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

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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.

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User Reviews

Star Rating

4.3
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450 Reviews

Review Breakdown

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Rosson Shumway

February 26th, 2020 Phoenix, AZ DETAILS arrow_drop_down
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Are use the Delta American express reserve card for sky miles with Delta. Awesome perks and great customer service

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Martha Gourley

February 23rd, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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American Express has good benefits for their card. They just raised their rates and it is too expensive for me.

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Nicholas Cloward

February 21st, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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Didn’t like the online pay service they offered. It seemed hard to stay on top of payments and I got behind very easily. Not much of a fan.

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Jessica

February 21st, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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America Express has amazing customer services and their cards are accepted at most places.

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Customer

February 21st, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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Fees are so high and not everyone takes them. Customer Service are hard to talk to because most don’t speak good English.

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CarenM

February 20th, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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American Express is awesome. I have had several occasions that I needed to dispute a charge and they went to bat for me right away and refunded my money that was in dispute. I love their customer service, they are always friendly and super helpful. I would most def recommend American Express anytime!

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Syl

February 20th, 2020 North Port, FL DETAILS arrow_drop_down
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Member of American Express for many years. I used my American Express card everywhere! I use it to shop for clothes, groceries, etc. It's a great card to use for travel and booking hotels, and flights. I love the reward points! The customer service is available 24/7 and always fantastic service very friendly.

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take7

February 19th, 2020 Sandy, UT

Love the card. Great perks and deals with travel and shopping anywhere. The benefits we get in return make the card worth it -- points and upgrades on car rentals travel flights shopping.

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Hallieford

February 18th, 2020 Arlington, TX DETAILS arrow_drop_down
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I have been able to acquire so many mile using my Amex Card. The rewards and card are great.

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Nichole Hiatt

February 17th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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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.

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fernandopessoa

February 17th, 2020 South Jordan, UT DETAILS arrow_drop_down
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I use AmEx for my business because it allows me the biggest spending limit. I also get money back for what I spend too which is really nice.

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June Cazier

February 17th, 2020 Layton, UT DETAILS arrow_drop_down
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American Express is a great card and company. They are very reliable and dedicated to making my experience great. I totally recommend Amex!

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Lorna Johnston

February 17th, 2020 West Valley City, UT DETAILS arrow_drop_down
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Good service from American Express. I was accidentally late with a payment and my rate was increased which was a bummer, but my own fault.

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Justin McMurtrey

February 16th, 2020 South Jordan, UT DETAILS arrow_drop_down
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We have an AMEX credit card through Costco, which is nice because there is no annual fee. Have been happy with there customer service.

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Amy Christian

February 14th, 2020 Sandy, UT DETAILS arrow_drop_down
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Best customer service hands down, enjoy the discounts on other items for being a Amex card holder. Like that I can earn free flights with my points easily. Easy to transfer points to my delta account from Amex

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GrandpaRod

February 14th, 2020 Lehi, UT DETAILS arrow_drop_down
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I have an American Express Account and I would not go anywhere without it. Thank you for giving us the free baggage with Delta Airlines and for the wonderful customer service. It is worth every penny of my annual fee.

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Justin Riggs

February 14th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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We use a company account. Great service, great rewards for use in travel, gift cards and much much more!

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Annie Robbins

February 14th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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Great app and website. Recently acquired a new card and I could use it instantly.

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David T

February 13th, 2020 Draper, UT DETAILS arrow_drop_down
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I had an Amex for my business. The rewards are great and I got some help from an employee of Amex on how to run my payroll through the credit card for even more perks.

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Randy Rhodes

February 13th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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Have never had any trouble with American Express. Customer service is good and we are issued new cards promptly when needed.

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Karlie Ady

February 12th, 2020 Sandy, UT DETAILS arrow_drop_down
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Our particular credit card gives a 6% cashback on groceries up to a certain limit. We have been very impressed with the amount of cash back we save on this card! As a family of seven groceries are one of our biggest expenses. I highly recommend this card. Don’t love their online system though.

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Juliann Mecham

February 12th, 2020 Managua, MN DETAILS arrow_drop_down
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I love American Express. I love how great of customer service they have and their quality of card. I also like how they offer gift cards, this makes a easy way to give Christmas or birthday gifts to those you love.

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RodrigoRamirez

February 11th, 2020 Austin, TX DETAILS arrow_drop_down
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Opened up a card with them during a $0 transfer balance promotion. I've done so with other credit card companies as well, but appreciated the simpleness of Amex overall.

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Michelle Schow

February 10th, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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I like American Express because they have some good incentive programs when signing up for the card. It is a little bit more difficult to use the card internationally.

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Nicole Sohm

February 9th, 2020 Herriman, UT DETAILS arrow_drop_down
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I had the American Express Costco awhile back when Costco was using them and it was my favorite cc I had. They would give you cashback and offer you awesome rewards!

