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American Express Review

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Reviews 1,669

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Alex McOmie
Alex Mcomie
May. 03, 20214 min read

American Express summary

American Express® is one of the largest credit card companies in the United States, offering excellent rewards and customer service for years. American Express' online banking options are a great choice for anyone interested in an online-only banking experience. With a cutting-edge design, relatively high-interest rates, and no-fee banking, American Express has everything most users are looking for in an online banking platform.

Pros

  • No minimum deposits
  • FDIC coverage
  • Fee-free

Cons

  • No checking accounts
  • No check scanning

American Express American Express Visit Site

Advantages Over Regular Bank

Online banking offers a higher level of convenience compared to traditional banking options. These are just a few of the main reasons to consider switching to online banking through American Express:

High-Yield Savings Accounts and CDs

If you’re looking for a way to save money through online banking, American Express offers two options. Their high-yield savings account currently comes with a 0.40% APY—probably not enough to make you rich, but still a competitive rate during the COVID-19 pandemic.

Similarly, American Express certificates of deposit (CDs) are available with up to 0.55% APY, just below their high-yield savings accounts rate. Interest rates get higher when you commit to more extended periods—the APY is only 0.10% for six-month CDs compared to 0.55% for 60 months. Again, these are far above the national average rates currently available.

With a CD, you’ll lock in your rate in advance—you won’t have to worry about losing returns during bear markets, but you also won’t get a rate increase if the market picks up. Keep in mind that you’ll lose some of your accumulated interest if you withdraw your cash before the maturity date.

Online Access

With American Express online banking, you’ll be able to connect your accounts with as many as three external accounts. The online banking portal also supports recurring deposits, making it easy to move money between your accounts automatically.

You can access your accounts 24/7 in online banking to make transfers, check balances, get help, and more. American Express also allows customers to mail physical checks for deposit into their accounts along with automatic deposits.

What’s Missing?

With that being said, online banking can’t offer everything that’s available in a conventional bank. For example, American Express bank accounts are managed separately from credit cards, so you’ll need to create two online accounts in order to manage them. Most traditional banks provide more accessible ways to integrate your bank account with a credit card from the same institution.

Similarly, American Express offers savings accounts but no checking accounts, so you’ll need to move your money to another account before withdrawing. This process only takes one to three business days, but it still requires some advance planning.

Interest Rates and Fees

Fees are another area in which most conventional banks lag behind their online counterparts. Traditional banks typically charge a wide range of fees, including statement fees, ATM fees, minimum balance fees, overdraft fees, and more.

On the other hand, American Express online banking doesn’t charge any fees at all. You won’t have to keep a minimum balance or meet any additional requirements. In other words, you’ll save money without having to go to any extra effort.

Favorable interest rates are one of the main reasons to switch to online banking. As described earlier, American Express provides top rates on both certificates of deposit and high-yield savings accounts.

High-yield savings accounts pay out 0.40% in APY, and there aren’t any fees or penalties for withdrawals. That said, savings accounts are legally limited to a maximum of six withdrawals per month.

Certificates of deposit range from 0.10% for six months to 0.55% for 60 months. While the raw numbers are lower than the yields for high-yield savings accounts, you could still come out ahead if rates fall even further later on.

The downside to CDs is that you’ll be charged a substantial penalty for early withdrawals. The early withdrawal penalty for CDs with terms of less than 12 months is 90 days of interest. That jumps to 270 days for periods of 12-36 months, 365 days for 48 months, and 540 days for 60 months.

Customer Service

Customer service can be unpredictable at both traditional and online banks. Fortunately, American Express offers consistently excellent customer support, making it easy to resolve issues quickly.

If you run into any problems with your account, check the Help Center for detailed answers to various frequently asked questions. From there, you can call American Express, complete an online form, and wait for them to return your call, or chat with an agent. Customer support is one of the main advantages of American Express over many conventional banks.

Mobile Apps

American Express provides a mobile app for its online banking interface.

Security

Like other major credit card providers, American Express uses powerful security practices to keep your information safe. From suspicious activity alerts to account monitoring, purchase confirmation, automatic session timeouts, and unique personal security keys, you’ll have everything you need to protect your money and personal data.

Conclusion

While American Express comes with a few notable drawbacks relative to some other online banks, it offers advanced technology, favorable terms, and unique services. Unless you need a checking account, or digital check scanning, the competitive interest rates, customer support options, and impressive security measures make it a great all-around choice for saving money online.

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This review was prepared by Top10.com in their personal capacity. The opinions expressed in this product review are the author’s/company’s own and do not reflect the view of American Express National Bank nor American Express Company.

Alex McOmie
Written byAlex Mcomie

Alex serves as the Managing Editor for Money Done Right and covers personal finance topics for Eleven Writing. He’s particularly interested in the way seemingly small adjustments can transform a person’s financial outlook. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Sonja W
    Jul 22, 2021
    Top zufrieden!!

    Top zufrieden!!

