American Express (Amex)

8.2

Overall Score

106 User Reviews

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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.

User Reviews

4

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10

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?

10

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?

10

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.

Helpful?

10

Kathy Marsala

January 15th, 2018 Central City, KY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

the amount of credit is helping in times of need.

Helpful?

10

Antonio Viana

January 15th, 2018 San Diego, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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

Helpful?

10

Sharon Watkins

January 15th, 2018 Columbus, OH DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Ease of use, protection from theft, rewards

Helpful?

10

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

Helpful?

10

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?

10

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?

10

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?

10

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?

10

Dana Verreras

January 3rd, 2018 Paso Robles, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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

Helpful?

10

Claudia Selthoffer

January 3rd, 2018 Grayling, MI DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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

Helpful?

8

Steve Ambrose

January 3rd, 2018 Denver, CO DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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

Helpful?

8

David

January 3rd, 2018 Norman, OK DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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

Helpful?

8

Alicia

January 3rd, 2018 Salt Lake City, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

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

Helpful?

10

Dale Ash

December 18th, 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?

10

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?

6

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?

6

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?

8

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?

10

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

Helpful?

8

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?

4

Allen Bronson

December 18th, 2017 Idaho Falls, ID DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They lowered my credit limit in the middle of transactions that caused me over the limit fees. When I called customer service to get to the bottom of it, I could not understand the representative (they were from a foreign country) so I asked for somebody else that I could understand and they replied that i could not speak to somebody else. Not very happy at all with Amex customer service. I expect much better from a large well-known company.

Helpful?

10

Hannah

December 17th, 2017 Pleasant Grove, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

We use the delta amex card. I love that I can use the card with the knowledge that if I needed anything, they are super easy to contact or talk to. It is nice that when I call it is someone from the United States that I am speaking with. Traveling internationally with the card was great.

Helpful?

2

Chris Wootton

December 17th, 2017 Ogden, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Not a great company very expensive fees.

Helpful?

10

Valerie Gundersen

December 12th, 2017 American Fork, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

American Express customer service has always served me and my family very well! Very friendly and efficient!

Helpful?

8

Carlee Toone

December 11th, 2017 Provo, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have had a positive experience with American Express so far. Their app is easy to use and it's always clear what my payment is and when it is due.

Helpful?

8

Penny Haines

December 11th, 2017 Las Vegas, NV DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They watched carefully for fraud charges & resolved them quickly. Was able to earn rewards & collect them easily when they were associated with Costco.

Helpful?

10

Chanda Banerjee

December 11th, 2017 Augusta, GA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

when ever I have a question I get an expert and courteous answer.

Helpful?

10

Mark Troxel

December 11th, 2017 Saratoga Springs, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I like the reward miles earned on every purchase. I used this everyday to purchase everything. I have found very few locations that do not accept Amex.

Helpful?

10

Shohreh

December 11th, 2017 Phoenix, AZ DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great customer service & great reward points that are easy to redeem.

Helpful?

10

Royal A. Brown III

December 11th, 2017 Winter Haven, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great Service - Agents always professional, courteous & knowledgeable. Easy to manage using online website. Awards Program. Ease of Dispute Process.

Helpful?

10

Ray Leven

December 11th, 2017 Philadelphia, PA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

People friendly operators Reasonable. Good rewards

Helpful?

10

Cassidy Gundersen

December 6th, 2017 Orem, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have loved my American Express card. I got it during a time when points were doubled for signing up- which made it even better. They have excellent customer service and are very helpful with any needs that I have, especially replacing my card. Only complaint is that many stores don’t take AmEx because of the associated fees.

Helpful?

10

vierlingjack

November 28th, 2017 Jacksonville, FL' DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

easy to work with, monitor charges and if do not seem in line with past charges its flagged to me. whenever card has been used impoperly (thief) there is no argument with AE and the charge is deducted. Where it is not honored, i don't shop there.trust AE to have my back.reliable, professional people.

Helpful?

10

Bonnie Esrig

November 28th, 2017 Alpharetta, GA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are easy to reach, easy to understand, and make it easy to resolve problems.

Helpful?

10

Jody

November 28th, 2017 Milton, VT' DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

This company has knowledgeable and courteous representatives

Helpful?

6

Catherine Trujillo

November 28th, 2017 Glendale, AZ DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Not widely accepted. Many businesses do not accept american express. I chose it over a visa because I thought it was a better card but I was a bit disappointed.

Helpful?

2

Grant Lowell

November 28th, 2017 West Jordan, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Spent a lot on interest. The payments are just enough to never pay off the bill.

Helpful?