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American express Review

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Reviews 2,566

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Michael Graw
Michael Graw
Jan. 25, 20224 min read

American Express Blue Cash Everyday summary

American Express is one of the largest credit card companies in the world, with more than 110 million active cards. Among its offerings are the Blue Cash Everyday, a cashback card with no annual fee, and its Blue Cash Preferred, which offers more cashback in exchange for a $95 annual fee. Meanwhile, its Gold Card and Platinum Card are points-based cards that offer perks for travel and dining.

Pros

  • Offers a cashback card with no annual fee
  • Gold and Platinum cards provide travel perks
  • Excellent security and fraud protection

Cons

  • High annual fees for points cards
  • Welcome bonuses require large spend

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Overview

American Express was founded in 1850 and has grown into one of the largest credit card companies in the world. It has more than 110 million active cards and accounts for nearly one-quarter of all credit transactions in the US. In addition to offering several of its own branded credit cards, American Express has dozens of co-branded cards for specific airlines and businesses.

Suitable for?

The various cards offered by American Express are made to benefit different types of spending.

The American Express Blue Cash Everyday and Preferred cards are cashback cards designed to reward you for everyday purchases on groceries and gas. You’ll earn 2% back on gas and department store purchases and 3% back on groceries with the Blue Cash Everyday card. With the Blue Cash Prefered card, you’ll earn 3% on gas and transit purchases and 6% back on groceries.

The Blue Cash Everyday card doesn’t have an annual fee, so it’s suited for anyone in search of a fee-free rewards card. The Blue Cash Preferred has no annual fee for the first year, then a $95 annual fee, making it ideal for those who spend enough on gas, transit, and groceries every year to cover that fee.

The Gold Card and Platinum Card offer membership rewards points that you can use to book travel, transfer to airline or hotel loyalty programs, or redeem for cash. The Gold Card offers 4X points on dining and groceries and 3X points on flights, as well as $120 in Uber credits and $120 in dining credits each year. 

The Platinum Card offers 5X points on flights and hotels. It also comes with $200 in hotel credits, $200 in airline fee credits, $200 in Uber credits, $179 in CLEAR airport security credits, and a free Walmart+ membership each year.

Both the Gold and Platinum Cards are great for travelers and people who like to dine out. The Gold Card is better if you mostly spend on dining and groceries or don’t want a card with a large annual fee. The Platinum card is better for those who spend a lot on flights and hotels and who can take advantage of all the statement credits on offer.

Interest Rates and Fees 

The Blue Cash Everyday and Preferred cards carry interest rates of 13.99%-23.99% APR. The Blue Cash Everyday has no annual fee, while the Blue Cash Preferred has a $95 annual fee that’s waived for the 1st year. Both cards have a foreign transaction fee of 2.7%.

The Gold Card and Platinum Card carry interest rates of 15.99%-22.99% APR. The Gold Card has a $250 annual fee, while the Platinum Card has a $695 annual fee. There are no foreign transaction fees on either card.


Annual FeeAPRForeign Transaction Fee
Blue Cash EverydayNone13.99%-23.99%2.7%
Blue Cash Preferred$95 (waived for 1st year)13.99%-23.99%2.7%
Gold Card$25015.99%-22.99%None
Platinum Card$69515.99%-22.99%None

Rewards & Cashback

The Blue Cash Everyday and Preferred cards offer cashback on purchases that you can redeem for statement credits. The Blue Cash Everyday offers 3% cashback on groceries (up to $6,000 in purchases), 2% on gas and department store purchases, and 1% on all other purchases. When you sign up and spend $2,000 in your first 6 months as a cardholder, you’ll get a $200 statement credit.

The Blue Cash Preferred offers 6% cashback on groceries (up to $6,000 in purchases) and streaming subscriptions, 3% on gas and transit-related purchases (including parking, Uber and Lyft, and bus tickets), and 1% on all other purchases. You’ll get a $300 statement credit when you spend $3,000 in your first 6 months as a cardholder.

The Gold Card and Platinum Card offer membership rewards points that can be redeemed for flights and hotels, gift cards, statement credits, and more. The Gold Card offers 4 points per dollar on dining and groceries (up to $25,000 in purchases), 3 points per dollar on flights, and 1 point per dollar on all other purchases. You also get up to $120 in statement credits for Uber and $120 for partner restaurants each year. When you spend $4,000 within your first 3 months, you’ll get a 60,000 rewards points bonus.

The Platinum Card offers 5 points per dollar on flights and hotels and 1 point per dollar on all other purchases. For your first 6 months, you’ll also receive 10 points per dollar at restaurants and small businesses. The Platinum Card comes with several annual statement credits, including:

  • $200 for hotels
  • $240 for digital streaming and news subscriptions
  • $155 for a Walmart+ subscription
  • $200 for Uber
  • $200 for airline fees
  • $300 for an Equinox exercise subscription
  • $179 for a CLEAR airport security subscription

In addition, you’ll receive 100,000 rewards points when you spend $6,000 in your first 6 months as a cardholder.

The Application Process

You can apply for any American Express credit card online and get a decision in as little as 30 seconds. You just need to enter your personal information and submit to a credit check. For new applicants, this is a hard credit check that may impact your credit score. For existing American Express cardholders, the company performs a soft credit check when you apply for a new card.

Help & Support

American Express offers 24/7 customer support by phone, email, and live chat. You can also find answers through the company’s detailed online knowledgebase. 

Online chat hours: 24/7

Phone call hours: 24/7

Security

American Express has a dedicated fraud prevention team and assures cardholders that you’re never responsible for fraudulent purchases with your card. You get shopping protection and fraud alerts, and your online account is protected by biometrics in addition to 2-factor authentication. When you’re traveling, you have access to a 24/7 hotline for emergency assistance, and American Express can replace a lost or stolen card anywhere in the world within a few days. 

FAQ

Does American Express charge foreign transaction fees?

The Blue Cash Everyday and Blue Cash Preferred have a 2.7% foreign transaction fee. The Gold Card and Platinum Card have no foreign transaction fees.

How much are American Express membership points worth?

American Express membership points are usually worth $0.005-$0.01 per point, depending on how you use them. You can redeem 1 point for $0.006 as a statement credit.

Conclusion

American Express offers the Blue Cash Everyday and Blue Cash Preferred for cashback and the Gold Card and Platinum Card for membership rewards points. The Blue Cash Everyday comes with no annual fee, so it’s great if you want cashback on a small volume of purchases. The Blue Cash Preferred offers extra cashback on gas, transit, and groceries, so it’s a good option if you spend a lot in these categories. The Gold and Platinum Cards have higher annual fees and offer extra rewards for dining and travel. The Gold Card is better for those who mostly spend on dining and groceries, while the Platinum Card is more suited to those who spend big on flights and hotels.

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Methodology

This review was completed using information on the American Express website.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Bjorn
    Jan 01, 1970
    Zeer tevreden met American Express

    Zeer tevreden met mijn American Express kaarten. Zowel zakelijk als persoonlijk.

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  • author
    Luca
    a day ago
    Non mi vogliono!!!

    Ho richiesto il loro servizio con la american express blue legata alla promozione payback.com dove c'era la possibilità di avere la carta con il canone 0€ per sempre...... Guarda caso non hanno accettato la mia pratica, pur avendo tutte le caratteristiche per ottenere la carta. Lavoro dipendente a tempo indeterminato, nessun debito, conto corrente regolare, senza mai essere andato in rosso. Non si sono degnati neanche di avvisarmi del rifiuto, ma ho dovuto telefonare io....... PESSIMI!!!