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  • author
    steve
    2 days ago
    American Express annual travel credit…

    American Express annual travel credit 2020 was quietly expired without notice. They very well know Melbourne had 2 lockdowns from March to October and almost impossible to plan travelling even interstate in 2020.American Express quietly expired my travel credit, no emails or even text send out to customers to warn anyone. They refused even to reconsider .I have no choice but end this 20 over years relationship and join another credit card company.

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  • author
    Rick Davis
    2 days ago
    I booked an all inclusive hotel with…

    I booked an all inclusive hotel with AMEX travel. I called back to move my dates to fit my flight. When AMEX moved the data over they left off my daughter and changed the room to a king without a sofa bed. I discovered the error 24 hours before my trip. Called AMEX and their solution was to cancel my existing reservation and charge me an extra $800 because the new reservation was short notice. Pathetic. If it were my error, I expect to pay the difference. I waited an hour for them to call me back and another two hours on the phone with no good result. While I love AMEX, I do not love the way I was handled regarding this issue. Rick D.

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  • author
    Li Shurong
    2 days ago
    I was invited in a letter in the…

    I was invited in a letter in the mailbox to apply for a Hilton and Blue Cash Everyday Card. No one informed me that I am not eligible for the welcome offer. After spent enough on the card opening within 3 months, Amex told me that there was no offer applied to the cards. Internal complaints were filed and it took them a month to investigate and eventually told me that it was 100% my fault. Bad company and terrible customer services. Would go to Chase or Citi for credit cards, not with Amex anymore.

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  • author
    Farense
    Jul 24, 2021
    70 % d'avis négatifs

    A mon avis American Express n'a rien à cirer des avis négatifs de ses clients. D'ailleurs, est-ce qu'ils prennent la peine d'y répondre. Je suis là pour objecter de leur "perpétuelle" enquête pour obtenir le montant du revenu de leurs clients, soit disant à cause d'une directive du code monétaire. C'est totalement faux et ils insistent. Maintenant ils menacent "votre carte va être suspendue" alors qu'ils le fassent. Le problème est devenu viral à telle enseigne qu'ils ont mis sur pied une "hot-line" pour répondre aux clients mécontents. Et les appels affluent. Je plains ceux qui sont là pour répondre et se faire engueuler, mais ça vaut peut-être mieux que d'être inscrit à Pôle Emploi. Amercian Express, c'est dépassé, on n'est plus à l'époque des diligences et du Poney Express!

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  • author
    Moschetti
    Jul 24, 2021
    American express air france klm…

    American express air france klm platinium …nul,lamentable,escroc et j’en passe ! Membre depuis 2004, sans aucun problème de rejet de paiement,ces gens se permettent d’arrêter votre compte du jour au lendemain sans donner aucune explication et plus vous facturent des frais !!!

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  • author
    Eric Stone
    Jul 24, 2021
    Very hard to get any support

    Very hard to get any support

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  • author
    Patrycja Nowakowska
    Jul 23, 2021
    American Express terrible customer service

    American Express just blocked my credit card, as their team made a mistake in scanning my documents. They cannot unblock it, do not know when they can send the team to scan the documents again, and everyone in the customer service is helpless and cannot do anything about it. Thank you for making my life difficult. Unfortunately not living up to the promise: "We strive to be essential to our customers by delivering exceptional products, services and experiences every day – and promise to have their backs in everything we do."

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  • author
    PR
    Jul 19, 2021
    After leaving an abusive marriage

    After leaving an abusive marriage, and trying to turn my life around, then Covid hits. Without notice, AmEx took my BUSINESS account and reported it to my PERSONAL account as a collection. The last payment was in May, and they did this in July. We have had an excellent relationship with AmEx and always paid on time. Covid severely affected our business income, losing 75% of our business. My personal credit was great. They now have caused a more than 100 point drop on my report. After contacting the AmEx credit bureau department, as well as the 3rd party collection agency (all day being sent back and forth with no help or answers, except that, "you need to pay the balance off") the 3rd party rep actually had to audacity to say to me, "once you pay this debt you can re-establish a relationship with AmEx as you are a valued customer". Is he insane? After they've done this to me, AND ruined my credit score? DO NOT even think about signing up with this company. I wish I never had.

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  • author
    Octavian Dicusar
    Jul 19, 2021
    Vorrei dare 0

    Vorrei dare 0, ma non si può. La carta inviata all'indirizzo sbagliato...tornata al mittente. Hanno iniziato col piede sbagliato...domani invierò nla disdetta

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  • author
    Martin Li
    Jul 19, 2021
    A waste of time and money

    I used American Express for a long time, first through its green, then gold then platinum cards. The service was for a long time excellent, but then inexplicably started to get worse and worse and worse. At the same time as its service dropped off a cliff, the services provided were also progressively reduced while the fees remained high. An increasing number of disputes with Amex member services finally forced me to realise this was a company I could no longer trust. Amex used to run a scheme called "Shop Small", which encouraged members to spend money at local establishments. Comically, on more than one occasion, I was duped to do so, only to be told when I tried to pay that the organisations didn't accept Amex!

