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American Express (Amex)

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548 User Reviews

9.3

Overall Score

LAST UPDATED: November 29th, 2021

As one of the most well-known credit issuers, American Express offers personal, business, and corporate credit cards to consumers with an array of rewards for a variety of uses.

As a more prestigious credit card issuer, American Express generally requires a good, if not excellent, credit score for approval on many of its cards. For such creditworthy consumers, American Express credit cards are a great option, providing generous rewards options, which may also require much higher fees than you would see with other credit card issuers. 

If you have poor to fair credit, American Express may have some card options available for you, but you will be limited in rewards and perks.

Continue reading for pros and cons, and American Express reviews from real customers.

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The Good

  • Variety of Cards
  • Rewards Options
  • Free Credit Score Monitoring
  • Amex Offers and Benefits
  • Cobrand Partnerships
  • Premium Car Rental Protection
  • Fraud Safeguards
  • Customer Reviews

Variety of Cards

American Express offers a variety of credit cards with various rewards, perks, and benefits. Types of cards include:

  • Cash Back
  • Rewards Points*
  • No Annual Fee
  • 0% Intro APR
  • Low Interest
  • Travel
  • Airline
  • Hotel

*Many of the rewards cards have high annual fees to consider.

An array of options allows consumers to compare cards and ultimately choose the best card for their needs. It is important to note that American Express also has business credit card and corporate credit card options.

Rewards Options

American Express offers several rewards programs, cash back rewards, travel rewards, and business rewards, allowing consumers to either earn cash back, points, miles, and/or other benefits.

Offering generous rewards on a variety of cards, American Express can be a good option for creditworthy consumers who will be most able to maximize on rewards through their spending and use of the card.

Keep in mind that cards offering exclusive rewards have a much higher annual fee than you might see with other American Express credit cards, or rewards cards from other lenders. It is important to ensure that your use of the card will be worth the money spent on a card's annual fee.

Free Credit Score Monitoring   

To manage and understand your credit score better, American Express offers the MyCredit Guide service.

You don't need to be an American Express cardholder to use MyCredit Guide, but you must make a MyCredit Guide account to access its services.

MyCredit Guide services include the following:

  • Free credit reports
  • Credit change alerts
  • Personalized recommendations for improving your credit score
  • Credit score simulator

MyCredit Guide is free to use and will not hurt your credit score. It is important to note that this service provides you with your VantageScore by TransUnion.

Amex Offers and Benefits

All American Express credit cards come with access to Amex offers and benefits which can save you money. These offers and benefits are provided by a variety of merchants and are generally point or cash back offers when you spend a certain amount of money.

Some offers have an enrollment quota, limiting the number of cardholders who can register for that specific offer. An offer may still appear on your account even if enrollment has been filled, but you won't be able to register.

Be mindful that some offers are card-specific. If you have multiple American Express cards, make sure you keep track of which offers you've unlocked and on which card.

Cobrand Partnerships

American Express has some cobrand partnerships that are exclusive to the company, such as Delta and Hilton. These partnerships provide cardholders with access to additional benefits and perks when they use their card on expenses specific to the cobranded company.

Premium Car Rental Protection

American Express Premium Car Rental Protection is an additional insurance product offered by the company.

This program helps you save more on car rental coverage and offers the following features and coverage:

  • Flat rate of $19.95/$24.95 per rental period, not per day
  • Pay only when you rent
  • Provided coverage is not subject to a policy deductible
  • Worldwide coverage
  • Up to 42 consecutive days of coverage
  • Coverage ranges from $5,000–$100,000

Liability coverage is not included.

Fraud Safeguards 

American Express offers solutions to prevent fraud, including card identification verification, counterfeit detection, electronic verification, and charge authorization. Through the American Express online Security Center, you can report cases of credit card fraud, report a lost or stolen card, and learn more about how American Express protects your information and credit cards.

American Express takes your security seriously and also provides mobile wallet security and SafeKey services to protect you while shopping online.

Customer Reviews

The majority of American Express reviews on BestCompany.com are four or five stars. Customers most often highlight excellent customer service and great rewards, particularly for travel.

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The Bad

  • Credit Score Requirements
  • Charge Cards
  • Fees

Credit Score Requirements

Many American Express credit cards require a good to excellent credit score to qualify. This may not be attainable for all borrowers, and we would recommend that low credit borrowers look elsewhere for a credit card, at least to compare offerings with American Express.

American Express' high credit requirement is due to the exclusive rewards offered with some of its cards, which is also an indication of higher annual fees.