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Alan Olmedo

February 9th, 2020 Lubbock, TX DETAILS arrow_drop_down
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I recently got a Discover credit card and it has been a life saver. The website and app are easy to navigate and the cashback bonus is amazing.

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Camille

February 8th, 2020 Lynnwood, WA DETAILS arrow_drop_down
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Never have had a problem with Amex. They are user friendly and send out regular statements in your email.

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Amanda

February 7th, 2020 Montebello, CA

I’ve had great experiences with American Express and find that their reward programs are the most impressive. I haven’t had any bad experience.

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James Conder

February 7th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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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

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Joanie Jeon

February 6th, 2020 Potomac, MD DETAILS arrow_drop_down
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I have been using this card for more then 10 years and there are many reward programs and benefit due to the possession of American Express card!

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Lacey Horne

February 6th, 2020 Eagle Mountain, UT

Love the rewards that are offered through this company and that more companies are taking it. So worth it!

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Mhorne182

February 6th, 2020 West Valley City, UT DETAILS arrow_drop_down
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The delta gold sky miles card is my favorite. The perks are nice and the free baggage is awesome. Kind of bummed it can’t be used to access Delta Sky Clubs anymore though.

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Tiffany I

February 6th, 2020 Gaithersburg, MD

My favorite card to use. I build up rewards with every purchase. I use this card more than my debit card. Only wish AMEX was accepted everywhere.

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Eddie Rios

February 5th, 2020 Ogden, UT DETAILS arrow_drop_down
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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.

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Danielle Powell

February 5th, 2020 Long Beach, MS

The annual fee I was approved made this not appealing. Cash back to pay your fee is not a deal when you can get cash back with other cards

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Jamie Neider

February 4th, 2020 Magna, UT DETAILS arrow_drop_down
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Ugh, currently paying such high interest rates. Other than that, a great way to earn miles to travel more!

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PessoaJ

February 4th, 2020 Herriman, UT DETAILS arrow_drop_down
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Have had Amex for a long time with no problems and high credit limits. And they are lowering the rates they charge companies now so even better.

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Beverly Schacher

February 4th, 2020 Long Beach, MS DETAILS arrow_drop_down
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Great fraud detection! They notified me of irregular activity, cancelled my card and got a replacement sent out quickly.

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Kimsreview

February 3rd, 2020 Olney, MD DETAILS arrow_drop_down
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Love my Amex card. I get delta points for it and use it to buy anything from groceries to clothes. I pay it monthly and use the points for vacations.

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Bill Nelson

February 3rd, 2020 Ogden, UT DETAILS arrow_drop_down
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I have mine linked to my Delta account so I earn Delta miles on all my purchases. Love it.

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[email protected]

February 3rd, 2020 Midvale, UT DETAILS arrow_drop_down
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American Express had excellent customer service once you can get to them. They have always been very helpful.

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JamieD

January 30th, 2020 Orange, CA DETAILS arrow_drop_down
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American Express has been great to work with. I chose them because of their cash back benefits. I just furnished a rental property and ran all my purchases through my Amex card. The rewards paid for a huge chunk of Christmas. Awesome!

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terryjamison

January 30th, 2020 Ellisville, MS

Great service and promotions for there card holders !! And the customer service is always helpful on the phone

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Rebekah Douglas

January 30th, 2020 Ogden, UT DETAILS arrow_drop_down
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I love this card with great reward programs and sky miles with this card. Love this card

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chris Francom

January 29th, 2020 Houston, TX DETAILS arrow_drop_down
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I have the delta card through American Express. I’ve been happy overall with no issues or problems except the occasional merchant that either doesn’t take Amex or charges an additional fee to use it.

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Emily Tueller

January 28th, 2020 Lehi, UT DETAILS arrow_drop_down
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We have this credit card to earn sky miles and it’s been a great choice on our part. Just make sure you pay it off every month!

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Kbr

January 27th, 2020 Lahaina, HI DETAILS arrow_drop_down
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I like American Express because it tracks your apology when you never have to worry about whether or not there is some charge on your card that they won’t takeoff. I’ve had excellent customer service but their fees are awfully high! Also don’t like that not every place will take them because then I always have to have a second credit card.

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Erin Farnsworth

January 27th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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My favorite card to use for it’s rewards. I have taken three separate trips that I wouldn’t have without my Amex rewards! Highly recommend. They are also great with refunds and other customer services. I once was a few days late on a payment on accident, and because of my good record, they easily waived the late fee.

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Katie

January 12th, 2020 Valdosta, GA DETAILS arrow_drop_down
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We have had an American Express platinum card for several months now. We have recieved great customer service this far. I appreciate the rewards that come along with it, specifically the lounges in the airports.

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Maya Smith

January 9th, 2020 Jacksonville, FL DETAILS arrow_drop_down
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I love my American Express card. Customer service has been amazing and willing to answer any question I have.