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  • author
    HelpfulDad
    a day ago
    Amex will lose customers faster than Kwasi Kwartang lost the confidence of city traders

    Could not update my debit card details on the website even though it is at its sell by date. I have a new debit card. Barclays will not process any payments on the old debit card but AMEX have no facility for either deleting old cards or for adding new ones!!!! Never come across this before Worse still, the chat online is clearly just on autopilot with no one at the controls!!! Dismal customer service. I will stop using this card in protest even though I spend about £20000 a year or more on this card Arrogant and complacent, they will lose customers faster than Kwasi Kwartang lost the confidence of city traders. Someone at Amex with a huge bankers bonus is taking the urine out of the organisation

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  • author
    Nicola
    a day ago
    Amex cancelled my card which was still valid, because I didn't use it enough

    I have been with American Express for 19 years, I admit I have not used my card for some time but it was valid until 2026. I was shocked and embarrassed to have it declined a few weeks ago and was informed by their outsourced customer service, this was because I have not used it for some time so they had cancelled it!! Please note in the 19 years I have been with Amex I have always paid off any statements in full immediately. I could not understand why they didn't wait till my card expired so I asked to speak to a Manger but was told it would take 2 working days for a Manager to call me. One week later I had not received a call. After chasing to find out why, I was then put through to a Manager who told me in their terms they can cancel my contract at any time if I don't use my card. He actually sounded very proud to tell me this, like it was my fault, he certainly wasn't going to try to help me that was evident. Im no longer a card holder - but I can re apply - LOL , would you after this experience? If you are thinking about applying for an Amex card please use my experience as an indication on how they value their customers. Do you want to be standing at a till and have your card declined? I don't quite understand why Amex would spend money advertising to try and bring in new customers when they simply chuck out those that don't spend enough. Very narrow minded as I have another credit card which I had been using as my primary card but decided to start using my Amex again which unfortunately I couldn't do. The customer service was Zero. Not only did they not call me back as arranged they made is very evident they they will do nothing to try and help me get my account reopened clearly they don't want me as a customer. Anyone thinking what I used to think, that Amex is a reputable professional company? times have changed, just because I haven't been using my card doesn't mean Im not a potentially good customer instead I'm am now someone who will share my experience and Amex have underestimated the value of Word of Mouth as well as losing an old customer that was coming back - thank you Amex, I will continue to use my other credit card who want my business

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  • author
    Priya
    2 days ago
    Avoid amex credit cards

    As others have said avoid Amex credit cards. Customer service is terrible. Their website and app are difficult to use. Payments do not go through leading to interest charges on unbilled charges. Even after your statement balance is paid in full you will receive a trailing interest charge. Per their statement, interest will be charged even if you pay the balance in full and on time and make no new charges. When you call customer service or use their chat system you are often disconnected or get the run around. Not the service expected especially when paying high membership fees.

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  • author
    Taiko K
    Jan 01, 1970
    American Express has raised the…

    American Express has raised the interest on my credit card to 28%. I called and asked what is the reason they simply answered its because of Prime. All my credit cards such as Discover, Citicard...did not go up, They even offerred 0.99% and 1.99% to customers for a year to help with a hard time even Prime. American Express is so Evil to their good and long time customers.

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  • author
    Beth Knowles
    Jan 01, 1970
    Great Customer Service

    I accidentally had issues with my card and got hold of customer service which were brilliant! They have never failed to sort any of my issues out.

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  • author
    Jules
    Jan 01, 1970
    This is the worst credit card costumer…

    This is the worst credit card costumer service I have ever had. All I want to do is cancel the card at this point. Sucks losing my delta benefits but when they make you feel helpless and begin to charge fees for little things here and there. The downfalls outweigh the benefits.

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  • author
    J.T
    Jan 01, 1970
    Kündigung wird ignoriert

    Ich habe vor 20 Tagen postalisch per Einwurf meine Kreditkarte gekündigt. Bis heute habe ich keine Kündigungsbestätigung erhalten. Über den sicheren Email Service meines Kartenkontos, habe ich ebenfalls gekündigt. Es kam lediglich ein paar Tage später meine Emailanfrage in merkwürdiger Schrift zurück. Ich bin sehr enttäuscht, dass ich bisher keinerlei Rückmeldung erhalten habe.

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  • author
    Paul
    Jan 01, 1970
    They don’t care about the customer

    I have been a loyal AmerEx customer for 40 years. The customer service I received today was so bad that I decided to cancel my account. In the past, they were very helpful and willing to go the extra mile to keep the customer happy. Now, we are just a number and deliver terrible customer service. Truly unfortunate……they used to be a great company.

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  • author
    Realitätscheck
    Jan 01, 1970
    Leider viel schlechter als früher

    Hab Amex im Ausland versucht zu nutzen ohne Erfolg letztlich. Bekam vom Anbieter später eine E-Mail mit dem Text "Zahlungsmethode scheint nicht zu funktionieren! Würdest du sie gerne aktualisieren?". Dann eben kein Amex mehr. Dazu will Amex beim Login erneut Daten die bereits vorliegen und dies in eine Bearbeitungsnummer verpacken, warum auch immer. Kann man übergehen bisher um die Abrechnung einzusehen, wer weiß, vielleicht ist die Karte intern blockiert. Habe nicht nachgefragt, da dies umständlich ist und Amex hätte sich melden müssen. Früher haben die sich sofort gemeldet, wenn etwas nicht passte. Warum auch immer Amex die Zahlung nicht verarbeitet hat und scheinbar am Ende abgelehnt aber erst durchgelassen hat. Bedauerlich das die Zeit von Amex langsam abgelaufen zu sein scheint. Werde die Karte wohl kündigen müssen.

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  • author
    Nitesh Vaghjiani
    Jan 01, 1970
    Absolute liars

    Absolute liars They say things on the phone, when time comes to pay the rewards, they never said those things on the phone. they hide important conditions during application Again Absolute liars I’d rather give my business to other genuine companies

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  • author
    Dyson Willingham
    Jan 01, 1970
    I had my cards stolen from me out of…

    I had my cards stolen from me out of Florida and someone used them in Delaware, why they tell me to get with the merchant where the cards were used for a refund?? This was not even 30 minutes apart from the purchase. Now they refuse to give me a refund, I had to play the police for money I used through them. The worse company ever.

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  • author
    Maria Müller
    Jan 01, 1970
    Unseriös

    Unseriös Seit Monaten gibt es keinen Zugriff mehr auf die eigenen Kontodaten und Rechnungen. Es wurde eine Zwangsabfrage eingeführt, die persönliche Daten einfordert. Aber das Unternehmen weigert sich, über den Grund dieser Einführung zu informieren. Bucht aber fleißig ab, ohne dass ich selbst die Beträge kontrollieren kann.

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  • author
    david williams
    Sep 25, 2022
    very rude on phone

    very rude on phone

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  • author
    Sherif Badawy
    Sep 25, 2022
    They owe me 750$ and they canceled my…

    They owe me 750$ and they canceled my card and not returning my money to me , they do have horrible customer service and I am waiting for my refund and they just don’t care

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  • author
    Berry
    Sep 25, 2022
    tevreden gebruiker

    Ik ben een tevreden gebruiker. Ik ervaar geen problemen. Medewerkers klantenservice zeer vriendelijk en behulpzaam. Jammer dat bij de geldautomaten van geldmaatje nog niet mogelijk is.

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  • author
    Allie
    Sep 24, 2022
    Promising company but low pay

    The interviewer read three questions from a piece of paper then gave answers that were previously written and rehearsed. The second interview was great, the interviewer was amazing. However, she had her camera off and I also got the distinct sense that she was too nice and gave me too much time leading me to think that she had already decided to not hire me. After 30 years of interviews, ones that are too short or too long tend to be red flags. They were both great and likeable however and I could see why they became managers. The only caveat is that they mass hire so going through this process was unnecessary as they form their initial opinion in a few seconds. They're slightly controlling as they send you a list of things you have to learn and how to answer questions. It appeared as if they wanted the cookie cutter worker.

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  • author
    Jake
    Sep 24, 2022
    Amex service, access, and communications failure

    Yesterday and today I have spent total of 4 hours trying to gain access to my accounts. Customer service is a joke and no one can actually make the system function. After SUBMIT the response "We are having issues. Please try again later". The inability of service from India is the punch line. Their inability to speak clearly is disgusting and just adds to their decline.

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  • author
    Bill Shaw
    Sep 24, 2022
    No politics at Amer. Express

    I am a long time Am. Express customer. I do not like their entrance into politics by tracking people who purchase guns or ammunition or related products. What is next? Its none of their business what I buy as long as I pay the amount due. If they do this, Goodby American Express

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  • author
    Jmhones
    Sep 23, 2022
    If you cannot afford this

    If you cannot afford this, dont use it. I love the rewards programs and consistent offers they provide.