Charge Cards

Some cards offered by American Express are charge cards not credit cards.

Charge cards and credit cards are similar in use, but a charge card has no spending limit and cardholders are generally expected to pay their bill in full each month, whereas a credit card cardholder can just pay the minimum balance. Although charge cards don't have a set credit limit, that does not mean that they offer unlimited spending.

The following American Express cards are considered to be charge cards:

  • Platinum card
  • Gold card
  • Green card

Make sure that you know the rates and terms of the card you are applying for, as you wouldn't want to end up with a charge card when you actually want a credit card.

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.

American Express charges a late payment fee of $38 on any unpaid amount. A late payment may also result in a penalty APR.

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

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The Bottom Line

American Express credit cards are a great option for consumers with an established credit history, generally maintaining excellent credit. Offering various travel rewards cards, American Express may also be one of the best options for frequent travelers. However, American Express does offer a variety of cards meant for everyday purchases that may be a better option for some consumers.

American Express offers cash back, points, and miles rewards, in addition to membership rewards points, but some of the rewards cards have very high annual fees.

Based on customer reviews, we would recommend looking into American Express for your credit card needs, especially if you are looking for generous and exclusive rewards options.

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Star Rating

4.3

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548 Reviews

Review Breakdown

5 grade

61%

4 grade

23%

3 grade

8%

2 grade

3%

1 grade

5%

Sentiment Criteria

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Service

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roberto arcia Columbia, MO

After initially building my credit, I got an American Express card. I love my card because they have such good rewards for using your credit card and have no yearly costs. I've only had to get in contact with their customer service once, due to a fraudulent charge, but they worked quickly to resolve my issue. Great company.

1 month ago

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Verified Customer

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Shirley Simolari

I've never been disappointed with a call to American Express! I've called while traveling with a family member in an extreme emergency, had to increase my credit line for a private jet in case my travel insurance didn't cover it! My line was increased in less than 5 minutes. My credit card was compromised a few times at no fault of mine and they handled everything to a T. I've called many times with questions the attendants on the phone are quick to answer, never a long wait, knowledgeable, they don't try to sell me anything and they make sure my questions are resolved. What more can you ask for?

1 year ago

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Carolina camacho

I love American Express! Through American Express, I get flying miles and I have been able to travel to so many new places! I save so much money with American Express

4 weeks ago

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Alexis Mcintosh Tallahassee, FL

Great service helpful staff, would definitely recommend. Easily hands down the best credit card service company I have ever been with. I recommend American Express to absolutely everyone because it is just that great.

1 month ago

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Abril Hunter Tallahassee, FL

I use my American Express card at least once a week. And in doing so I find that not only is it except in most places but it is also easy to pay off the bill. The bill comes for me and paper format and all the charges that I’ve used it for I listed, which is extremely helpful in keeping track of payments. Furthermore, the customer service for American Express is top tier. When I’ve had difficulties with my card or suspected that it could be lost calling with customer service desk is always result in a helpful response.

3 months ago

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Naomi Jacksonville, FL

I recently got one, just so I can boost my credit. And I love this card! So many benefits when I use it on certain items!

3 weeks ago

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Nashali Vescovacci Gainesville, FL

American Express is a very trustworthy company. Their customer service is great and their services are high quality.

3 weeks ago

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Rocio Diaz Tallahassee, FL

The Amex Credit Cards offers great perks and rewards, the fees are low and they offer tremendous benefits.

3 weeks ago

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Danielle Damico Charlotte, NC

Well I can't stand Amex cards. And they send u so many it's ridiculous..they need to send one an only one so we don't get our good account mixed up

1 week ago

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Jec Canby, OR

Not impressed with their high late fee and zero tolerance for a first time late payment when the bill slipped behind the desk and was found a couple days after it was due.

3 weeks ago

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xabriah glenn-young Tallahassee, FL

As an American Express user I love the company, it’s amazing rate and how they help you build your credit is crazy

1 month ago

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Gabe Burton Riverton, UT

American Express is okay. It's accepted at many places, although my rate is a little higher than I'd like it to be, and they keep raising it even though I've NEVER missed a payment and my credit score is 730!!

2 months ago

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Cris Balmanno Riverton, UT

Rates are a bit high, and they're not accepted everywhere which becomes problematic and makes me need to carry a second card, but their customer service is great and I enjoy the perks.

