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

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8.8 Overall Score
4.4
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(366)

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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440 Reviews

Review Breakdown

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

Sentiment Criteria

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Alicia

January 3rd, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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Been very good to me they explains things so people can understand it there fees are low

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David

January 3rd, 2018 Norman, OK DETAILS arrow_drop_down
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Good card. I really enjoy getting to use it on vacation and when I order online

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Dale Ash

December 19th, 2017 Sandy, UT DETAILS arrow_drop_down
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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.

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ELMER THUSTON

December 18th, 2017 Birmingham, AL DETAILS arrow_drop_down
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NO LIMIT. YOU NEVER HAVE TO WORRY. CUSTOMER SERVICE IS GREAT.

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Mario D

December 18th, 2017 Miami, FL DETAILS arrow_drop_down
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They lower your redemption value for reward points based on what purchases you want to credit, so you always get less than 100% value of your points balance.

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Mary Ann Johnson

December 18th, 2017 Thomasville, GA DETAILS arrow_drop_down
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i was not please when i tried to pay a bill and the company that i was paying said they did not honor american express cards, so i had to go and purchase a money order to pay my bill

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Nancy Moore

December 18th, 2017 San Antonio, TX DETAILS arrow_drop_down
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Easy to use - get rewards - pay it off each month

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Nancye Rahn

December 18th, 2017 Bristol, TN DETAILS arrow_drop_down
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They have always been easy to work with and provide insurance on my travels.

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Chris Wootton

December 18th, 2017 Ogden, UT DETAILS arrow_drop_down
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Not a great company very expensive fees.

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Hannah

December 18th, 2017 Pleasant Grove, UT DETAILS arrow_drop_down
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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.

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Allen Bronson

December 18th, 2017 Idaho Falls, ID DETAILS arrow_drop_down
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They lowered my credit limit in the middle of transactions that caused me over the limit fees. When I called customer service to get to the bottom of it, I could not understand the representative (they were from a foreign country) so I asked for somebody else that I could understand and they replied that i could not speak to somebody else. Not very happy at all with Amex customer service. I expect much better from a large well-known company.

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Carlee Toone

December 12th, 2017 Provo, UT DETAILS arrow_drop_down
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I have had a positive experience with American Express so far. Their app is easy to use and it's always clear what my payment is and when it is due.

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Valerie Gundersen

December 12th, 2017 American Fork, UT DETAILS arrow_drop_down
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American Express customer service has always served me and my family very well! Very friendly and efficient!

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Penny Haines

December 11th, 2017 Las Vegas, NV DETAILS arrow_drop_down
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They watched carefully for fraud charges & resolved them quickly. Was able to earn rewards & collect them easily when they were associated with Costco.

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Chanda Banerjee

December 11th, 2017 Augusta, GA DETAILS arrow_drop_down
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when ever I have a question I get an expert and courteous answer.

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Mark Troxel

December 11th, 2017 Saratoga Springs, UT DETAILS arrow_drop_down
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I like the reward miles earned on every purchase. I used this everyday to purchase everything. I have found very few locations that do not accept Amex.

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Shohreh

December 11th, 2017 Phoenix, AZ DETAILS arrow_drop_down
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Great customer service & great reward points that are easy to redeem.

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Royal A. Brown III

December 11th, 2017 Winter Haven, FL DETAILS arrow_drop_down
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Great Service - Agents always professional, courteous & knowledgeable. Easy to manage using online website. Awards Program. Ease of Dispute Process.

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Ray Leven

December 11th, 2017 Philadelphia, PA DETAILS arrow_drop_down
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People friendly operators Reasonable. Good rewards

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Cassidy Gundersen

December 6th, 2017 Orem, UT DETAILS arrow_drop_down
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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.

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jack vierling

November 28th, 2017 Jacksonville, FL' DETAILS arrow_drop_down
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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.

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Bonnie Esrig

November 28th, 2017 Alpharetta, GA DETAILS arrow_drop_down
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They are easy to reach, easy to understand, and make it easy to resolve problems.

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Jody

November 28th, 2017 Milton, VT' DETAILS arrow_drop_down
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This company has knowledgeable and courteous representatives

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Catherine Trujillo

November 28th, 2017 Glendale, AZ DETAILS arrow_drop_down
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Not widely accepted. Many businesses do not accept american express. I chose it over a visa because I thought it was a better card but I was a bit disappointed.