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  • author
    Alex Ramos
    Jul 19, 2021
    American Express is a fraudulent…

    American Express is a fraudulent company because I had been with them for more than 12 years and I started with an APR of about 14% and they raised it to about 21% without me having late payments because I have always been good customer and I have never paid late and I have not had problems but my credit score is 780 , I honestly don't recommend this company it's a fraud and a deception where without permission the interest rises

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  • author
    Alexander
    Jul 18, 2021
    AMEX – extrem schlecht geführtes Unternehmen

    Seit Monaten nimmt es American Express trotz zahlreicher Beschwerden hin, dass seinen Kunden bei Bezahlversuchen via Paypal mit der nachweislich falschen Begründung, die Karte könne von der Bank nicht bestätigt werden, die Akzeptanz der Amex-Karte verweigert wird. Aufforderungen, in dieser Angelegenheit gegenüber Paypal die Interessen seiner Kunden (und die eigenen) energischer zu vertreten wiegelt das Kreditkarten-Unternehmen regelmäßig ab mit dem Hinweis, das sei nicht seine Sache, außerdem gäbe es nur wenig Fälle und so etwas käme eben vor: Dass diese Pannen bei manchen Nutzern inzwischen die Hälfte aller Bezahlvorgänge mit Amex via Paypal betreffen, scheint die Geschäftsleitung ebenso wenig zu interessieren wie die Tatsache, dass Kunden wegen solchen Versagens ihre Amex-Karte bereits nicht mehr einsetzen: Ein ganz offenkundig extrem schlecht geführtes Unternehmen!

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  • author
    Joe Shojayi
    Jul 15, 2021
    AMEX deactivated my cards and there's not even a balance

    I have an American Express Platinum and American Express Hilton Aspire. They shut off both cards for no reason. I don't even have a balance on one of them. Another thing that I don't like about AMEX is that they passed me around to so many people. Enough to make a person dizzy. ALL of them want to verify who you are. It's like, didn't the last person tell you? How many people at AMEX do I have to tell my 4 digit pin to? Why can't there internal system keep track of who's who with notes about the account? Why does it take 48 hours to get a call back? If it wasn't for being a Hilton member, I wouldn't even use these AMEX cards.

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  • author
    SL
    Jul 15, 2021
    Schandalig behandeld door Amex

    Schandalig behandeld door Amex. Heb 6 weken geleden alle andere ID info geüpload en toch is mijn kaart geblokkeerd want iets is niet goed leesbaar. Ipv excuses is het mijn schuld. Bizar!

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  • author
    Mark Weiss
    Jul 14, 2021
    Horrible…

    Horrible ,irresponsible,unaccommidateing ,uneducated ,rude,

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  • author
    SAM
    Jul 14, 2021
    Decreasing your limit without even telling you

    If you have money they give you credit limit if not no i don't see the point

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  • author
    Kai
    Jul 14, 2021
    Maandenlang met de service desk aan de…

    Maandenlang met de service desk aan de lijn gezet omdat ik data moest uploaden om te kunnen bewijzen dat ik daadwerkelijk was wie ik ben. Maandenlang lukte het niet tot het moment waarop mijn kaart werd geblokkeerd en al mijn betalingen die normaal via automatisch incasso verliepen niet werden uitgevoerd. Nu uit het niets na maandenlang contact gehad te hebben met de servicedesk is mijn creditcard ineens stopgezet en kan er niets meer mee gebeuren. Wow zelden, nee nog nooit heb ik zulke slechte dienstverlening en opvolging meegemaakt. Mensen ga niet met dit bedrijf in zee!!!

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  • author
    TJ W
    Jul 14, 2021
    This is really a BAD company their…

    This is really a BAD company their operations are the biggest joke I have ever seen in the Financial industry. I worked in there but their management is really bad no leadership at all. Very shallow people. Their so called IT Dept is heavily operated in India and same as their so called Dept head. They layoff people abs shifted everything to cheaper labour when they still have revenues. AMEX is voted as one of the best place to work for n for Women - DO NOT TRUST this !! They DONT have diversity / inclusions everything is FAKE to reserve an image. Their products / rewards programs are NOT good compared to the Banks.

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  • author
    Carol Fisher
    Jul 12, 2021
    WORST CARD AND COMPANY TO DEAL WITH

    WORST CARD AND COMPANY TO DEAL WITH. They only like you if you pay your card off in full monthly. They attract you with rates and then raise them any time they want. Rates on some cards now going up to 20.99%. What Company does this when people have been struggling and out of work during the pandemic .. disgusting and greedy. The max any other cards are charging is 19.99%. Have been with Amex for years, always pay early and more than mini,um payment required. AMEX says say that you will be getting "better benefits" for the rate hike. When i told them I wasnt interested in these benefits, I asked if I could change my card to the 19.99% interest card. Was told NO. Will NEVER deal with this company again. BEWARE OF SCAM TO TRY AND GET YOU TO SIGN UP FOR LOW INTEREST AMEX CARDS! IF YOU USE, THEY WILL HIKE YOUR RATES!

