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American Express (Amex)

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American Express (Amex) Logo

8.9

Overall Score

American Express (Amex)

verified
American Express offers APRs ranging from 0 to 25.24 percent*

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

197 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:
Rischelle Mikkelson
November 16th, 2018 American Fork, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I liked our American Express when we had it. We had the Costco card with them and switched when Costco switched. The cash back rewards were the best in the industry. Very easy to redeem each year.

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Lindsay Fritts
November 16th, 2018 San Diego, CA DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

American Express is THE BEST! I have the platinum card and cannot say anything bad about them (even with the high yearly fee). Anytime something I bought with my Amex breaks or has an issue, I reach out to Amex and they immediately refund me to fix or buy a new one. I have extended warranties on everything I buy through American express (I got a new harddrive on my Mac and Amex covered every penny!) Favorite card!

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Rachel B
November 5th, 2018 Eagle Mountain, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I have an AMEX card and I love the rewards on it, and their fraud protection is great as well.

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ally blackhurst
October 31st, 2018 Pleasant Grove, UT

Overall my experience with American Express has been great; however, this summer i went to Thailand and all the places that accepted credit cards never accepted American Express so it made it hard because I was constantly having to go find ATMs. I just wish I could use my American Express everywhere.

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Tammy Brady
October 24th, 2018 Gilbert, AZ DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Had this card eighteen years. Never had a problem with disputed charges, fees, or billing. Cashback is a great reward for on time payment. Had a couple of times that it was miscalculated but they corrected the error.

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Nicole S.
October 22nd, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

AMEX has answered all my questions when I have called on my newly opened account. I had questions on balance transfers which has a 0% balance trasfer fee. The customer service was great and done in a timely manner. It did take a few extra days to get the physical card, but nothing to worry about.

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Steve schramm
October 15th, 2018 Salem, UT DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

Good online account management capabilities. Good cash earning options with the card I have. Heavy penalties if payment is a day late.

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Zach
October 10th, 2018 Irvine, CA DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

If I sign up for a special offer, then I expect to receive the benefits of that offer according to the fine print. I signed up for the Delta skymiles CC and spent 3k within 3 months (as the offer required). Instead of giving me the 50k Delta skymiles after the 3 month period, I fought with customer service for 8 months until I was finally given the miles as promised. Every time I called, the customer service rep had a different story than the previous rep. No one knew where the miles were and no one knew when I would receive them. I was told 3 weeks, then another rep told me 3 more months, then another rep told me tomorrow, then when I followed up the next day the rep said it would be another 4 weeks. The biggest frustration was that no one knew what they were talking about or who to ask for more info. I imagine customer retention is a nightmare because everyone I spoke to who signed up during this promotional period had the same issues. I plan on getting rid of this card at the end of the year. I would most likely stay if I had received a follow-up call just ONCE from the 7 customer service reps that promised to call me back with an update. I guess some apology skymiles would help with my retention, too. But I’d probably have to wait another 8 months to get those miles anyway. PEACE Amex.

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Laura Howard
September 26th, 2018 Brooklyn, NY DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

My first AMEX card was in 1994, then I got the Delta Skymiles AMEX card just over a year ago. I have so many positive experiences it would be impossible to list all here, but in summary, AMEX have ALWAYS been there for me when I have had issues with vendors. The app is easy to use, the website is easy to use and customer service is absolutely wonderful.

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Shari Evers
September 17th, 2018 Lehi, UT

Amex has great offers and rates, but I have a hard time having one with the annual fee.

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Celia
September 13th, 2018 Waipahu, HI

DONT GET THIS CARD. We applied for it and regret it. We just paid it off and no longer use it. Cant close the account because it counts against us with our credit so we'll just keep it close until we are desperate and need to use it.

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Sherri Rose
August 31st, 2018 Orem, UT

I LOVE MY AMEX CARD! I have been a member of American Express for over 20 years. I have used their "lost or stolen" guarantee and they stood up to their promise. The customer service is first rate. No complaints here!

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Melissa Reinoso
August 31st, 2018 Herriman, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I used to have a personal credit card with them, I now have a business card with them. They are great to work with and have no complaints. They will call if they feel like your card is being used fraudulently. They take high priority in fraud like transactions.

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Kim Miller
August 29th, 2018 Lindon, UT

A great company you can always trust. We also love and use the travel benefits.

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Tualagi
August 29th, 2018 Saint George, UT

down fall is not a lot of places accept American Express. It is not a card i like to spend often . i had to cut it up because of the rude service i got when i called them due to charges i saw on my bill from a state i have never visited.

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Dylan Findlay
August 29th, 2018 South Jordan, UT

Using my American Express card has always been convenient. Customer service has always been great!

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Douglas Larson
August 28th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

I like their online portal where you can see all your transactions easily. They are quick to respond to suspected fraud and other accounting issues. I wish they didn't leave Costco, though.

