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

Top Ranked Companies

company logo
#1 Capital One chevron_right
9.4 Overall Score
4.3
starstarstarstarstar_half
(485)
company logo
#3 Discover chevron_right
8.8 Overall Score
4.4
starstarstarstarstar_half
(365)

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, it offers rates 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 can charge some of the most expensive annual fees in the industry. However, as with many credit card companies, the first year might have no annual fee.

Late Payment Penalty

American Express cardholders can expect a late payment penalty that is comepetitive within the industry.

Foreign Transaction Fee

While some companies in the industry do not charge a foreign transaction fee, American Express charges one, 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.

Why Can I Trust Bestcompany.com arrow_drop_down

User Reviews

Star Rating

4.3
starstarstarstarstar_half

417 Reviews

Review Breakdown

5 star
59%
4 star
23%
3 star
8%
2 star
4%
1 star
6%

Sentiment Criteria

Value for your money
starstarstarstar_halfstar_border
Quality of product or service
starstarstarstarstar_half
Customer service
starstarstarstarstar_half
Company trustworthiness
starstarstarstarstar_half
search cancel
starstarstarstarstar

LifeOn Adventure

June 1st, 2020 Newport, KY DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Several years ago I was shopping at Macy's and was offered a chance to apply for the American Express credit card. I was approved very quickly and received a nice discount for the purchased I made that day. I have not had any problems with my card, or the service provided, since I opened my account.

starstarstarstarstar

D Wed

June 1st, 2020 Tempe, AZ DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Amex as a credit card is great regarding rewards and benefits. The customer service is top notch.

starstarstarstarstar

Jennen

May 29th, 2020 , CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Thank you Amex. Keep sending us points. I like your App, easy to navigate through.

starstarstarstarstar

Dipal Shah

May 28th, 2020 Milltown, NJ DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

just too good. never ever have any problems. they cover everything right away with just one call or email. using it since more than 20 years.

starstarstarstarstar

brock williams

May 26th, 2020 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have been an American Express Business credit card holder for 15 years. I've had a lot of credit cards, both for business and personal accounts, with different companies, and Amex is hands down the best. When I've had vendors not deliver the products I paid for, Amex has refunded the amount I paid quickly and easily. They also have an incredible rewards program which I've used quite a bit, redeeming points for travel and other perks. I still have multiple business credit cards with Amex, and I plan to continue to have those accounts long into the future.

starstarstarstarstar

Ulyssis

May 26th, 2020 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Feel very secure when using this credit card. If you have a question they are always very helpful

starstarstarstarstar

Alejandro DE Jesus

May 26th, 2020 San Antonio, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

AMEX provides clients like me with winning edge over discounts and cash back promos that I in turn to purchase more. I get encouraged with discounts and cash back because they practically stretch my money for purchases.

starstarstarstarstar

abe fried

May 22nd, 2020 Bensalem, PA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

Great product and service. always ready to help us with questions regarding the accounts we have with them.

starstarstarstarstar

Lisa Miller

May 22nd, 2020 Lewisville, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a personal card and corporate card. I find it very easy to do business with American Express especially when calling their customer service line. The only thing I didn't like was that they changed the format of the Account page but there is a button you can click to go back to the old version. I like the older version better.

starstarstarstarstar

Christopher Criollo

May 21st, 2020 Orlando, FL

I have been an American Express customer for the past 20 years, they provide excellent customer service and rewards program!

starstarstarstarstar_border

Devin Cutter

May 19th, 2020 Long Beach, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstarstar

I am a new customer to American Express, but so far am very happy with the product and rewards that I receive from the card. I currently have Delta Platinum SkyMiles card with Amex, which is a great compliment to the Delta SkyMiles I earn while traveling. Although this year I have not traveled as much as I have in previous years due to the global pandemic, this has not stopped me from earning miles on expenses that I will be able to bank for later. For me, the perks offered through the card are more than worth the annual membership fee. The website and apps or very easy to use and understand. It's easy to pay my bill, track my rewards, and see all the additional services and discounts I'm eligible for all within the app. For anyone that travels frequently, I would highly recommend becoming an Amex member.

