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
(496)
company logo
#3 Discover chevron_right
8.8 Overall Score
4.4
starstarstarstarstar_half
(371)

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

450 Reviews

Review Breakdown

5 star
60%
4 star
22%
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_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

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.

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

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.

starstarstarstarstar_border

MattB

March 14th, 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 11th, 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

Wendy

March 10th, 2020 DETAILS arrow_drop_down

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

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

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_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!

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

Sade Makinde

March 10th, 2020 DETAILS arrow_drop_down

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

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

Fr.+ Richard Donohoe

March 10th, 2020 DETAILS arrow_drop_down

Good they are attentive and help me when needed.

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

Paul

March 10th, 2020 DETAILS arrow_drop_down

Outstanding customer service, great card benefits and travel benefits

starstarstarstarstar

Mike Tierney

March 10th, 2020 DETAILS arrow_drop_down

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

starstarstarstarstar

Micki Wiersma

March 10th, 2020 DETAILS arrow_drop_down

Perfect customer service in all instances including hacked accounts

starstarstarstarstar

M Schwartz

March 10th, 2020 DETAILS arrow_drop_down

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

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

Michael Thomas

March 10th, 2020 DETAILS arrow_drop_down

My card was compromised and they took care of everything seamlessly

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

starstarstarstar_borderstar_border

JS

March 10th, 2020 DETAILS arrow_drop_down

They were great company until they raise their rates for cards

starstarstarstarstar

Jim ODay

March 10th, 2020 DETAILS arrow_drop_down

Great service. Always someone there to help if needed.

starstarstarstarstar

James Graves

March 10th, 2020 DETAILS arrow_drop_down

In my opinion they are a first line company. I've always had a wonderful experience with American Express.

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

Ed

March 10th, 2020 DETAILS arrow_drop_down

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

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.

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

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

Charoletta Ransom

March 10th, 2020 DETAILS arrow_drop_down

Absolute professionalism and excellent customer service

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.

starstarstarstarstar

Gioacco

March 10th, 2020 DETAILS arrow_drop_down

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.

starstarstarstarstar

Keron Grey

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

I love the rewards that I get back from this card and I can track my purchases easily and I'm so grateful.

history
starstarstarstarstar

Myken

March 8th, 2020 Cheyenne, WY DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Excellent customer service and great cards with lots of good rewards! I have three different American Express cards and their app is so easy user friendly, which helps me effectively manage my different cards!

starstarstarstarstar_border

Randi Nelson

March 6th, 2020 San José, SJ DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

I like American Express because it offers different things than other credit card companies, and it gives variety to my card, membership, and benefits.

starstarstarstarstar

Bryan Jensen

March 6th, 2020 South Jordan, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Been a member for almost 10 years. Great service, fraud protection is top notch.

starstarstarstarstar

Eny Donnelly

March 4th, 2020 Port Saint Lucie, FL

The best credit card ever, I have it since 2001 and w loved it, very protected to customer and free annual fee

starstarstar_borderstar_borderstar_border

J M

March 4th, 2020 Orem, UT DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Had a Delta platinum Amex Card for years but annual fee was going way up this year. Did get miles but just didn’t seem worth the cost. If you’re going to fly a lot then discarded be good to have.

starstarstarstarstar_border

russbayles

March 3rd, 2020 West Valley City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Love my AmEx delta sky miles card. Have used it to fly free to several destinations. Wished the points to fly weren’t so high but beggars can’t be choosers. I’ll keep using mine as my go to card.

starstarstarstarstar

Jennifer Donnelly

March 3rd, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

With American Express I do not have to worry about credit theft because the customer care is unbeatable. I feel safe using this credit card.

starstarstarstarstar

Maryann Renteria (Mckrae)

February 29th, 2020 Phoenix, AZ DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Always impressed with this company! Great card to have and stellar help whenever you need it!

starstarstarstarstar_border

Bryndie

February 29th, 2020 Managua, MN DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Really good cash back policies if you look. Seems like a small rate but it adds up so fast and can be a great way to save some money.

starstarstarstarstar

MaryAnn Hagblom

February 27th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Love having sky miles to delta and 1 free check in luggage when I fly. Very easy to get refunds from purchases you did not do.

starstarstarstar_borderstar_border

Tiffany Barney

February 27th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Great card, but I prefer a card that will reimburse me for travel. I will keep my am ex though for emergencies.

starstarstarstarstar

Nicole Jones

February 27th, 2020 Sandy, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love my American Express Platinum Card and use it for all my day-to-day purchases and international travel. They have wonderful customer service and their annual fee is extremely affordable. As an added bonus, I love getting the companion certificate for Delta each year!

starstarstarstarstar

Linda Lender

February 27th, 2020 Orem, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I love my American Express card. They are partners with Delta airlines on the cars that I have. And I get free baggage service for me and all of my party when I travel .