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  • author
    Brie Moreau
    Sep 23, 2022
    I earn over $200k+ a year an no response???

    I applied for a credit card on 14th July and have reached out multiple times with no response AND I earn over $200k+ a year W T F!! AMEX PLEASE RESPOND TO MY EMAILS ON BRIE at WLDM.IO

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  • author
    Volkan
    Sep 22, 2022
    Nie wieder American Express

    Ich habe vor 2 Monaten eine Zahlung an American Express durchgeführt und versehentlich einen falschen Verwendungszweck benutzt. Dies habe ich am selben Tag bemerkt und auch direkt telefonisch und per Email das ganze mitgeteilt und auch ein Bild der Überweisung gesendet. Seit nun 2 Monaten habe ich alle paar Tage ein Gespräch mit der Hotline jedoch können die mein Geld nicht finden. Obwohl ich beweisen kann das ich den Betrag überwiesen habe und auch eine Bestätigung der Bank habe das American Express das Geld erhalten hat, kann mir American Express nicht weiterhelfen. Das einzige was ich machen kann ist alle paar Tage anzurufen und das selbe zu hören das eine andere Abteilung sich mit meinem Fall beschäftigt, ich jedoch in der Zwischenzeit Mahnbriefe nach Hause bekomme das ich den Betrag bezahlen soll. Selbst ein Recall seitens meiner Bank wurde von American Express abgelehnt. Nie wieder werde ich Kunde von American Express

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  • author
    sudarshan thapa
    Sep 22, 2022
    so weirdo

    so weirdo, I will never use this and also tell all of my peoples to not go for it . they are simply a cheater and they cheated on me . They gave me some welcome bonus and down the road debited that back to my account. I had to be on phone pretty much everyday and talk with them hours and they were pretty bad on customers service . Never got my money back . Same on them being this big company and not being able to keep their customers happy. They should learn that their business stays around their customers .I hate to tell this but I am never never going to make good words about this company.

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  • author
    Andrea Carranza Muñoz
    Sep 22, 2022
    I would rate 0 stars if I could

    They have the worst customer service I have ever experienced. Yesterday I called and tried to change 2 tickets from Bogotá to Barcelona that my parents could not make because my grandma passed away the same day. Despite the fact that I informed them about the situation, I was on the phone for 3h yesterday, and no one helped change or cancel the tickets. They connected me to different people and had me waiting for 2.5 out of the 3h. Since I don´t live in the US, those calls costed me 100euros, plus the 3000euros I lost on the tickets. I am sure they test your patience until you hang up, so they don't have to take many calls or help anyone. I hope everyone gets fired from that department because they definitely are not able to do anything.

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  • author
    Cosvac Latifaa
    Sep 22, 2022
    Ihr solltet mal bitte neuen…

    Ihr solltet mal bitte neuen automatischen Ansprechsroboter einstellen, meine Frage werden nicht spezifisch beantwortet und werde an einem Mitarbeiter weitergeleitet der nach 10 sec einfach auflegt. Also von Service habt ihr echt null Kompetenz!

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  • author
    Jannis Bengsch
    Sep 22, 2022
    Unterirdisch

    Ich besitze nun seit 4 Monaten eine Platin-Card und war, bis vor einer Woche, zufrieden. Nachdem ich bereits einen Kunden geworben habe und die Karte für beinahe alle Zahlungen des Alltags (sofern Amex denn akzeptiert wurde) genutzt habe, tätigte ich vor wenigen Tagen eine hohe Zahlung an einen Händler, womit der absurde Dialoge startete. Laut Verfügungsrahmen der App war der Betrag gedeckt. Nach erfolgreicher Zahlung erhielt ich eine Mail, dass nach einer Standartüberprüfung meines Kundenkontos die Karte gesperrt und mein Zahlungsrahmen (auf unbestimmte Zeit) auf 4.500 EUR im Monat limitiert wird (und das bei einer Platin-Card, das muss man sich erstmal auf der Zunge zergehen lassen). Nach etlichen Telefonaten mit der Hotline und widersprüchlichen Aussagen (meine Zahlungshistorie ist selbstverständlich lupenrein), sollte ich den aktuellen Stand per Zwischenzahlung ausgleichen. Dies tat ich via Echtzeitüberweisung und das Konto war 2 Tage später freigegeben. Mit Bitte um Aufhebung des Limits wurde mir mitgeteilt, dass dies ohne Gehaltsnachweise (in meinem Fall Jahres BWA des Unternehmens?!) nicht möglich sei. Mitten im Urlaub habe ich also nicht nur ein Kartenlimit für einen Berufseinsteiger aufgedrückt bekommen, sondern soll auch, trotz bester Zahlungshistorie, Dokumente einreichen, die meine Zahlungsfähigkeit belegen. Auf Nachfrage, dass das System willkürlich klinge und ich mir keiner Schuld, außer der Nutzung der Karte (für die ich zahle), bewusst sei, hörte ich nur, dass man es verstehe, es aber eben so sei. Unterm Strich eine absolut kundenunfreundliche Erfahrung mit unterirdischem Kundenservice. Jetzt soll sich der Kunde engagieren, damit er die Karte nutzen darf… soweit kommt es noch. Die Kündigung geht raus, sofern sich Amex nicht um ein Entgegenkommen bemüht (und zwar sehr schnell), wird dies auch nicht revidiert. Hier hält die Marke leider keineswegs, was sie verspricht. Ich weiß nicht welches Klientel mit der Platin-Card angesprochen werden soll. Ein zahlungswilliges und -fähiges offensichtlich nicht.

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  • author
    Diana H
    Sep 21, 2022
    El peor servicio que he podido…

    El peor servicio que he podido tener.... de una supuesta deuda de 10 dólares, pasaron a cobrar 300 dolares... y cuando uno va a colocar la queja lo transfieren a otras líneas y no dan una solución... adicional el gerente es muy grosero... el peor banco... y uno sigue siendo alto... lo único que hace este banco es dañar el crédito a las personas...

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  • author
    Gordon Marsh
    Sep 21, 2022
    A friend tried to collect rewards…

    A friend tried to collect rewards earned money but they said there was no balance. She paid her card off (She should have kept the $540)so she couldn't get her cash back($540)They are hard to deal with when they owe you money.Finally they said it would take 60-90 days to get her rewards money.

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  • author
    Arthur Gegu
    2 days ago
    Client depuis 5 ans vraiment deçu

    Personnel gentil mais service qui ne considère pas le facteur humain.

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  • author
    Milt Dachie
    Sep 21, 2022
    Awful customer service just awful the worst I ever dealt with…

    Awful customer service just awful could not take 5 minutes and write up an exception to send to their credit department for an issue over 31/2 years old still showing on my credit report talk to some nasty lady in the credit dept she ask my I missed two payments in 2018 explain my husband was sick and passed away the following year she ok fine contact customer service have them write up the exception and send it over after two hours and 4 customer service reps they refused this issue was 3 and a half years old so not helpful guess I pay off my bill every month so they get no interest from me did not want to help

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  • author
    Rick Richter
    Sep 20, 2022
    I recently had 20K charged with out my…

    I recently had 20K charged with out my authorization on my amex card by a past employee to a vendor that did not have my approval. Amex researched the scenario and agreed it was fraud and credited by my acct. 3 months later they say they changed their minds and are putting the 20K back on. I asked to speak with a manager they said no, I asked to speak to a divisional and I was told by Shannon she was making no promises. I was a 15 year member with 4 cards I was paying the annual fees on, and I have never had a fraud charge on any of my accounts before. I am totally shocked at the lack of protection they offer their members

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  • author
    Matthew Mitchell
    Sep 20, 2022
    Absolutely taken advantage of by AMEX

    I was recently involved in a situation with AMEX that was so remarkably terrible. I am part of a small company that uses an AMEX card for all of our expenses. We spend a lot through AMEX, and have been loyal clients of theirs for 15+ years. We unfortunately had an employee commit credit card fraud, and used our card to ring up over twenty thousand dollars in expenses over the course of a year. We tried a couple of different avenues to get this resolved, and our only recourse ended up being to ask American Express to help us with some of the charges because it was fraud. To our surprise they did, and quickly, and refunded the majority of the charges to us. We were extremely grateful that AMEX helped us out in this situation. Fast forward to three months later, and they reopen the case, with no warning to us, and have a horribly rude customer service agent call us to tell us they no longer deem this as fraud and will be re-billing this entire amount to us. Now keep in mind this was three months ago, we have since made decisions for our business based on the fact that they covered these charges, and being re-billed this amount is so massively detrimental to us it's hard to put into words. We have been loyal clients of theirs for so long, have made them boat loads of money, and we simply cannot believe that they are taking this action against us. We have no recourse, and no way to turn back time to the decisions we made thinking they were covering these fraudulent charges. Unbelievable, and so incredibly sad and stressful for our small business.