starstarstarstarstar

cosandral cooper

May 11th, 2020 Columbus, GA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I don’t have a problem with them just to get a card with Amex is a blessing to all because everyone would like there card. I haven’t been to many places that don’t take the card. Everybody don’t get this card. But if you pay like you suppose to do you don’t have a problem with them. I love them.

starstarstarstarstar

mary

May 11th, 2020 San Diego, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love this card. They are insured, easy to contact, and despite many people's perceptions, I can use it in 95% of the places I shop!

starstarstarstarstar_border

Jean van der Sommen

May 7th, 2020 Cumming, GA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Have had a credit card for over 25 years. They email me when I purchase but don't present my card. They have contacted me with questionable purchases with have sometimes been fraudulent and sometimes legally done. Customer service is always responsive and courteous.

starstarstarstarstar_border

Catt Jones

April 30th, 2020 Stockbridge, GA

I use the prepaid card which give you options to direct deposit employee check. It comes with a feeeach transaction so be on the lookout and balance each use.

starstarstarstarstar

Angel Ruiz

April 29th, 2020 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

We love American Express. Keep giving us good points on our purchases. 20,000 more and I will be able to go for a vocation with my wife.

starstarstar_borderstar_borderstar_border

Fair and unfair loyalty program

April 17th, 2020 DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

Amex out sources a lot of its customer service. Hard to understand the personnel speaking to you with broken english. They rewards program use to be better. They don't offer reduced interest rates during difficult times like today.

starstarstarstarstar_border

Sharon Battula

April 7th, 2020 Aurora, CO

The only downfall is that there are still places that don't accept Amex, which can be inconvenient.

starstarstarstarstar

Lisa

March 24th, 2020 Rowlett, TX DETAILS arrow_drop_down

great! - able to replace my card in a timely manner. love the bonus points

starstarstarstarstar

Linda

March 16th, 2020 DETAILS arrow_drop_down

Outstanding! Love the app. Great company. I appreciate the reward points, the notifications when I charge, the billing, the extras. I use this card for most purchases.

starstarstarstar_borderstar_border

Tony

March 16th, 2020 DETAILS arrow_drop_down

do not use amex when purchasing in foriegn currencies, the fee over exchange rate is literally usury

starstar_borderstar_borderstar_borderstar_border

Roy

March 16th, 2020 DETAILS arrow_drop_down

they think they are great not the customer they are rude and make me unhappy

starstarstarstarstar_border

Gary Garner

March 16th, 2020 DETAILS arrow_drop_down

They provide good and timely service. No long holds on the phone. US based customer service. Don't like high annual fees. They just upped the fee to $250. We may be parting ways.

starstarstarstarstar_border

MattB

March 16th, 2020 , UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Love my American Express, love that they email me payments received and when I’m due. Rewards are good, decent intrest rate, all credit card companies are crooks

starstarstarstarstar

Angelica Dela Cruz

March 12th, 2020 Jacksonville, FL

Very understanding when my account got hacked! Very reliable company, I'll tell you that!

starstarstarstar_borderstar_border

Michael Garry

March 10th, 2020 Lilburn, GA DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Great customer service. Minimal hold time.

starstarstarstarstar

Diana

March 10th, 2020 DETAILS arrow_drop_down

Good and easy to use. Customer frienly. Website provides detailed info that is easy to understand.

starstarstar_borderstar_borderstar_border

cecropia

March 10th, 2020 DETAILS arrow_drop_down

American Express is an overpriced card. They have the highest annual fees of any card company and the card is just not worth it. Great customer service reps but the corporate mentality is definitely anti-consumer. Avoid this company and any of its products.