3 months ago

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Dave Spokane, WA

There's one thing that you get with American Express that you just don't get with Visa/Mastercard: status. There's just something prestigious about whipping out the American Express card to pay at the restaurant. It is otherwise still an excellent credit card, but I can't give it 5 stars because it's not as universally accepted as Visa.

5 months ago

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JOHN M CAMPBELL ,

#1 in Customer Service! There are never long wait times, they always serve with the highest degree of professionalism, the first person who answers can always solve your issues (no getting transferred from agent to agent) and excellent fraud management services.

11 months ago

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Devon Neil

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.

1 year ago

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Gioacco

I called to tell them about an upcoming large expense. It was a terrible expense, as my mom passed on and I had an unexpected funeral expense. The customer service rep. let me have a lower rate of 1.9% for all expenses on my AMEX card for the next 9 months to help me make ends meet in my budget. I am very thankful for the kindness and compassion of the people at AMEX.

1 year ago

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Jen Paxman Lehi, UT

I am fairly new to American Express. I have one of the Delta cards and I absolutely love it. The airline benefits are amazing, and have made it so we can take our family of 5 to Hawaii and not have to pay for a single ticket!!! Their customer service is so amazing to work with and are always kind and helpful. It is very easy to pay my bill online as well. I would, and do, recommend this card to anyone looking for a great airline card.

2 years ago

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Laura Howard Brooklyn, NY

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.

3 years ago

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ps2os2 Chicago, IL

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.

3 years ago

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Adam Floyd Morrison, CO

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.

3 years ago

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Dale Ash Sandy, UT

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.

3 years ago

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Thomas Taylor Salt Lake City, UT

Well, American Express is a straight forward, well recognized card that has always been accepted everywhere with no questions asked. One time when there was a mistake on our monthly statement, a single phone call cleared it up in our favor with an apology from the company. Additionally, our card is a full AmEx card under a Delta Sky Miles plan that gives up credit for flights on Delta with every use!

4 years ago

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Greg Francis Saratoga Springs, UT

Amex provides the best user experience of all my credit cards. I always know that when I have an issue, when I need to review a bill or charge, that Amex will give me the benifit of the doubt, and work with me, even if it is my error. Website is user friendly, mobile app is convenient, and my business points and personal points all come together!

10 months ago

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turner2001 Santa Clara, CA

I've been using AMEX for about 20 years. The best thing I can say about AMEX is that they've got your back. Unlike most credit card companies who usually side with the merchant when there's a charge dispute, AMEX usually takes the consumers' side during a charge dispute. That often results in a positive outcome for the consumer. AMEX often doubles warranty policy when using their card, and gives you car insurance coverage for rentals. AMEX has a very good free card, and though it only pay 1% back to you, the fact that they have your back is the main reason I use AMEX for most of my purchases. In my opinion, I unhesitatingly endorse AMEX.

1 year ago

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Ian F. Hattiesburg, MS

AMEX is my favorite credit card. I use two of them: the Hilton Honors AMEX and the AMEX Platinum. The Hilton Honors AMEX is my go-to card, because it gets me all kinds of points which I turn around and use at hotels. It comes in really handy whenever I'm on a small family trip or moving from one city to another, which I tend to do as an active duty military member. I like the AMEX Platinum card because it gives me free lounge access in select airport lounges. This is really helpful when I'm looking to let my hair down in an airport, it's quieter than the standard terminal, and the facilities are generally better and cleaner, and then there's the free drinks, fruit, sundries, and wifi.

1 year ago

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Steve Anderson Lindon, UT

I've been pleased with American Express. I have had my card for several years now. I use my American Express to pay ALL of my bills and other purchases. I've never had to pay late fees or penalty fees so I don't know what that part of the game is like. I make it a point to pay my monthly bills on time and 100%. If you can do that without fail, then they are a good card to have. For me, I like the frequent flier miles and the free baggage I get with my Delta American Express. What I get from that card makes the year fee worthwhile. I have run into only a few places that won't take this card, but I always carry another card with me in case I run into a store that won't take my American Express.

2 years ago

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Nichole Hiatt Eagle Mountain, UT

I have been a Hilton AMEX cardholder for about 10 years now, and I love the benefits the card gives me. One trip when we were out of the country, we had some problems with using the card and customer service was able to give us a temporary card number to use until we got home.