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  • author
    Michael Lagau
    Sep 20, 2022
    I've been with American Express for 16…

    I've been with American Express for 16 years and plan on canceling my personal and business cards. They are the absolute worst in customer service. They are Incompetent and rude, this is probably the worst combination for customer service reps.

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  • author
    Tamy Kogan
    Sep 19, 2022
    I'm totally disappointed and worried…

    I'm totally disappointed and worried about the service, I have been paying for a medical insurance which is impossible to communicate with. The only time I was able to use it in 6 months, I had to call a million times and it took almost a month for the doctor to go to see me. Then, I have never received my money back from the medicine I had to buy. They don't give me any answer but to call to a number that everytime I try, I'm told that doesnt exist. I need a solution, I have been having this problems for months now. I am sick and there is no way I can use the service. My case numbers: (N° de caso AR22060065, Reclamo US 22089447).

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  • author
    Peter Anderson
    Sep 18, 2022
    Appalling customer service

    Appalling customer service. I was blocked from using the card to pay a company despite having more than enough available credit (confirmed by the Amex app). Customer Services were clueless, and even suggested the purchase was declined because it was below my credit maximum! After putting me on hold twice I was advised to call their Credit Department the following day as it wasn’t open on the day I called. The (American) customer service rep assured me the department (a UK number) would be open the following day despite it being a Bank Holiday for the Queen’s funeral and practically everything coming to a standstill. Somehow I think it unlikely it will be open. Very poor.

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  • author
    Cenk Arkin
    Sep 18, 2022
    I am one of the loyal member of…

    I am one of the loyal member of American Express Platinum Credit Card. I am from Turkey and my accounts are in Turkey. Recently I moved London for business purposes and I wanted to have the same Platinum credit card in London. I applied for it on Americanexpress.com web site and been asked to give reference of American Express credit card number from another country if I hold one. I supplied the number of my American Express Platinum (Premier card) number and I have been refused. I can't understand such big premier credit card company why pretending like not a global company.

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  • author
    Adam Spencer
    Sep 17, 2022
    I've had a credit card with Amex for 12…

    I've had a credit card with Amex for 12 months now, never had any issues. My credit limit has been increased 3 times within the year, I've spoke to customer service once on the phone and 3 times on live chat. Found the staff to be knowledgeable and friendly. Live chat is answered instantly and easy to use, it's a shame UK banks don't offer such speed service. Made over £220 cashback within the year and paid no fees. Highly recommended from the UK.

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  • author
    Patrick Pouzou
    Sep 17, 2022
    Client depuis 27 ans d'Amex France sur le départ car très très déçu

    Client depuis 27 ans d'Amex France, je me suis pratiquement fait agresser par une collaboratrice d'American Express France car je refusais de répondre favorablement à sa demande pour des pièces justificatives concernant l'origine des fonds dépensés via ma carte. A priori je n'ai fait que lui dire qu'Amex France n'avait aucune délégation de police ou d'enqueteurs fiscaux et que non je ne répondrai pas favorablement à leur demande et cela ne lui a pas plu. Voilà je vais quitter American Express dans quelques jours après 27 ans sans histoire ni incident de paiement, sans que quiconque chez eux ne daigne me rappeler pour tenter de rattraper le coup. J'ai été aussi de 1996 à 2011 client d'American Express aux Etats-Unis et jamais là-bas on aurait connu un tel niveau de service pourri surtout vis à vis d'un client avec une telle ancienneté. A cette époque et sans même que je le demande, Amex après 1 an avec une carte verte m'avait adressé gratuitement une Amex Gold pour me démontrer comment il valorisait que je sois un bon client. A préciser qu'aux Etas-Unis les cartes Amex sont gratuites..... avec donc un excellent service. En France, cherchons l'erreur, cartes payantes et très chères + paiement pour les membership rewards et service indigne d'une si belle marque. Je vais d'ailleurs après avoir écrit au siège d'American Express France pour relater ma mésaventure, faire de même vers la direction générale d'American Express Etats-Unis où mon expérience désastreuse sera prise très sérieusement et il y aura à n'en pas douter un 2e effet KissCool vers la filiale Gauloise de cette grande maison. Si vous n'êtes pas encore client, je vous conseille de fuir car même la carte verte ne vaut pas les 90 € que ponctionne American Express France tous les ans pour un service devenu totalement nul

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  • author
    Zeida
    Sep 16, 2022
    Horrible

    I have been an Amex customer for 15 years. They have lowered their standards and seem to care little about losing customers. I plan to close all my Amex cards. Fees are ridiculous, the benefits are minimal and their outsourcing is beyond horrible. Either the representatives do not understand English well or they tell you they are resolving an issue only to find out that they never did anything and problems continue. I have had a couple simple disconnect the call when they can’t understand the problem. Sad to see how they have detiriated in their quest to make more money, in cheaper ways.

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  • author
    Tom Thudiyanplackal
    Sep 16, 2022
    Dishonest and unreliable

    American Express is one of the most dishonest banks and feels it is high and mighty enough to be above the law. It is notorious for chargebacks, and even when a merchant issues a refund on false claims made by spoilt Amex customers, the bank lies that they did not receive the money. They even lie to their customer and bill them twice for the same charge. They refuse to comply when asked to present evidence and share the transaction details recorded on their systems.

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  • author
    Michael David
    Sep 16, 2022
    Delta American Express may cheat you on conversion rates

    I have had this card Delta American Express for over 25 years. As I was planning a trip to Europe, I checked with them about the conversion rate from Euros. They told me they use oanda.com with no extra fees. I purchased the over 11,000 euro trip. I was charged by American Express more than any high rate for the conversion. After calling and chatting with four people including a supervisor, I was told I was correct, I was told the vendor must have charged more(they did not) and I was told they have to research it. It may take 6 to 8 weeks. I feel like they are ripping all of us off. I had spent over 24000 so far this year on the card and would have easily spent 40k. I have quit using the card and am now using a Citi American Airlines card. Companies and individuals please beware.

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  • author
    Jon Smith
    Sep 16, 2022
    Avoid because there are better options

    Hi, I would not recommend using amex. Not only do they overcharge you but they will lower your credit limit severely effecting your credit score. Not a good choice with all the other credit options out there. I've been a customer since 2016 and made my payments and incurred significant interest charges all to be discredited. Would not recommend at all with all that is out there.

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  • author
    Lawsuit
    Sep 15, 2022
    The worst credit card company out…

    The worst credit card company out there! No wonder many business do not accept. This company does not work with card owners to manage disputes they automatically side with merchant ! You make me sick American Express! Discover card is the best!!!

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  • author
    Chad Handy
    Sep 15, 2022
    Run away from American Express!!

    0 stars. I applied for this card in June of 2022. I would stay clear and far from American Express. I applied specifically for the Hilton Honors. I used the offer code given to me which was supposed to include 0 percent apr for 12 months. I got my card in, started using it, saw my first statement and noticed they did not honor my 0 percent apr offer! I have excellent 840 range credit score also. They gave me the hilton points and statement credit that was on the offer but not the 0 percent apr which was the main deal for me. I had to go through a two month dispute, even mailing them a hard copy of my promotion as they dont except email or fax and they came up with an excuse that they found they did nothing wrong. When I asked I need an explanation customer service just repeated me some script about subject to change and credit history, etc.. None of that should had applied to me. I gave up fighting and just paid the balance, closed out my card completely. Never applying with American Express again. Never had an issue with other credit card companies.