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  • author
    Gianluca Fusco
    Jul 12, 2021
    3 luglio 2021

    3 luglio 2021, viaggio di piacere in Austria, arrivo non ho il bancomat ma "solo" Amex oro. Chiamo di domenica mattina 08.40 del 4 luglio e mi rispondono dopo 3 min, mi abilitano la mia Amex oro per l'estero (ho dimenticato di attivarla). Prelevo 100 euro, pago a saldo 103.90 e mi viene spiegato tutto nel dettaglio. Non ho nulla da rimproverare, servizio clienti sempre molto cordiale e veloce. Ps è 1 anno che la uso, mai avuto problemi.

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  • author
    AL Hamilton
    Jul 10, 2021
    Amex tries to keep members from hitting their bonus spend limit.

    I just had the worst experience with Amex. They declined my platinum card while I was trying to hit the bonus spend of 15,000 dollars. They gave me some crap about spending limit knowing when card members have a new card they have a set amount to spend for the bonuses to kick in. They declined my card for a 149.99 charge despite having approximately a substantial amount in their bank. I was clearly no risk. They’re just trying to keep members from hitting bonuses! Not pleased with them at all!

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  • author
    Stefan aus Köln
    Jul 10, 2021
    AMEX: Kein Service, Selten akzeptiert...braucht kein Mensch

    AMEX ist sicherlich die schlechteste Kreditkarte, die man haben kann: Selten akzeptiert (zumindest hierzulande), keine Mitteilung des eigenen Verfügungsrahmens, eMails an den Kundenservice werden nicht beantwortet (ich bin seit 5 Jahren AMEX-Kunde, hatte sicherlich 5x bis 6x Fragen in dieser Zeit...warte noch immer auf Bearbeitung von Frage 1), Anrufe bei der Hotline werden freundlich entgegengenommen...Lösungsergebnis aber immer = 0, also genauso wie bei eMailanfragen. Überweisung aufs eigene Konto wurde nicht gebucht, AMEX sucht seit mittlerweile 3 Monaten, wo das Geld ist. Alles in allem: AMERICAN EXPRESS braucht kein Mensch, dieser Laden ist nur noch lebensfähig durch Kooperationen (Payback) und durch Lockvogel-Angebite (Meilenpromo vermittelt von zwielichten Youtube-Reise-Influenzer).

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  • author
    Chris Lowe
    Jul 10, 2021
    Keine Flugbuchungen mit Amex!

    Habe mich letztes Jahres bereits mit Amex wegen von der Fluggesellschaft stornierten Flüge rumgeägert. Der Kundenservices ist diesbezüglich eine Katastrophe. Habe Amex Lastschriftverfahren wiederrufen und die reklamierten Beträge mit einer bestehenden Forderung verrechnet. Gleicher Fall in 21 wieder Flug konnte storniert werden, Mytrip hat das Geld sich von der Fluggesellschaft zurückgeholt und mir nicht gutgeschrieben. Amex macht keine Anstalten das Problem zu klären. Problem lässt sich einfach lösen, Lastschrift wiederufen und Erstattungsanspruch verrechnen. Amex kann ja gerne Klage einreichen. Mein Anwalt freut sich schon den Verbraucherschutzvereinen einer Verbraucherfreundliches Urteil zuzustellen.

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  • author
    Don't Fear The Reaper
    Jul 09, 2021
    They will cut your credit-line in half for no reason

    They will start you up with a high credit-line. Later they will take away half of the credit line for no reason, even if your credit score is good and you have NEVER been late with a payment, consequently the reduction in the credit-line will lower your credit score by dozens of points, this lower score gives them the freedom to increase their interest rates. WORSE CREDIT CARD company in America. Discover is the best!

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  • author
    Albert Richter
    Jul 09, 2021
    !!! Werbungsbetrüger, Datenkraken !!!