starstar_borderstar_borderstar_borderstar_border

Sally

March 10th, 2020 DETAILS arrow_drop_down

cut me off when i got laid off had never been late

starstarstarstarstar_border

Debbie Serjeant

March 10th, 2020 DETAILS arrow_drop_down

Very easy to use and the rewards you get with it, I would definitely recommend this card

starstarstarstarstar

Wendy

March 10th, 2020 DETAILS arrow_drop_down

Great customer service, always friendly, very responsive in all departments.

starstarstarstarstar

Devon Neil

March 10th, 2020 DETAILS arrow_drop_down

Roadside assistance is included at no extra cost. It has many other perks and it truly makes it a piece of mind instead of it just being a ordinary, everyday credit card. Customer service is always polite, ensure the security of my card stay up to date, solve any issues I may have and ensure that I have a competitive interest rate. I have to admit that I was a skeptical customer at first but I'm a very proud user of my AMEX card and I highly recommend that everyone give them a try.

starstarstarstarstar

Tommy Rodriguez

March 10th, 2020 DETAILS arrow_drop_down

Customer service is amazing I had a few issues and they were able to handle it all in one call

starstarstarstarstar

Kathyjoy

March 10th, 2020 DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Great rewards and low apr rates. I have never had any problems with AmEx

starstarstarstarstar

Paul

March 10th, 2020 DETAILS arrow_drop_down

Outstanding customer service, great card benefits and travel benefits

starstarstarstarstar

Randi S Kaplan

March 10th, 2020 DETAILS arrow_drop_down

They have been very easy to work work, especially since the card has gotten hacked numerous times.

starstarstarstarstar

Ruben solis

March 10th, 2020 DETAILS arrow_drop_down

Customer service is always an issue with credit card companies, retail stores and businesses. An American Express is exceptional and it comes to customer service American Express is exceptional.

starstarstarstarstar

Mike Tierney

March 10th, 2020 DETAILS arrow_drop_down

Fantastic customer service. Easy credit when needed. Attractive card.

starstarstarstarstar

M Schwartz

March 10th, 2020 DETAILS arrow_drop_down

Love the points, basically I travel free just for changing my payment method

starstarstarstarstar

Micki Wiersma

March 10th, 2020 DETAILS arrow_drop_down

Perfect customer service in all instances including hacked accounts

starstarstarstarstar

Michael Thomas

March 10th, 2020 DETAILS arrow_drop_down

My card was compromised and they took care of everything seamlessly

starstarstarstarstar

Michael Joseph connell

March 10th, 2020 DETAILS arrow_drop_down

Good company, low minimum. Easy to apply and secure card, easy to use.

starstarstarstarstar_border

Sade Makinde

March 10th, 2020 DETAILS arrow_drop_down

Excellent rate and fantastic customer service . I will recommend American Express anytime

starstarstarstarstar

David Czerniawski

March 10th, 2020 DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

always backs their customers in disputes. widely accepted

starstarstarstarstar

Ed

March 10th, 2020 DETAILS arrow_drop_down

Good support, website easy to use and good reward points program

starstarstarstarstar

Charoletta Ransom

March 10th, 2020 DETAILS arrow_drop_down

Absolute professionalism and excellent customer service

starstarstarstar_borderstar_border

JS

March 10th, 2020 DETAILS arrow_drop_down

They were great company until they raise their rates for cards

starstarstarstar_borderstar_border

Garth

March 10th, 2020 DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

I thought the fees are too high for the services provided. I didn't think there was enough flexibility with the card. They give me no advantages I could take it vantage of.

starstarstarstarstar_border

Sandy Walter for Rosalind Walter

March 10th, 2020 DETAILS arrow_drop_down

Good but expensive and many times they assit when something goes wrong but it is never easy!

starstarstarstarstar

Jim ODay

March 10th, 2020 DETAILS arrow_drop_down

Great service. Always someone there to help if needed.