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Grant Lowell Crezee

November 28th, 2017 West Jordan, UT DETAILS arrow_drop_down
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Spent a lot on interest. The payments are just enough to never pay off the bill.

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Paula

November 28th, 2017 Frisco, TX DETAILS arrow_drop_down
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Top notch service. They've contacted me when my card was compromised and had a new card delivered 24 hours later.

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Satisfied Customer

November 28th, 2017 Ponchatoula, LA' DETAILS arrow_drop_down
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Great customer service - they are always so helpful and very friendly.

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DENIS GONZALEZ

November 20th, 2017 Alfred, ME DETAILS arrow_drop_down
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Because it has very low credit limits, despite the good credit record I have. It's hardly accepted anywhere in my country.

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Satisfied Customer

November 13th, 2017 Auburn, CA' DETAILS arrow_drop_down
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Always superior customer service whenever I've had a problem with any merchandise or merchant.

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saleema king

November 13th, 2017 Burlington, NJ DETAILS arrow_drop_down
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Customer service and quality of care they offer to their customers

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Alex Murphy

November 2nd, 2017 Reno, NV DETAILS arrow_drop_down
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Amex is awesome! We have their Cash Preferred card and love the benefits. They have great customer service

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Connie Mayer

November 2nd, 2017 South Jordan, UT DETAILS arrow_drop_down
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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.

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Gary Mayer

November 2nd, 2017 South Jordan, UT DETAILS arrow_drop_down
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Use a delta reserve card and have flown all over the world for free

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Lindsey Andersen

October 30th, 2017 Provo, UT DETAILS arrow_drop_down
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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.

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jeff

October 30th, 2017 Holden, MA DETAILS arrow_drop_down
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I have had my American Express Platinum credit card for 4 months. I use it for my business. I have paid them $42,264. While they advertise this card as no pre set spending limit, there is. They also want to call your bank and verify funds for a payment before you can use the card again. Their customer service is HORRIBLE! They transfer you around to India, Arizona back and forth. No one wants to help you all they do is read from a computer screen!

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David

October 30th, 2017 Orem, UT DETAILS arrow_drop_down
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Really the reason it's a 3 is because I got zero benefits from using the card - really zero.

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LIZ MUSCH

October 24th, 2017 DETAILS arrow_drop_down
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Good services, clear communication, extra coverage when traveling

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Damon Wilson

October 24th, 2017 DETAILS arrow_drop_down
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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.

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Carole

October 24th, 2017 Columbia, MD DETAILS arrow_drop_down
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Timely response to questions regarding account and great customer service.

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Book Chick, Inc. d/b/a Myopic Books

October 16th, 2017 New Lenox, IL

Outstanding customer service. Excellent rewards program is icing on the cake.

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G. Goodrich

October 9th, 2017 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.

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Christine

October 9th, 2017 Hyattsville, MD

I've had a while, no problems with purchasing

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robert Brancato

October 3rd, 2017 Rapid City, SD

Contact made to the company for both payment and interest rate increase. They were quick and resolved the issue immediately.

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Edmond

October 2nd, 2017

Limited acceptance of the card. Amex is not accepted as much as Visa or Mastercard

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Thomas Craig

October 2nd, 2017 Missouri City, TX

They are accepted almost everywhere. They gave me high credit limits and have automatically increased them due to my payment history. I also get hotel points.

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RB

October 2nd, 2017

Received 0 cash from an atm, but atm reported cash was dispensed. This was my paycheck money, i was using for evacuation from fl when irma was on way. Amex refused to review the transaction before the 18th of sept. They refused to even credit me the money as badly as i needed it. I been with them for years and the absolutely refused to assist me. I immediately stopped my direct deposit and went with pnc bank.

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Reggie

September 26th, 2017

Terrible. Not telling the long story. Had ya for 4 yrs. No longer will. No more needs to be said.

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Paula

September 25th, 2017 Detroit, MI

I love earning flying miles. It is easy to use.

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Tom Kosky

September 25th, 2017 Staten Island, NY

usually i have no complaints but when and if i do they take care of the problem right away.their customer service reps are polite and helpful.

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Win

September 25th, 2017 Fullerton, CA

Itemized statements, good phone representatives, good insurance protection experiences, no fee for foreign currency purchases