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LAURI J CLARK
August 28th, 2018 Lindon, UT

We have been AMEX customers for many years. I appreciate their customer service. I especially like the year end reports that I use for tax prep. I love the categories that are available. We have unfortunately had a couple of issues with fraud but we have never been disappointed! AMEX has been quick to notify us and the resolutions have been exactly what we needed.

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J Paul Wright
August 27th, 2018 Central, UT

I love my AMEX card. Even the annual fee is worth it, considering the benefits, savings, rewards, etc. Using this card really gives me peace of mind as I travel and use it for big purchases. I have now even used them for a personal loan, which was very simple. Their customer service has been outstanding throughout the years.

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Shanna
August 27th, 2018 South Jordan, UT

American Express is great for businesses. Love getting the points

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Robin
August 27th, 2018 Orem, UT

i had to cut up this card and glad i did! Fees and interest rate is ridiculous. Customer service is awful. glad i don't have to deal with them anymore.

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Ron Durfey
August 27th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

Have been a customer for over 10 years. Their services are good but the only reason I continue to use them is for the mileage I get on my Delta account. Otherwise, they'd be gone.

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Jr
August 27th, 2018 Orem, UT

worse credit card company i have dealt with. they are so rude. not helpful at all. they charge you a high interest fee. do not report on time payments to credit bureau. i am so happy i get rid of this card.

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NT
August 27th, 2018 Pleasant Grove, UT

interest rate is very high. i was sad when Costco stopped accepting American Express because that was the only reason i started using American Express was for that reason.

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Dave Brinton
August 24th, 2018

I have enjoyed the benefits that come from using and American Express card. I enjoy the extra warranties, and no questions asked customer service.

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Kris
August 23rd, 2018 Pleasant Grove, UT

I love my Delta Amex cars I get 1 free bag every time I fly! The annual fee is pricey though.

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Troy Millett
August 21st, 2018 Lindon, UT

I have had an American Express Skymiles card (with Delta) for probably around 13 years or more. I appreciate earning miles for travel and the companion fare ticket I get each year. The annual fee ($100 or $120) seems a bit steep though. I also like the free checked bags with my card.

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Kim Millett
August 21st, 2018 Lindon, UT

We have always loved our American Express card that gives us Delta Skymiles. We have had our card now for 15 years. We get a free companion fare ticket each year. We usually use this on our yearly cruise. The only bummer is when Costco stopped accepting this card. We love the miles.

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Lesa Burgess
August 20th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I own an American Express Delta SkyMiles Credit card and I love it. I make all of my Delta purchases on this card so I receive double miles. I do wish that owning this basic card would get you in the Delta lounges at certain airports. I certainly love the yearly companion ticket, which my wife & I use for our annual vacation. 5 stars!

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Catherine Taliulu
August 20th, 2018 Salt Lake City, UT

Their mobile app is very user friendly. Product is great.

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Jodie Larson
August 17th, 2018 Pleasant Grove, UT

I had a Costco AmEx for many years and I loved their cash back rewards program! They were very on top of monitoring my account and alerting me about potential fraud and verifying questionable purchase, some of which did turn out to be fraudulent. They always took care of the issue and replaced my card quickly with little disruption to my life. The only reason I have a 4 star review is because AmEx is not accepted everywhere that Visa and Mastercard are.

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James Nelson
August 2nd, 2018 Falls Church, VA

Using AMEX has been a pleasure. The perks and the benefits are second to none!

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Sarah
August 2nd, 2018 Fairfax, VA

They have some great credit cards that I have used through the years. Their cashback program is easy to use, they have some great deals throughout the year when you use your card and overall I am pleased with their service.

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jordan cummins
August 2nd, 2018 Gilbert, AZ

Screws you over with interest rate and fees. Doesn't give as much of limit as others also.

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Holly Nelson
July 27th, 2018 Universal City, TX

Great points system, awesome deal for military.

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Karen Nelson
July 27th, 2018 Alpine, UT

My favorite thing about American Express is that when you lose a card, they have a new one for you the very next day. They also have always covered expenses of stolen cards. I like that everyone takes the card around the world.

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Frederick Nelson
July 26th, 2018 Universal City, TX

I have the american express travel and it's fantastic. I love the amextravel platform for finding flights as well. The benefits are great and customer service fantasic. Also have been willing to help out on extended warranty issues as well. It is my main credit card for a reason. I also enjoy the centurion lounge access at airports.

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Anne Kimball
July 23rd, 2018 Salt Lake City, UT DETAILS
Value for your money
Quality of product or service
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Company trustworthiness

When I had an American Express card they always had good deals with other companies. I one time got $10 off of a Forever 21 purchase just because I had an American Express card! I loved those perks. It is a little annoying though that not all places took Amex. I know more and more places are taking them, but I always had to have another card on me just in case, which is something I've never had to be worried about with my Visa.

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Marilyn Greer
July 23rd, 2018 Saint George, UT

This card is good to have but they never offer 0 interest.

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Tanner Hales
July 19th, 2018 Pleasant Grove, UT

Benefits are awesome. So long as you are a good customer and pay your bill, customer service is pretty good. Especially great for businesses.

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