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  • author
    Alexis
    Sep 15, 2022
    Horrible experience with American Express

    Horrible experience with American Express after being a customer for 24 years. I called about a dispute with Shein for $39.85. I returned some clothes because they didn’t fit me but Shein said they didn’t get the clothes back. I sent the tracking # to Amex to show the merchant had received the merchandise 1 month ago but never gave me the credit. Amex didn’t even check the tracking # I gave them and just closed the dispute in Shein’s favor. I called Amex again and I sent more proof that Shein received the merchandise because it shows in my account they received the clothes. It went to final inspection at Shein on August 10 abut I never received my credit in my account. Yesterday I talked with a supervisor and he was so rude and told me I have a temporary credit and they can’t do anything else. I told him they took 3 months with the last dispute and how much longer do I need to wait? He hung up on me!

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  • author
    Elisabeth Pedersen
    Sep 15, 2022
    Big american fraud

    Big american fraud! Sold for years AE checks, but they are not accepted by AE, nor others! No warning or information. Not possible to get any answers. Do not risk! Stay away!!

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  • author
    Eric Nelson
    Sep 14, 2022
    Never got my 70,000 bonus miles

    Never got my 70,000 bonus miles because of American Express's lack of responsiveness and focus on the fine print you won't read. And it halted us from miles to fly our two foster kids to see family in the Midwest. Backstory: Completed the $2,000 minimum spend and AE found a loophole- Venmo spend where I used the credit card as a credit card. Noticed the miles were not deposited into my Delta account in the 3-month timeframe and called....and called...and called....and called. Got 4 different answers and uncertainty why I didn't get the miles. Finally after two months, after the 5th call, I was told by a manager about the Venmo loophole. I asked how I was expected to understand said rule if 4 of their own employees didn't know the same rule? I was then accused by the manager of wanting them to falsify records. I said no, I just want the miles promised and would even complete the $150 spend left after taking out the Venmo debacle and that I just wanted the miles for our foster kids. Nope. No go. No flexibility. So I canceled the card and am warning all of you out there.

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  • author
    Aster Tzeggai
    Sep 14, 2022
    If I only could give them a zero…

    If I only could give them a zero review. I can’t wait to cancel my card. They suck 👎👎👎👎👎👎👎👎

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  • author
    Dominic Goddard-John
    Sep 12, 2022
    The gold standard of Customer Service

    I have always found Amex customer service nothing short of superb. Can get hold of a representative within minutes and they're always super friendly and efficient. Why can't all customer service departments operate like this?! I've only removed a star as the rewards offered aren't as good as they once were and you're no longer allowed to swap cards and build up your points.

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  • author
    Eric Wilson
    Sep 12, 2022
    Let me start by saying I am an AMEX…

    Let me start by saying I am an AMEX platinum card holder and have been since 2007. AMEX used to be great. The fully supported the business traveler, there were no discount partnerships, and you could always count on them to stand behind you. Their service was impeccable. You used to be able to use the points to book great vacation tickets with both airlines and hotels. This is no longer the case. I booked a car and hotel in France this summer and they, without my knowledge, used Expedia to book both reservations. I detest Expedia. I NEVER use them. Their customers service is terrible and you can never get anyone on the phone. I use AMEX to avoid places like Expedia. So, when i needed to change the reservation due to me getting Covid, neither the hotel or Avis would give me a credit and AMEX did not credit me back the points. I used 400,000 points to book the hotel and car and AMEX did nothing to help me. I escalated it to 3 different managers and all of their excuses were "the hotel has a no cancellation policy." We in the past, AMEX would never have used a hotel like this. The hotel was advertised as a 5 star and it was lucky to be a 2. It was a pit. This never would have happened in the past. AMEX has always booked refundable reservations. That has always been one of the biggest positives to AMEX. As a business traveler, my plans always change. I am currently looking for a new business card to replace my AMEX. Their product has changed and they are no longer the premium card provider they used to be. Go a different direction with your business.

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  • author
    Roman Kim
    Sep 11, 2022
    Best customer service experience so far

    I have owned AMEX platinum card for 4 years and this is so far my best credit card. I am not going to list all the perks that come with that card, I will tell you only one thing that impresses me the most which is their customer service. It’s always easy and fast to reach them whether through mobile app or phone number. They are very professional and courteous and each time I contacted them my issues were solved very quickly. In my opinion other businesses should take their customer service as a role model. I have experienced good customer service from other businesses too but AMEX so far is unbeatable.

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  • author
    Gonzo Goose
    Sep 10, 2022
    Still the best credit card in your wallet.

    i do not understand all the negative reviews. My experience is only good and efficient. If you don't know how to properly manage a high end credit card stay with your bank card.

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  • author
    Pedro J
    Sep 09, 2022
    Unauthorised charge on my card

    Unauthorised charge on my card, Amex sided with the merchant, put the burden of proof on me and accepted plain text from the merchant as evidence. The text didn't contain any evidence and essentially just stated that it was an authorised charge. This has been ongoing for several months now. I give up. I will be paying off my balance and cease further business with this company. I know I won't be missed, but the feeling is mutual. Good riddance.

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  • author
    Victoria Frazier
    Sep 09, 2022
    WORST CUSTOMER SERVICE - Amex is a no

    My boyfriend added my to his amex and they could not express ship this for my upcoming trip. I was calling around for 2 days to get access to my card number for the lounges or a complimentary credit since we spent so much on the card for these benefits. I was helped by a kind woman, Brandy Jackson, but hung up on and transferred around for days. Two supervisors, Diana Morgan and Katrina McBridegrant refused to help in any way by getting my card number or giving a complimentary one day pass. With how much you pay for this card, the service is absolute trash.

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  • author
    Romain Bonnifet
    Sep 09, 2022
    J ai acheté la carte platine entreprise…

    J ai acheté la carte platine entreprise il y a trois semaines. Tous le monde est désolé chez americà express de m’avoir fait passé plus de 2 heures au téléphone mais personne ne propose de solution. Je viens résilier Car un très mauvais service

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  • author
    Mostafa
    Sep 09, 2022
    Raccomando a tutti

    American express raccomando a tutti mi sono trovato sempre bene,se hai bisogno il servizio clienti ti rispondono velocemente sono gentili e cordiali. 👍

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  • author
    Michelle Mcgraw
    Sep 09, 2022
    The American Express Serve card from…

    The American Express Serve card from Jackson Hewitt has no customer service whatsoever. I have funds on that card I cannot access and I also have a direct deposit on that card that I cannot access and I tried to call the number on the back of the card and it's a computer that just takes me in circles I cannot speak to a person to save my life. I called American Express and they transferred me right back to the number on the back of my card horrible customer service no one hasn't answered as to why I can't access my funds or when I will be able to on my experience with American Express is horrible and I wish I could speak to someone there to let them know how unsatisfied I am with their business dealings

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  • author
    Gappy Padungkwan
    Sep 09, 2022
    Useless customer service

    I have filled dispute for charges. They said they would refund me the money within 10-15 days and i waited. After 15 days i had checked and there was still no balance refund. I called and they said nothing was noted and it may take another 24-48 hours.obviously nothing was refunded again ! I called and they said they needed security to check some information. How funny … when i called on the first day about my card being used after being stolen they didn’t question a word but to give me a refund. But after 20 days of waiting and called several times they suddenly want to investigate? How weird . The customer service is appalling, there is no communication in the team whatsoever nothing is noted down about the refund. Staff also has very bad attitude. Never get use amex . They will never return your money.

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  • author
    David C. Miller
    Sep 08, 2022
    Great Benefits, However...

    Great Benefits; but terrible with late fee’s. I have been a customer of American Express for over 40 years. NEVER missed a payment. I transferred funds from my B of A account to cover my. Payment. I had paid in full. $1700. 00. Due to holiday, I was a day late to pay. I was charged $29.00 late fee, and despite my pleas, they still charge me. Will look for travel credit cards to use. AmEx. I'M DONE!