    !!! Achtung, Betrüger, Daten sammel Kraken !!! !!! Veraxxxxe hoch 4 !!! Hatte mehrfach Punktesammelsysteme versucht und nach 3 Monaten meist aufgegeben. Dann mal payback versucht, weil mein Markt und Umfeld (Aral und REWE) häufig 10-fach Punkte anbieten und somit gut sammeln kann. Zack, angemeldet und gut war. Schön. Dann das Partnerprogramm mit der Amex gesehen und überlegt hin und her und dann doch abgeschlossen. Lief alles Problemlos. Aber die Probleme fingen nach 3 Wochen schon an. Erste Monatsabrechnung 800,- sollte 01.07. abgebucht werden. davor seit 28.06. wurde die karte gesperrt, weil der Rahmen angeblich ausgeschöpft, obwohl NIRGENDS weder SMS oder MAIL darauf hingewiesen wird. Am 01.07. wurde der Betrag gutgeschireben, also war die Karte wieder auf 0,00. Nur konnte ich damit immer noch nicht zahlen. Nervig dort angerufen. "Ja, es kommt von der Abrechnung, durch das SEPA, da müssen Sie solange WARTEN, bis der Betrag von Ihrem Konto abgezogen wurde, soll dann zum 07.07. passieren. Bis dahin bleibt die gesperrt." Es wurde auch abgebucht, aber entsperrt wurde nichts. wiederholt angerufen, und alle meinten nur bla bla, ja, es dauert halt bis das System es eingebucht hat und dauert halt und bla bla. Die entsperrung sollte dann zum 09.07. passieren. So, aktuell immer noch gesperrt. Wieder angerufen. Dann kam heraus, das angeblich ein schufa Eintrag vorliegt. what? Jeder hat Einträge, + wie auch - Vor Abschluss hieß es "ohne Schufa-Abfrage" Werbung bla bla bla. Alles war chic. Nach prüfung existieren 2 Einträge die abgezahlt wurden also ERLEDIGT sind. 1 neuer Eintrag, OBWOHL Streitfall mit Gerichtsverfahren am laufen ist !!! Und? Ergo ist der Schufa Eintrag erst einmal schon mal fraglich. Aber OHNE Rücksprache seitens Amex gesperrt. Zu regelung solle ich eine Schufa Bestätigung vorlegen. Da ist das nächste Problem, Aus Datenschutz DSGVO geht euch Amex da nichts an. Gezielte Datensammlung wo und wie man was an Schufa hat und mehr. Kundenseervice ist etwas anderes.

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  • author
    Marlene Suzuki
    Jul 08, 2021
    Liars

    Liars. I won’t be using their cards anymore, ever.

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  • author
    Shaun
    Jul 08, 2021
    Kundenschutz ist eine Lüge

    Der Schutz, den die Karte bietet, ist nicht wahr. Ich bin Kunde einer Goldkarte und habe es nicht geschafft, eine betrügerische Transaktion erstattet zu bekommen. Ich habe Ende April einen Flug über ein Online-Reisebüro gebucht. Der Flug wurde von der Fluggesellschaft storniert und die Kosten wurden am 10. Mai an das Reisebüro zurückerstattet. Inzwischen habe ich eine Reklamation gemeldet, da das Reisebüro mir nicht zurückerstattet hat und nicht erreichbar ist. Der Fall wurde zugunsten des Reisebüros geschlossen und mir wurde gesagt, dass ich 4 Wochen auf die Erstattung warten soll. Es sind nun schon über 2 Monaten vergangen und Amex weigert sich, mir den Betrag zu erstatten. Stattdessen wurde die Gutschrift, die sie mir ursprünglich gegeben haben, rückgängig gemacht und ich muss das Ticket mit dieser Abrechnung bezahlen. Die Versicherung, für die man 144€ im Jahr zahlt, bringt nicht viel.

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  • author
    Mike
    Jul 07, 2021
    I have two American Express cards…

    I have two American Express cards including one that has no prior spending limit. Have been a happy member since 93 and counting.

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  • author
    Chi Swift
    Jul 06, 2021
    I am boycotting American Express

    I am boycotting American Express. Who is with me? I was a customer for over 26 years with no late payments. I had a problem with my autopay. I was charged over $200 interest for 5 days between the problem and being notified.

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  • author
    T. George
    Jul 06, 2021
    I strongly suggest reading all

    I strongly suggest reading all, and I mean all, the fine print before applying for this card. ESPECIALLY if it is related to a promotion, such as Delta Skymiles. If you choose to go ahead and obtain a card be sure to copy and document all, and I mean all, the restrictions, limitations, and exceptions.

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  • author
    martin hebein
    Jul 06, 2021
    worst ever customer service.Was in the…

    worst ever customer service.Was in the middle of trying to purchase a new home having recently selling our previous home. American Express down graded my card without warning .and no we were not passed the due amount Spoke to the clowns at AE including a supervisor. They didn"give a darn bit!

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  • author
    J C
    Jul 06, 2021
    I would love to "love" American…

