which is one of the steepest fees in the industry.

Late Payment Penalty

American Express cardholders who make a payment late will be charge a fee of up to $38.

Foreign Transaction Fee

While some companies in the industry do not charge a foreign transaction fee, American Express charges a fee of 2.70 percent for foreign transactions, which can be inconvenient for frequent travelers.

No Free Credit Score

Unfortunately, American Express does not provide its customers with free credit score tracking.

The Bottom Line

American Express offers competitive APRs, several rewards programs, and a number of fraud safeguards. However, the company charges annual fees, late payment fees, and foreign transaction fees. Additionally, American Express does not provide free credit score monitoring.

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User Reviews

4.1

123 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
Rachelle Rude
May 16th, 2018 Mankato, MN DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

If you have a dispute OR fraud ... go with AMEX! They are a company that truly takes care of you alway. Have trustwd them for years. Love my AMEX!

Helpful?
Craig
May 7th, 2018 Newport Beach, CA DETAILS
Value for your money
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Customer service
Company trustworthiness

Good and fair company. Business oriented definitely. Professional, people we talk with

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Vicki A Michaels
May 2nd, 2018 DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

Good product, but I wouldn't pay to have one of the higher end cards.

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Thomas Hansen
May 1st, 2018 Palo Alto, CA DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

I've been very happy with my Delta Gold and Starwood Preferred American Express cards. The rewards are good and the customer service is always superb.

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Robyn Rhoton
April 24th, 2018 Alpine, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I use my American Express credit card because I like the flexibility of how I can use the points. I can use points for flights, hotels and even charity. American Express is not accepted everywhere but I find I can use the card at most places. They have also been great to follow up on questionable charges which gives me peace of mind.

Helpful?
Alaina Gull
April 23rd, 2018 Falmouth, ME DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I’ve been a customer for years. We love the rewards program. It’s so easy and hassle free.

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Chase Huntzinger
April 18th, 2018 Provo, UT

American Express is the odd-man out. Other cards are accepted in more places. Visa seems to be much more universal.

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P. Palmer
April 17th, 2018 El Paso, TX DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

It was easy to get an American Express credit card and they are always helpful when we call with problems. The flight rewards we get are great also!

Helpful?
Amanda
April 16th, 2018 Sherwood, OR DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I used their Credit card through Costco when they were partner with them... Easy app to use. Great reward program.

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Carolee AhPing
April 16th, 2018 Heber, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I love American Express. They took good care of you. Great customer service

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Michael
April 16th, 2018 Ogden, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Points are always a great bonus when spending money.

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Maryayb
April 11th, 2018 Draper, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I’m all about the benefits! I have multiple cards and love them all! I love the delta miles and the flexibility of membership rewards points that I use for travel as well or for gift cards etc!

Helpful?
Anna
March 5th, 2018 Columbia, SC DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

very good, told me my options and let me to know I could change later if I wanted to.

Helpful?
Fair and unfair loyalty program
March 5th, 2018 Las Vegas, NV DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Most of the time, I'm pretty happy with the service, but there are times your loyalty doesn't pay

Helpful?
Dikthod
February 26th, 2018 Bellingham, WA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

AMEX has always worked well to solve problems. Also there haven't been many of those either.

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Bert
February 26th, 2018 Hialeah, FL DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Always a good experience Have had them and they are the best

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ps2os2
February 26th, 2018 Chicago, IL DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

When it is needed to call the AMEX people you are treated nicely and when they answer the phone you do not have to repeat your card number as they have a system that identifies you as a legit caller and the people you talk too are reasonable . There was a time when AAA double charged me for a battery replacement and they saw it immediately and reversed the charge. Sadly AAA dropped AMEX soon after that.

Helpful?
Willa
January 22nd, 2018 Cypress, TX DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

It forces me to buy only what I can pay for.

Helpful?
Joe
January 22nd, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Reliable, slower payoff! Great auto program!