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  • author
    Elvis Martin
    Sep 08, 2022
    Card members beware of American Express

    I wish I could review with honesty and give American Express a zero! I filed a dispute for charges, supplied American Express with supporting information spoke to numerous representatives who only placated me and ultimately ruled in favor of the merchant. Eventhough I provided proof that I attempted to canceled the hotel reservation within the cancelation window. AMEX is not an advocate for card members they will side with the merchant regardless! Never again AMEX!

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  • author
    Indy
    Sep 08, 2022
    The spiral continues

    I have a credit balance owing to me on a closed account - will they refund it, nope! If you’re really that hard up please send the money to charity or put it towards a Christmas party - your staff certainly deserve one with the awful position you put them in.

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  • author
    Thomas
    Sep 08, 2022
    Assurance voyage inefficace

    L’assurance voyage liée à la carte Amex Gold Air France ne sert à rien ! C’est juste une illusion. 165€ de cotisation annuelle totalement inutile. AXA le prestataire qui étudie les demandes de remboursement refuse systématiquement. Une véritable arnaque.

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  • author
    Stephanie Rapkin
    Sep 07, 2022
    I paid the bill in full twice

    I paid the bill in full (5,200) and then forgot I paid. So I transferred money directly from the checking account. I then realized that there was a check going thru and it was making my checking show a negative balance. I call AMEX and begged them not to put the check thru again as they were paid in full directly. The said ok they wouldn't. Guess what they did. I have tons of bounced checks and fees. They will do nothing.

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  • author
    Genevieve
    Sep 07, 2022
    Useless card

    I had this American Express card for 13 years. The only reason why I had it was that it came along when I opened a Macy’s account. For the longest time I had a $6000 credit limit. But last week I could not make $1000 purchase with the card. I come to find out that my limit was lowered down to $600. I had not used the card for years and I guess they just decided to lower it since I wasn’t using the card. I would’ve used this card more but unfortunately hardly anybody takes it. So it stay locked up and was never in my wallet for use. The one time that I did need to use it in an emergency back in 2015 they would not allow the transaction to go through. I had had my wallet stolen and this was the only access to money I had at the time. I couldn’t even buy groceries at Whole Foods. I stood there looking like an idiot in the store calling them asking them why they didn’t let it go through. They explained that it seemed Like suspicious activity. I don’t think buying $40 worth of groceries at Whole Foods is suspicious. Actually I’m glad all this happened because it was a useless card in the first place and nothing but a burden that was left open for scammers to take over my credit anyways. This is the second credit card I canceled this year because just as I said the cards don’t actually help you out and an emergency or any situation you may need it in which is why I have a cards in the first place. I got these cards to make my life easier but all they did was cause me more problems and stress so Bye bye!

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  • author
    Netherlands!
    Sep 07, 2022
    Aanvraag afhandeling 2x amex gold card…

    Aanvraag afhandeling 2x amex gold card aangevraagd, via PostNL niet bezorgd 2x namelijk, wel te zien in de PostNL app maar geen bezorging op mijn adres. Al bijna 2 maanden bezig met mijn aanvraag nu

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  • author
    Dean
    Sep 07, 2022
    Nightmare Credit Department

    Nightmare Credit Department. As a business based in central London it's the norm to make large amount transactions American Express claim to think their business card doesn't have a limit of spend I can assure you their description and service provided do not meet, as the spending limit keeps changing and most of the time it has to be approved though the credit team via a phone call. And now I closed my account what a shame!!

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  • author
    PMonte
    Sep 06, 2022
    No longer customer loyal

    I’ve been an Amex customer for 17 years! They always had the best customer service until of late. I put in a dispute for fraudulent behavior and they sided with the vendor. I then had to take the vendor to court. I provided these court documents to Amex letting them know of the upcoming trial and they still sided with the vendor. It’s outrageous that they now allow fraudulent behavior just to expand their vendor base. I can’t wait for them to lose all of their loyal customers. I will be going with Chase Sapphire moving forward.

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  • author
    Lin
    Sep 03, 2022
    was denied bonus miles on new card…

    was denied bonus miles on new card application. (cancelled the hard pull). only have one amex card from several years ago.

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  • author
    Peter Johnson
    Sep 03, 2022
    Platinum Card suspended by Amex email…

    Platinum Card suspended by Amex email sent to me which inexplicably disclosed many names of other unrelated customers whose cards were suspended at the same time. Phoned and left hanging to be told eventually reason was I had not uploaded new ID - after 30+ years’ membership. No apology for data breaches. Bye-Bye Kiss American Bye.

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  • author
    John Gray
    Sep 03, 2022
    Card expired July 31 2022

    Card expired July 31 2022, my fault. Called August 2nd for new card and new address, was told for $20 I could get FedEx delivery. Took $20 from account but never recieved it. Called Aug 6th was told it would come USPS. Called on the 8th just to check and it was never even processed. They said it needed to be validated and then said it was validated then. Called the 11th said it was processed and would before 16th. On 16th, no card. Called 17th said I needed to be documented for change of address. Sent drivers licences with new address. Get email that says licence received and valid, wait 24 hrs then 7 t0 10 days from the 19th. Still no card. Called corporate number got just switchboard operator who couldn't help but all calls I made were to India and Phillippines who can't understand anything so she would connect me to someone in USA. Waited 5 minutes and get Phillipines again. They tell me they can't switch me to USA. Call corporate again she tells me will guarantee rep from USA. Phillipines again. Gave me corporate email adress. I explained all this. Was told they would respond in 3 to 4 days. Get a call 8 days later from someone said they were from AMEX and was American. I was ecstatic, only to find it was a scam call. My card has been deactivated since Aug 01. It's September 2nd. I' m 74 yrs old I get my Social Security deposited directly. My money has been locked for a month. Late with bill's and rent. American Express locks your money up than refuses to talk or comunicate with you. Have been hung up on 3 times. Would a lawyer help ,State Attorney General? Where do I go. They lock your money up than refuse to talk. Never return emails. They have lied to me 7 times. It's not bad customer service it's fraud. Class action law suit anyone? My name is John Gray.

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  • author
    Lisa
    Sep 01, 2022
    Beware of American Express

    Applied for AE Hilton Honors card for my business because they offered extra points for shipping purchases. My business does lots of shipping. After completely applying I seen they gave me a $3000 credit limit. That was not acceptable so I called and they said to wait till I got my cards and call back. I did as instructed, I thought something was up when I requested 3 cards, one for my husband one for myself and one for my office manager but received 6 cards. When I called they told me 5 more cards were in the way. I asked why, and they tried to say I requested them. This is absolutely not true and when I asked about my credit limit they said I needed to wait till I had the card 30 days for them to review the file for an increase in spending limit. I told them that made no sense to me if they only gave me $3000 when I applied how would 30 days make a difference in their decision. I was assured that it would be fine and to call back. I placed everything in my safe and never used the card for anything. Waiting on the 5 additional cards they said had shipped out but were canceled so I could destroy them. Suddenly get a notice of a charge to the account that was pending. I called them and told them that I didn’t do this. They told me it was in pending status and to check with the other card holders and to watch to see if it actually posted to my account, I was not happy about their response. Two days latter a very large charge posted to my account from a different vendor while the first charge is still pending status. I called and they gave me some speech about how there was no worries because I was completely protected against fraud and they would cancel the card and send me another. Wait….the charge went to the card that I hadn’t canceled out of the 11 cards that you created for my account and now we have to cancel another card due to fraud for an account that is not 30 days old. How did this happen? How did someone get this card information? I hadn’t even removed it from the paper it was attached to when it was mailed to me. Not acceptable! I have been in business for 20 years and have one business credit card with my local bank that I pay off every month and have never had any problems. Suddenly after opening up this account I’m getting bombarded with spam emails, spam calls and I definitely feel they are related. There is something very wrong and someone needs to look at American Express closer to see what is happening. I spent hours researching cards before applying and now I’ve been forced to close this account. This concerns me as I don’t know how that will affect my credit report. I know that you don’t go card hopping and applying for multiple accounts as it has a high impact on your score. American Express has failed me and my business. Beware before you apply for any card with this company!