    I would love to "love" American Express, but they are not the same company as they were in the 80's and 90's where service to the customer was the goal. I have the Gold and Platinum cards because I travel and dine frequently. While there are a number of benefits, they are hard to use or not worth using considering what you have to do to access them. Here are problems I have encountered in the last several years: There are constant problems with my cards: my spending power is cut off without any warning and for arbitrary reasons. I've never missed a payment, or paid late. No preset spending limit is too complex and not what people think. All travel has to be booked using Amex to earn your points, and the reservations have to be prepaid. I have always found this aggravating. Booking over the phone is miserable; booking on the website often leaves you without earning some of your benefits and hotel staff see your booking as coming from Expedia (which is not prestigious and make them think you're not a cardholder with benefits at their hotel). Services like Global Assist are not particularly helpful. I was stranded over a thousand miles from home after a car accident and there was nothing they could really do to help with hotel, rental car, return flight home. I found this shocking. Many services have been dropped like roadside assistance. I've needed this more than once since they've discontinued it. The annual fee for the Platinum Card has increased to $695 from $550, but the benefits have gotten worse and are not benefits most people can use. I don't like that I can only earn my points in the U.S. as I travel internationally quite often. I also don't like that Amex is not accepted worldwide. Customer service is often unknowledgeable, unfriendly, or unable to be reached. The concierge service is often not helpful. I can't see a reason to keep my accounts with this company and will need to switch to Chase. For the high price to carry the cards, to the lack of customer services, to reduced acceptability and point earning outside of the U.S., Amex doesn't make sense in my life anymore.

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  • author
    Antonio Cioffi
    Jul 05, 2021
    pessimo servizio impossibile ottenere risposte

    amex per an serie di suo errori riconosciti mi rimosso un mandato di pagamento dopo 10 anni d titolare. ora mi fanno pagare 16,92 per mancato pagamento, quando mi hanno garantito che non avrei pagato nulla !!!! i disguidi continuano hanno emesso 3 mandati di pagamento sul mio nuovo cc ed ho 2 carte Amex. !!! spiegazione l'ufficio preposto ci sta pensando!!!! di tutte questi disguidi sono io che mi accorgo e telefono e le risposte sono inutili ora hanno passato al gestione del credito a società esterna che legge la info a terminale e non capisce nulla cosa serve un servizio informazioni? a perdere tempo, perché Amex non risponde

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  • author
    Gian Franco Capra
    Jul 04, 2021
    Dopo anni come cliente di Carta Verde…

    Dopo anni come cliente di Carta Verde in cui mi sono trovato bene, faccio il passaggio a quella oro. Subisco una frode che con la Verde sarebbe stata immediatamente risolta a mio favore. Con la Oro nulla di tutto ciò. Vengo trattato come un pezzente e preso pure in giro con e-mail che dicono di non aver presentato la documentazione richiesta, quando ho fatto esattamente le stesse cose che facevo con la Verde. Ma nulla. Ora sei un cliente che paga di più, chi se ne fotte. Cancellata la Carta. State lontani mille miglia!

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  • author
    Alex Madrzyk
    Jul 04, 2021
    I absolutely love my Amex platinum…

    I absolutely love my Amex platinum card, and have gotten way more back in value than the $550 yearly fee. I’ve gotten back $1000 in signing bonus, $200 Uber credit, $200 flight credit, $200 hotel credit, $100 saks credit, $100 Home Depot credit, $100 Best Buy credit, unlimited free airport lounge buffets and bars, and more… all within the same year! Their customer service is also excellent. If you’d like to also get $1000 in signing bonus, here’s my referral link: http://refer. amex. us/ALEXaMg2dC?XL=MIMCP

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  • author
    Eli Marudi
    Jul 02, 2021
    Very dissatisfied with AMEX

    Just spoke to Peggy Jones from AMEX. She was very rude and did not understand the situation whatsoever. I was told by 5 reps (yes, 5 individual reps) that my account is cleared for a charge I was about to make. The charge was declined although I'd wired money to AMEX specifically for this charge. I called to check why it was declined, they advised me to split the payment into 2. I did that and it was declined again. I called them again and explained that if the charge doesn't go through I will incur fees since it's a long weekend. They said to try it again. Tried, declined. Called again and spoke with Peggy. She gave me some attitude, which I did not deserve, I did not yell, spoke respectfully. I am their client for about 12 years but no more. I am closing all my accounts with AMEX, business(es), and personal, and I advise you to do the same. If they are not there the 1 time in 5 years that I need them then what's the point.

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  • author
    david ballington-graham
    Jul 02, 2021
    serious problems accessing my account

    trying to access my account via Firefox search engine but it is not working and they say they have a problem and to resolve the issue use Google Chrome which I do not want to. They are forcing me to switch to a search engine I do not want to use. So how do I access my account?

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  • author
    Sadie Ward
    Jul 02, 2021
    AMEX NOT WORTH IT

    Went with my dad, sister, and stepmom into an AMEX at Denver airport, we were told you were limited to 2 guest and we couldn’t all enter, guess you got to choose a child to go in, we had a 4 hour layover and although my father pays for access his family wasn’t allowed to enter. Trying to find information online and make a complaint to AMEX themselves is extremely difficult. I could find customer support in the UK for American Express easily while in the US and still can’t find it for the US complaint or help center

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  • author
    Ümit C.
    Jul 01, 2021
    4.000 extra-Punkte nicht erhalten

