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

5 star
60%
4 star
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3 star
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1 star
6%

Sentiment Criteria

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Diana Melnyk

June 23rd, 2018

I am not currently using an Amex card, but did for years when it was accepted in Canada by Costco. I felt is was a good card with great perks.

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Daniel Coburn

June 18th, 2018 DETAILS arrow_drop_down
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Worst company around for how they treat their customers

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Stan Burg

June 18th, 2018 DETAILS arrow_drop_down
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Their phone contact service is terrible. Kept repeating a representative will be with you in less than a minute but after 15 minutes I hung up.

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M Anderson

June 18th, 2018 DETAILS arrow_drop_down
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Good rewards program fairly low interest rates

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Mohamed

June 18th, 2018 DETAILS arrow_drop_down
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Reliability, outlet all over the world and customer servicd

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Anonymous

June 18th, 2018 DETAILS arrow_drop_down
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outstanding service. goes the extra mile for long term customers.

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intelly-gent.com

June 18th, 2018 DETAILS arrow_drop_down
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excellent customer care,upgrades at earliest to suit the needs of the customers, card imits are great when compared to so many other cards

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Pia Mike

June 18th, 2018 DETAILS arrow_drop_down
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Excellent rates and customer service. I love the immediate availability of a payment

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Thomas

June 18th, 2018 DETAILS arrow_drop_down
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Ease of use, friendly service, convenient locations, good rstes

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Patrick - Yuma, AZ

June 18th, 2018 DETAILS arrow_drop_down
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Excellent customer service! Always on time and I love their reward points that connect with Amazon.

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John M Stanley

June 18th, 2018 DETAILS arrow_drop_down
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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!

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Rafael

June 18th, 2018 DETAILS arrow_drop_down
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Great security service and customer care and advertising product

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Erline Belton

June 18th, 2018 DETAILS arrow_drop_down
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they keep a close eye on charges and they monitor the account and notify me of any unusual charges

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SERGIO LOPEZ

June 18th, 2018 DETAILS arrow_drop_down
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Service value on perks points ease of view of charges

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Jani Crawley

June 12th, 2018 New York, NY

Dont love the yearly fee, but I love all the perks. Like the insurance on rental cars, etc.

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James Crawley

June 12th, 2018 New York, NY

I have the Delta Gold Skymiles card and the Blue Cash back card. American Express is fine...but not stellar. I think the company used to be higher end and more cutting edge but I don't think they are the leader in higher end credit cards anymore. I think JP Morgan is better.

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Sadie Scoville

June 11th, 2018 Pleasant Grove, UT

My Grandma has an American Express credit card and she likes the cash back that she gets.

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Tom

June 10th, 2018 Pleasant Grove, UT

It works great and is accepted almost everywhere. I like that they usually have a larger spending limit and you are not limited to dollar amounts in a single day.

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Kip Fowler

June 8th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I use this card for company expenses and they are great to work with. I have never had a problem with them and their customer service is reliable and efficient.

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Madge Easton

June 7th, 2018 Orem, UT

We used American Express for years but had to switch when Costco went with Citi bank. The service was great and helped us out with charges that were not ours and questioned a few that looked suspicious,

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Tanya

June 5th, 2018 Daytona Beach, FL DETAILS arrow_drop_down
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They are a great company to have a credit card in your wallet willing to help you in everything you might need

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Anonymous

June 5th, 2018 Cleveland, OH DETAILS arrow_drop_down
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not acceoted everywhere and not good experiance with the company as a whole

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A Craw

June 5th, 2018 Draper, UT DETAILS arrow_drop_down
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The best customer service! I am so grateful for Amex. They solved an important fraud issue for me.

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Joanna Hester

June 4th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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We originally only had an Amex card because it was in partnership with Costco. However, once that partnership end, we obtained another Amex card because we loved the benefits so much!

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J Crawley

June 4th, 2018 Provo, UT DETAILS arrow_drop_down
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I've liked Amex in the past but I recently received an offer in the mail When I called Amex to inquire about it, I was told I did not qualify. Please don't send offers to me if I can't use them.

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Amelia Gibson

June 4th, 2018 South Jordan, UT DETAILS arrow_drop_down
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I like this company, they are really easy to use. And they resolve disputes quickly.