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  • author
    Riccardo
    Aug 31, 2022
    Amex platinum, polizza inutile

    Alla prima occasione in cui ho avuto bisogno del servizio "polizza viaggi amex Platinum", venduta da Amex nel canone mensile di 60 euro della carta, ho purtroppo avuto (e sto ancora avendo) una pessima esperienza. Non risponde nessuno, nemmeno ai reclami, non erogano l'indennizzo dovuto di 400 euro. Pessimi davvero, non me l'aspettavo, chissà se pagano mai qualcosa con queste polizze

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  • author
    Muna LAM
    Aug 30, 2022
    Don't get a American express unless you…

    Don't get a American express unless you can pay it off straight away! The interest rate is high, you can't do a balance transfer and their customer service is moronic. They can't do a simple task and need extra help which means you're on the phone for ages🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

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  • author
    Abraham
    Aug 30, 2022
    Terrible experiences with Amex

    Terrible experiences with Amex. They removed a balance on my account and have been telling me for months that they sent out a check, an imaginary check because I never received it and have spent hours dealing with customer support on this matter and have been continuously lied to in regards to this. They never sent out the check and this is trying over and over again. Its beyond ridiculous.

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  • author
    Amar
    Aug 30, 2022
    Assurance AF GOLD - dossier FR1-22-016937 - remboursement en attente depuis plus de deux mois !!

    Demande de remboursement dans le cadre de l'assurance Dommage collision véhicule compris dans la carte AMEX AF GOLD. Toujours pas de remboursement de la part d'AXA après plus de 2 mois. Les documents ont du être renvoyés à AXA à plusieurs reprises car les conseillés d'AXA "ne retrouvaient pas" les emails envoyés. Service client qui ne nous tient pas vraiment de l'avancée du dossier si on ne prend pas l'initiative de les appeler. Faut-il ouvrir une réclamation à l'ACPR ou une requête judiciaire pour avoir son remboursement ?

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  • author
    Matteo
    Aug 29, 2022
    Esperienza estremamente positiva

    Premetto che all'inizio fossi un pò diffidente a dover spendere un canone di Euro 720,00 all'anno per una carta di credito, ma posso dire che alla fine ne è valsa la pena. Difatti, sono cliente Amex platino personale e sto avendo un'esperienza molto positiva a 360°. La carta è arrivata prima del tempo pronosticato con consegna in n. 1 giorno dalla mail che confermava la spedizione. Inoltre, un'altra ottima sorpresa della carta è stata l'estrema disponibilità e competenza del servizio clienti, sempre pronto e disponibile ad aiutare il cliente. Inoltre, nel mio caso è stata molto positiva anche l'esperienza con il massimale, in quanto Amex fissa un massimale specifico per la posizione di ciascuno e mi aspettavo un massimale "di prova" basso per i primi mesi, invece, lo stesso è sostanzialmente in linea con le altre carte di credito che ho. Se si volesse trovare l'unico "neo" (per esperienza personale) delle carte Amex è che non hanno lo stesso livello di accettazione rispetto a Visa e Mastercard, le quali sono accettate da più soggetti.

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  • author
    Erik - Belgium
    Aug 29, 2022
    Bijna opzegd en nu tevreden over ....

    Had in het begin veel problemen bij de aansluiting voor de Platinum en set gezinskaarten. Alles wat kon mislopen, liep ook mis (kaarten verloren per post, geen priority pass nr, ....). Heeft veel tijd aan telefoontjes en chats gevraagd mr was net voor onze jaarlijkse vakantie allemaal in orde. Had het bijna opgezegd daarom geen perfekte score omdat dit toch veel opvolging bij de klant legt. Ondertussen 3 maand verder en al redelijk wat gebruikt (waar het kan). Als ik de negatieve reviews lees, kan ik me wel wat bij voorstellen. Het is geen doorsnee kaart, je moet als klant wel wat kennis van zaken hebben en met meer remote en complexere klantendienst kunnen omgaan. Ivm aanvraagafhandeling, opvolging, events, handelaars en toegankelijkheid, hier kan AMEX zeker nog heel wat verbeteren. Telefonisch klantensysteem is niet meest gebruiksvriendelijk, onnodig complex. Tip: ik gebruik de nummers voor de menu selectie ipv in te spreken. Gaat sneller en werkt altijd. Meeste personen klantendienst zijn zeer vriendelijk, behulpzaam en zoeken al/dan niet met collega nr een oplossing/antwoord. Ook kredietlimiet verhoging kan vrij snel mr moet wel nodige bewijzen leveren van historiek van inkomsten en uitgaven. Standaard wordt je kredietlimiet beperkt opengesteld in functie van je gebruikspatroon. Chat is enkel Engelstalig mr wel 24/24. Deze had ik gecontacteerd op een zondagavond voor een dubbele transactie die een restaurant me leek aan te rekenen. Werd snel en correct beantwoord via chat. App op smartphone is basic mr bon het werkt. Bij mastercard heb ik enkel m'n bankadviseur die ik per mail of telefoon kan bereiken tijdens de openingsuren of algemene dienst tot 22h in de week. Moet bovendien al enkele miljoenen op je bankrekening hebben vooraleer de bank zelfs gelijke voordelen geeft voor de mastercard (en dan nog is het minder ....). Momenteel geniet ik nog met de Platinum AMEXkaart van een voordelig kostentarief maar is wel een dure kaart (zou goedkoper mogen). Je moet dus echt gebruikmaken van de bijkomende voordelen die eraan gelinkt zijn (perks). Ik kan helaas niet zonder mastercard (=extra kost) omdat niet alle shops/horeca etc AMEX aanbieden ofwel het zelfs weigeren (ook al is het beschikbaar) en je liever met de andere kaarten laten betalen. Ik probeer er wat op te letten waar ik AMEX kan gebruiken. Dit omdat je er ook punten mee spaart voor bijkomende voordelen al is dit zeer beperkt in Europa tov US. Mijn mastecard geeft niks extra op dat gebied.

    ...

  • author
    Name, publicly visible
    Aug 28, 2022
    Don’t rely on being able to pay for anything

    I switched to American Express because I wanted to use Apple Pay. I had used the card for a couple of weeks when it was declined at a grocery store. American Express subsequently explained that I didn’t have enough purchasing power. I’m in the top 10% net-worth bracket of my country, but American Express doesn’t think I can afford to buy food.

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  • author
    MARCEL FERRER
    Aug 26, 2022
    J'ai pris l'amex pour pouvoir bien…

    J'ai pris l'amex pour pouvoir bien voyager. Mon premier voyage, Aeroport CDG...aucun salon...rien..5 heures à attendre car aucuns salon, dont air France n'accepte l'amex platinium, un vrai scandale pour une carte qui prétend être là meilleur... meilleur des cartes pour voyageur..ne la prenez pas...préféré Boursorama qui ne promets rien, mais reste honnête.

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  • author
    Nav
    Aug 25, 2022
    Poor Customer Service

    American Express Service has gone down. Hero to Zero in a very short space of time. There used to be times when AMEX was so good at their customer service one of their core values but unfortunately that is a thing of the past. I have 2 accounts with AMEX and it cancelled one of my accounts without even informing me. I realised 2 months later when I tried to use the card. I complained almost 3 weeks ago and have called 3 times. Every time they say they will look into it and will call me but no one does. It is so frustrating that no one gives monkeys about customers at AMEX anymore.

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  • author
    Olivier Morvan
    Aug 24, 2022
    Nul sur l'assistance. Promesse non tenue

    Nul. Leur promesse de disponibilité téléphonique est un leurre.

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  • author
    Ruth
    Aug 23, 2022
    I filed a claim with AmEx in Nov

    I filed a claim with AmEx in Nov. 2021. I called countless times, spoke to numerous account managers, sent emails, & even 3 certified letters to Account Executive Managers over these many months. I’ve gotten many “I’ll take care of this for you”s, to no avail. NOT 1 person has EVER followed up with me in all this time. This, despite being a Platinum Card Member. My final effort was filing a small claims court lawsuit this past May. Though I was told the case wouldn’t be heard for another 2 years due to Covid, I thought AmEx would at least have the common courtesy to contact me after they were served. Once again, NOT A WORD!!!! Their service has become untenable. My only recourse now is to publicize this outrageous behavior all over social media & hope someone notices.