    Sehr geehrte Damen und Herren, am 25.04.21 habe ich den Kartenantrag gestellt. Am 04.05.21 habe ich die Karte erhalten. Am 08.05.21 habe ich die Karte aktiviert. Die Punktegutschrift erfolgt laut Ihrer Homepage nach 4-6 Wochen nach Kartenaustellung. Leider habe ich die 4.000 extra-Punkte nach mehr als 6 Wochen Wartezeit nicht erhalten. Ich bitte um Punktegutschrift. ********************************************** Ich habe American Express erneut am 01.07.21 geschrieben: Sehr geehrte Damen und Herren, am 21.06.21 hatte ich Ihnen geschrieben, dass ich die 4.000 Bonus Punkte nicht erhalten habe. Leider habe ich bis heute keine Punktegutschrift feststellen können. Ich bitte um Prüfung und Gutschrift der Bonus Punkte. *********************************************** Leider reagiert American Express nicht auf meine Mails. Von den Bonus Punkten fehlt jede Spur.

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  • author
    Paul Moulange
    Jul 01, 2021
    American Express unavailable today!

    Trying to login at 8pm on a Thursday evening and get "We're sorry. Our systems are temporarily unavailable. Please try again later.". I thought this was a big successful company!

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  • author
    Antonio Giro
    Jul 01, 2021
    io possiedo carta oro da un anno e con…

    io possiedo carta oro da un anno e con un plafond sul primo anno in base alle mie credenziali, basso. Rispettato sempre puntualmente i pagamenti, dopo un anno di puntualità pagamenti, plafond aumentato! Tutto sta alla serietà del possessore della carta ad non abusarne. le regole sono regole. prima di sottoscrivere il contratto leggere attentamente le clausole. A parte i costi annui per possedere la carta dopo il primo anno, io mi trovo bene. Mi hanno fatto avere i rimborsi su acquisti risultati fasulli. Questo è importante se si acquista molto on line. Azienda seria.

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  • author
    Fabio Galiè
    Jun 30, 2021
    Perdita di tempo

    Premesso già ho altre carte di credito Meglio che non dico ciò che penso poi sulla professionalità del centralino Faccio una richiesta x una carta me ne vengono proposte due. Dico alla centralinista. guardi che io già ne una. A tre. Carte. Bocciano la pratica risposta no no non si preoccupi morale della favola pratica annullata non ho problemi in criff non ho problemi nei sistemi vari un. Conto aperto dal 2005 non fa niente. Usiamo questo aperto lo scorso anno Ma stiamo su scherzi. A parte. Non voglio dire. X educazione. Ciò che. Penso lascio a voi l'immaginazione

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  • author
    Ed
    Jun 29, 2021
    Terrible customer service....

    One of the worse customer service experiences I have ever had. I applied for an American Express card over a week ago. I wanted to use the card for the cash back feature. I have an Excellent credit rating, both of my houses are paid off, both cars paid off, and no other bills other than monthly living expenses. Together my wife and I earn $100 k after taxes and enjoy the freedom of being debt free. After a week of not hearing from them I called only to find out after being dropped off line three times that my application was placed in the "high risk" category.

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  • author
    DJ
    Jun 29, 2021
    Ohh....they are SOOOO "woke" They…

    Ohh....they are SOOOO "woke" They signed a petition to prevent ANY efforts to establish secure elections. How "American" of them. I cut my card in half. I suggest you do the same. Nobody even ACCEPTS amex any longer.

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  • author
    CALLU
    Jun 29, 2021
    Carte utilisable nulle part à part aux…

    Carte utilisable nulle part à part aux USa Les banques font la même chose pour moins chère !! Fuyez

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  • author
    Leon
    Jun 28, 2021
    Accessible to my client manager at 3…

    Accessible to my client manager at 3 am. What else I should expect?

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  • author
    Afrasiab Khan
    Jun 28, 2021
    The worst credit card company

    There no option to give them zero start, they very low customer service, they increased my limit two time with out my permission, and when I complain they didn't bother at all. So very low customer service and they don't have any offers at all. Soon I will close the account.

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  • author
    Pepe
    Jun 27, 2021
    Unos auténticos subnormales

    Unos auténticos subnormales. Miembro de american exprés desde el año 1978. Poseedor de una tarjeta Platinum. Con un gasto medio mensual de 5.000€,pues bien un día al pagar un hotel me rechazaron el pago. Llamo a AE y tras muchas aclaraciones me dicen que ha sido un error y me piden mil disculpas, asegurándome que no volvería a pasar. A los meses efectuó una compra de 7.000. € y me la vuelven a rechazar. Llamo y me dicen que ese mes he superado mi límite, con una tarjeta platinum supuestamente sin límite, una tarjeta que me costaba 500€ al año y esto teniendo también una tarjeta Visa que es gratuita con un límite de 30.000€. Los mando a pastar y a los días me llama una ejecutiva de cuentas de AE con acento argentino. Le dije que se metiera la tarjeta por el ort…. Ya ni regalada la quiero. A mi no me hacen pasar otra vez vergüenza. Además he sacado de mis negocios la posibilidad de pagar con esta tarjeta. Aun siguen llamándome para que vuelva a admitir su tarjeta,los capullos.Os equivocasteis.