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Kristin

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I have the Delta American Express and love to use it when I fly.

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L. Fowler

May 30th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I got a Amex card when I was wanting to get frequent flyer miles. It delivered on the miles but there was an annual fee involved of $99. I really don't want to pay anymore for a credit card if I don't have to. Cancelling the service went well though. Their customer service was great to work with.

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H Moore

May 28th, 2018 Lehi, UT DETAILS arrow_drop_down
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We use the American Express Delta Skymiles, and we love the program. Almost all of our airfare is free.

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P Crawley

May 26th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I use my Amex card for as many things as I can so I can get the points. I use it for my business too. Their customer service is great.

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Rachelle Rude

May 16th, 2018 Mankato, MN DETAILS arrow_drop_down
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If you have a dispute OR fraud ... go with AMEX! They are a company that truly takes care of you alway. Have trustwd them for years. Love my AMEX!

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Craig

May 7th, 2018 Newport Beach, CA DETAILS arrow_drop_down
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Good and fair company. Business oriented definitely. Professional, people we talk with

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Vicki A Michaels

May 1st, 2018 DETAILS arrow_drop_down
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Good product, but I wouldn't pay to have one of the higher end cards.

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Thomas Hansen

May 1st, 2018 Palo Alto, CA DETAILS arrow_drop_down
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I've been very happy with my Delta Gold and Starwood Preferred American Express cards. The rewards are good and the customer service is always superb.

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Robyn Rhoton

April 24th, 2018 Alpine, UT DETAILS arrow_drop_down
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I use my American Express credit card because I like the flexibility of how I can use the points. I can use points for flights, hotels and even charity. American Express is not accepted everywhere but I find I can use the card at most places. They have also been great to follow up on questionable charges which gives me peace of mind.

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Alaina Gull

April 21st, 2018 Falmouth, ME DETAILS arrow_drop_down
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I’ve been a customer for years. We love the rewards program. It’s so easy and hassle free.

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Chase H

April 18th, 2018 Provo, UT

American Express is the odd-man out. Other cards are accepted in more places. Visa seems to be much more universal.

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P. Palmer

April 17th, 2018 El Paso, TX DETAILS arrow_drop_down
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It was easy to get an American Express credit card and they are always helpful when we call with problems. The flight rewards we get are great also!

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Amanda

April 16th, 2018 Sherwood, OR DETAILS arrow_drop_down
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I used their Credit card through Costco when they were partner with them... Easy app to use. Great reward program.

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Carolee AhPing

April 16th, 2018 Heber, UT DETAILS arrow_drop_down
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I love American Express. They took good care of you. Great customer service

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Michael

April 15th, 2018 Ogden, UT DETAILS arrow_drop_down
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Points are always a great bonus when spending money.

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Maryayb

April 11th, 2018 Draper, UT DETAILS arrow_drop_down
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I’m all about the benefits! I have multiple cards and love them all! I love the delta miles and the flexibility of membership rewards points that I use for travel as well or for gift cards etc!

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Anna

March 5th, 2018 Columbia, SC DETAILS arrow_drop_down
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very good, told me my options and let me to know I could change later if I wanted to.

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Dikthod

February 26th, 2018 Bellingham, WA DETAILS arrow_drop_down
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AMEX has always worked well to solve problems. Also there haven't been many of those either.

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Anonymous

February 26th, 2018 Hialeah, FL DETAILS arrow_drop_down
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Always a good experience Have had them and they are the best

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ps2os2

February 26th, 2018 Chicago, IL DETAILS arrow_drop_down
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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.

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Willa

January 22nd, 2018 Cypress, TX DETAILS arrow_drop_down
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It forces me to buy only what I can pay for.

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Joe

January 22nd, 2018 DETAILS arrow_drop_down
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Reliable, slower payoff! Great auto program!

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Shelly

January 15th, 2018 Missoula, MT DETAILS arrow_drop_down
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website is easy to use, good for frequent flyer miles, keep my rate percentage down.

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Kathy Marsala

January 15th, 2018 Central City, KY DETAILS arrow_drop_down
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the amount of credit is helping in times of need.