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  • author
    SEGECO SAS
    Aug 23, 2022
    Client depuis 1975 j'étais fidèle.

    Client depuis 1975 j'étais fidèle. Le Service Client Platinum n'a plus aucun respect pour les clients au point de mentir à chaque échange. Nous regrettons tous le départ de Monsieur Tredjeu qui, lui, respectait les clients et obtenait de son équipe un parfait professionnalisme, mieux encore : le simple respect du client.

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  • author
    Michael Hantman
    Aug 23, 2022
    Amex Platinum member with over 300k…

    Amex Platinum member with over 300k annual spend. Never had a problem until Amex has allowed a fraudulent transaction to occur and refused to escalate past customer service chat function. A transaction I did not consent to of £4500 between a company I used to work for and one of their suppliers. Amex just sent the same holding response over and over again. I have contacted the police and as soon as the matter is resolved I will cancel my account. Not worth the stress and uncertainty that this will happen again.

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  • author
    Paolo
    Aug 23, 2022
    Cliente Amex dal 2013

    Cliente Amex dal 2013, da carta verde passato ad oro business da 3 anni, sempre super cortesi ogni volta che li ho chiamati, mai avuti problemi , chi scrive recensioni negative non ha capito le politiche di Amex, sei nuovo cliente? All’inizio ti devi meritare la fiducia , il plafond si adatta di volta in volta , basta guardare nell’applicazione e vedere il Plafond che hai a disposizione in euro ogni mese ! E se si deve spendere di più basta chiamarli ! Se sei stato sempre corretto e rispetti lo loro politiche è’ impossibile avere problemi. Il mio prossimo viaggio li chiamerò X farmi aumentare il plafond e loro lo faranno senza problemi. Sono il top in tutto. X i prodotti che offrono , sconti , punti ecc Basta saperla usare ed avere sempre i money nel conto x l’addebito ! Il consiglio che posso dare a chi legge questa recensione e’ questa. Riguardo l’accettazione x i negozi ora c’è un offerta a zero commissioni fino a 3000 euro , Superando quella cifra mi sembra l’1% cmq più basso delle altre carte. Io nella mia attività l’ho messo. Dovrebbero far sapere le loro offerte ai negozi xche credono ancora che le commissioni sono alte .

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  • author
    Gerald Wenschitz
    Aug 22, 2022
    50 euros a month for lousy customer…

    50 euros a month for lousy customer service. american express is a disgraceful company.

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  • author
    Mahmmoud Tawfik
    Aug 22, 2022
    Very unprofessional

    Very unprofessional. called more than 12 times to get the joining and bonus XP points and nothing happens for more than 4 months. that was the reason I applied for the card in the first place. the card itself cannot be used in most of the restaurants and retails in NL. thanks for nothing! do not recommend

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  • author
    Giuseppe Massimino
    Aug 22, 2022
    Servizi pessimo e scadente.

    Servizi pessimo e scadente, non rispettano i clienti, bloccano la carta senza un valido motivo, a chiusura mese contabile non ti rigenerano la carta sino al pagamento è una vera e propria schifezza di servizio, ho già preso provvedimenti per chiudere con Amex.

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  • author
    Kevin Rogers
    Aug 22, 2022
    Some of the worst customer service I've…

    Some of the worst customer service I've ever seen points does not convert and their answer is to cancel the Trip and rebook not to smart rewards are not worth the headache I will be looking for another company to do business with

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  • author
    Alex
    Aug 21, 2022
    The worst card that exists.

    I have never stopped paying any card, regularly use all the ones I have and the worst is that of American Express, I made a purchase of 5 dollars and they lowered the quota drastically they are always threatening that your next purchase will decline. In short I will not use it.

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  • author
    Roland Eckert
    Aug 21, 2022
    Einfach ein schlechter Kundenservice

    McAfee hat unberechtigt eine Abbuchung getätigt (wie immer mal wieder alle paar Jahre). So weit, so gut. Nicht das Problem von Amex. Dann fing es an. Vorgang telefonisch reklamiert, nach wenigen Tagen nachgefragt, Vorgang war nicht angelegt. Neuer Versuch .. dann hat es geklappt. Dann kann das Feedback, der Betrag würde beim nächsten Zahlungslauf auf Kulanz zurückbegucht (auch aufgrund der Vorgeschichte). Heute wieder angerufen mit der kurzen Amnerkung, Vorgang wäre in Prüfung. Dann wurde von Frau W. einfach gelegt. Wenn das Kundenservice ist ...

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  • author
    Andrea Frisina
    Aug 20, 2022
    Truffa

    Alla firma del contratto mi è stato riferito che fare l'american Express Gold non costava nulla per un anno, dopodiché viene addebitato un costo X DOPO un anno dall'attivazione. Ho invece ricevuto un addebito di €80 come "Quota associativa esente da IVA". Sono stato quindi truffato verbalmente, diffidate.

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  • author
    Vincenzo D'Onofrio
    Aug 20, 2022
    Non c'è nessun motivo per prendere una…

    Non c'è nessun motivo per prendere una Carta American Express. Costi altissimi, nessuno la accetta. Ho avuto la carta Amex dell'Alitalia e poi la Gold. Inutili tutte e due.

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  • author
    T
    Aug 19, 2022
    Rapid decline in service

    Rapid decline in service - but why? Not sure why but the service has gone down hill in a short space of time. The brand appears to moving away from its core values. I have always said that amex has been the best but recently it’s really poor. I have been having technical issues with the app but always paid my bill on time since 2014. This month it was a few mins past the deadline - because the app was timing out. They charged be interest and send me a letter to say you are a risk so putting your interest rate up. Lol.

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  • author
    db
    Aug 19, 2022
    Absolut unfähiger Kundenservice

    Absolut unfähiger Kundenservice, der nicht in der Lage ist, den aktuellen Saldo herauszufinden und keine Kenntnisse über die Corporate Card hat.

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  • author
    Thomas CONANIER
    Aug 19, 2022
    Client depuis quelques jours

    Client depuis quelques jours, carte reçu en deux jours. A réception de la carte, j'ai effectué l'activation j'ai donc voulu effectuer un premier paiement celui-ci refusé pour un achat de 31 euros !! Je téléphone au service client qui me balade de service en service c'est juste inadmissible au bout du 4eme appels la personne me dit qu'il faut que je contact ma banque pour qu'il prenne contact avec eux pour vérifier des informations mais c'est quoi cette institution financière c'est à vous de vérifier la solvabilité de vos clients avant accord de la carte !!! Pas après surtout quelques jours après ! Du coup je vais rester avec ma VISA. Bye AMEX et surtout ne changé rien comme ça vos services vont s'arrêter en France car vous servez à pas grand chose.

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  • author
    Lilly
    Aug 18, 2022
    The AMEX App is Absolutely Awful

    The app is so unclear and unhelpful; have they never done any user testing? I can never seem to find the due date for payments, transations take absolutely ages to show up, only your last few transations show up, the sign in page is really annoying (face recognition but you have to click on the password first weirdly), and nothing is clear at all. Their live chat is slow too - takes about 5-10 mins per message response so you can imagine how long a convo is going to take. I am getting rid and moving over to a NatWest CC instead asap. I thought AMEX would be the best due to their reputation but I have been mistaken!

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  • author
    Davide Macrelli
    Aug 18, 2022
    interessante

    pro: - puoi cambiare il PIN - è una droga (nel senso vero del termine!) - - almeno finchè non ti abbassano il plafond - la puoi legare a paypal e pagare a rate - assistenza molto intelligente e sul pezzo! - tutto gratis il 1 anno, anche l'invio contro: - lo accettano 2 attività su 10 - ha il PIN e non la firma - il plafond te lo possono bloccare ad minki*m - l'addebito è a fine mese (io ricevo lo stipendio il 10. sarebbe meglio il 15!) - non puoi passare da carta business a personale (spreco di tempo e materiale)

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  • author
    Steven Brown
    Aug 18, 2022
    Declined card

    They Declined my card saying they have strict rules while I have a good income and not one Loan atm! Thanks AMEX....

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