Helpful?
Shelly
January 15th, 2018 Missoula, MT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

website is easy to use, good for frequent flyer miles, keep my rate percentage down.

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Kathy Marsala
January 15th, 2018 Central City, KY DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

the amount of credit is helping in times of need.

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Antonio Viana
January 15th, 2018 San Diego, CA DETAILS
Value for your money
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Company trustworthiness

The best card there is.....fraud protection is the best

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Sharon Watkins
January 15th, 2018 Columbus, OH DETAILS
Value for your money
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Customer service
Company trustworthiness

Ease of use, protection from theft, rewards

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Arnold E. Gordon
January 15th, 2018 Topeka, KS DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Never had a single problem. Has always s performed well for me

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Sherry Wootton
January 15th, 2018 Ogden, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

The skymiles and many places accept the card.

Helpful?
Adam Floyd
January 9th, 2018 Morrison, CO DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I have the AMEX platinum card which is great for business and personal travel. While pricey, I always feel that I come out ahead. They reimburse travel expenses related to baggage, Uber, global entry, and others. In addition, I automatically get status at hotels, car rentals, etc. While I earn status on many of these already, some of them I only use on as needed basis. Their concierge service is wonderful. I have used them to obtain tickets and restaurant reservations in various cities and well as provide recommendations.

Helpful?
John Nelson
January 9th, 2018 Ridley Park, PA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Secure. Have stopped fraudulent activity numerous times.

Helpful?
Pat Muma
January 3rd, 2018 Hilton Head Island, SC DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Never ever a hassle if something is disputed

Helpful?
Dana Verreras
January 3rd, 2018 Paso Robles, CA DETAILS
Value for your money
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Customer service
Company trustworthiness

Have dealt with them for years. Plan all our travel with them also.

Helpful?
Claudia Selthoffer
January 3rd, 2018 Grayling, MI DETAILS
Value for your money
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Company trustworthiness

customer service. They were willimg to go to battle when you had a problem.

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Steve Ambrose
January 3rd, 2018 Denver, CO DETAILS
Value for your money
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Company trustworthiness

It is perfect in all areas except acceptance, so I have to carry another card

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David
January 3rd, 2018 Norman, OK DETAILS
Value for your money
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Customer service
Company trustworthiness

Good card. I really enjoy getting to use it on vacation and when I order online

Helpful?
Alicia
January 3rd, 2018 Salt Lake City, UT DETAILS
Value for your money
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Company trustworthiness

Been very good to me they explains things so people can understand it there fees are low

Helpful?
Dale Ash
December 19th, 2017 Sandy, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

This is a great company. They offered an American Express card as soon as I had my first job. I've been with them ever since. I did switch to a Delta American Express card. I like the mileage rewards. I also get a free companion ticket voucher every year. They are very responsive when you call. I appreciate the ability to categorize and evaluate your expenditures by purchase area. Their service professionals are always very friendly and helpful.

Helpful?
ELMER THUSTON
December 18th, 2017 Birmingham, AL DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

NO LIMIT. YOU NEVER HAVE TO WORRY. CUSTOMER SERVICE IS GREAT.

Helpful?
Mario D
December 18th, 2017 Miami, FL DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They lower your redemption value for reward points based on what purchases you want to credit, so you always get less than 100% value of your points balance.

Helpful?
Mary Ann Johnson
December 18th, 2017 Thomasville, GA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

i was not please when i tried to pay a bill and the company that i was paying said they did not honor american express cards, so i had to go and purchase a money order to pay my bill

Helpful?
Mohamed
December 18th, 2017 Rochester, NY DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Perceivef Prestige, wide use both physically and online, competitive interest rate, good points for loyalty programs

Helpful?
Nancy Moore
December 18th, 2017 San Antonio, TX DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Easy to use - get rewards - pay it off each month

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Nancye Rahn
December 18th, 2017 Bristol, TN DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They have always been easy to work with and provide insurance on my travels.

Helpful?