1 year ago

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James Conder Eagle Mountain, UT

I currently have an American Express Credit Card that I've had for a few years. Unfortunately for me I had some emergency things hit me all at once and caused my balance to jump higher than I would have ever liked. I'm always on time with my payments and just would wish that a valued customer as myself for the past few years would be eligible for a interest rate decrease since I'm never late on my payments

1 year ago

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Eddie Rios Ogden, UT

American Express is a world class experience. There is no better credit card. High end service, acceptability at millions of locations, safe transactions with high class service and support. It does not get any better than with American Express, the icon in the credit industry.

1 year ago

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Yolanda Briganti Riverton, UT

I've had a Gold AMEX card since 2014. I love how the website keeps track of the spending. We got the card to use the points for airline travel. The only downside is that very small businesses don't take AMEX because of the fees they are charged.

2 years ago

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Aaron Paxman Lehi, UT

I currently have an American Express credit card. It was easy to obtain without much hassle. I have enjoyed the perks and points that I earn with this card. Website where I applied for the card was user friendly and I was able to chat with a rep as well who guided me through the process.

2 years ago

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Nicole S. Pleasant Grove, UT

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.

3 years ago

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Lesa Burgess Pleasant Grove, UT

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!

3 years ago

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Anne Kimball Salt Lake City, UT

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.

3 years ago

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John M Stanley

When we needed some help with our card, their customer service was just outstanding! They helped us get back on track and took care of our issues - someone else got our card number and the account was closed immediately, no cost to us for any purchases, and new card issued immediately and sent out the next day. Excellent card!

3 years ago

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Hannah Pleasant Grove, UT

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.

3 years ago

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Cassidy Gundersen Orem, UT

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.

4 years ago

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jack vierling Jacksonville, FL'

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.

4 years ago

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Connie Mayer South Jordan, UT

We love American Express the most out of all our credit cards. We have a Delta card through American Express, and it gives us many perks. We get to use the Delta Lounge in the airport when we travel, and it is all because of our Amex. Amex has tons of perks for different cards. We love it.

4 years ago

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Lindsey Andersen Provo, UT

I loved my American Express card, and only had to get rid of it because of the annual fee on my Delta SkyMiles card. I enjoyed lots of benefits like free 2-day shipping just for being a cardholder and other discounts and coupons. Great card! The only other drawback I would mention is that small businesses typically do not accept it.

4 years ago

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Damon Wilson

Flexible spending and cash back rewards. AMEX is my go to card and it keeps people honest. Though I have flex monthly spending I like the idea of having the full balance due at the end of the money, it allows me to use the card as a debit card and just pay off the balance monthly.

4 years ago

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G. Goodrich Orlando, FL

Best customer service. I have been a long time customer of American Express. I experienced some hard times financially, and fought my way out. One of the first cards to give me a second chance was American Express. In return, they have my loyalty for life. I refer everyone I know, and I recommend AMEX to everyone.

4 years ago

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Janet in Santa Cruz, CA Santa Cruz, CA

Customer service is empowered to make decisions or waive fees. They are always available and understand my issues. They have a pretty good interest rate. But it's mainly that calling customer service NEVER gets me someone who says "That's our policy. I can't do anything about it."

4 years ago

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Jonny Hancock Draper, UT

I recently canceled my credit card with American Express because I simply wasn't using it. When I called in to cancel my card I expected a long explanation on why I shouldn't cancel my credit card instead I was greeted with the customer representative saying, " we are sorry to see you leave our credit card family, and would love to work with you in the future." Because of this simple response I will most likely use American Express again in the near future.

4 years ago

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Mary Alice M. Orem, UT

I've loved my American Express card mostly for the rewards I've gotten from using the card. We love our points! I also have appreciated their customer service. Even though there are really long wait times, I feel like they are always very helpful.

10 months ago

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Mike Salt Lake City, UT

Best credit card company out there. I've been with them for 20 years. They're costumer service is the best. Had an issue once where I rented a car with my Amex and got in a wreck. They were easy to work with and solved it no problem

10 months ago

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Tommy McCarlie Chicago, IL

Amex has always been a great card with great benefits. My only complaint is they lost their deal with Costco. I don't know who is responsible for that but if you're reading this Amex please go to Costco and beg for mercy -- you deserve better -- you're not supposed to be like the other Credit Cards.

10 months ago

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David Stickles West Jordan, UT

Great rewards and awesome customer service. Any of my issues have been answered and fixed promptly.

3 months ago

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McKenzie Logan, UT

I had a dispute on my credit card with a business that overcharged me for their services. I called AE and explained my situation. They immediately took the charges off my account and then got their team involved to work with the charging company. AE did all the leg work internally and only called me to ask some questions about the situation. Other than that, I never heard anything about it.

1 year ago