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  • author
    Marcello
    Jun 26, 2021
    Ottima Carta di credito

    Payback è a 0 spese e in più hai i doppi punti. Se ti interessa avere un bonus iniziale usa questo link (ricordati di rimuovere gli spazi) www. americanexpress.it /amico/ mATTECBf1m?CPID=999999545

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  • author
    ian walker
    Jun 25, 2021
    After nearly 30 years of membership

    After nearly 30 years of membership, received a letter, informing me that my personal interest rate on my BA Premium card will be increasing from 22.2% to 26.1%, due to ' a greater likelihood that certain cardmembers might not be able to repay us'. Never missed a payment, pay monthly bill in full every month, my Clearscore credit score had gone up this month. If they can't trust card members, just take the cards away from members! I have 3 cards, including Platinum Charge card, will be cancelling all 3. Greedy and unsympathetic company. Karma will catch up with them. Remember the Bank of England Base Rate is 0.1%. This company is a disgrace.

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  • author
    Uwe Hutter
    Jun 25, 2021
    Von wegen Prestige ...

    Seit vier Tagen ist meine Platin-Karte ohne Angabe von Gründen blockiert. Beim Kundenservice kann niemand Auskunft geben, Zusagen für Rückrufe werden nicht eingehalten. American Express - ich bin seit zwanzig Jahren Kunde - war mal Ausdruck von Prestige und Kundenservice. Inzwischen wird jeder Bauernhof professioneller gemanagt als Amex. Meine Karte werde ich kündigen. Es gibt zum Glück noch Anbieter, denen was an ihren Kunden liegt wo man nicht behandelt wird wie ein potentieller Verbrecher.

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  • author
    Jerry Wood
    Jun 24, 2021
    AE Platinum customer service

    I have been an AE Platinum member for over two years. I had heard great things about their premium card and decided to give it a try. Up until last month I have been pleased with the service provided. Now I have an issue. My wife and I planned a cruise last year before COVID hit. Our cruise was canceled so we rebooked for this year and booked our airline tickets to Europe also. Our cruise was canceled again this year so we decided to ask for a refund for both the cruise and the airline fare until COVID sorts itself out. We received the cruise credit within two weeks...no issues. Our airline was non-US carrier and a bit of a challenge to even ask for the refund. Finally, I was able to piece together the refund and explain to AE how to proceed. Several weeks ago I received a credit for the airfare ($6,500) and then was immediately rebilled the same amount. I have had numerous discussions with the Conflict Resolution department, but seem to receive a different story every time I call. I even had a supervisor hang up on me even though I was calm through out the call. I have had to dispute charges in the past and never had this issue. It seems as if the Conflict Resolution team is not on the same sheet of music.

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  • author
    Carlos Veas
    Jun 24, 2021
    Worst service

    Worst service, I have been trying to use my points for 3 weeks. Spoke to people that hardly spoke any English, very hard to communicate. Anyways, i have 500k points and i still do not understand why there is always a problem to buy the tickets. Rewards online doesnt show my points so i cant do it there. Just horrible service. Please note that i dont feel this way just because this situation, i have never been happy with their cusotmer service, before it was a luxury to have this card now its like have a pre paid credit card. no luxury no more

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  • author
    deutesto_1992
    Jun 24, 2021
    Simple and good.

    Simple and good. I have an AMEX credit card and it works just fine. I pay no monthly fee and I earn some points by using it. I could create the card via internet and it works just fine. I found it easier and straightforward, quite different from other traditional credit card companies.

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  • author
    Natali Ficarra
    Jun 24, 2021
    I have been a americanexpress card…

    I have been a americanexpress card holder for about 25 years never been late in payment .my balance was due on a weekend which I paid in full like I do every month .I just received my statement get charged a overdue fee plus interest charge .I can show my bank statement that I paid on time .they didnot want to know after being a member for so many years it's time to find a new card great company not

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  • author
    Tobias Kammerer
    Jun 23, 2021
    Ein extrem schlechter Kundenservice

    Ein extrem schlechter Kundenservice. Aussagen werden nicht eingehalten. Zugesagte Rückrufe finden nicht statt. Eine Umbuchung des Kartenguthabens von der alten Amex aus Rücksendungen auf die neue Karte dauert bis zu 10 Tage. Von den Mitarbeitern erzählt einem jeder eine neue Geschichte. Kartentransaktionen haben teilweise mit Amexkarten am Terminal nicht funktioniert. Die Terminals haben sich immer aufgehängt - in verschiedensten Geschäften. Das Anliegen wäre angeblich an den obersten Vorgesetzten übermittelt worden. Auch hierzu habe ich nie eine Rückmeldung erhalten. Aus der Summe der Dinge resultierend habe ich die Kündigung meiner letzten Karte ausgesprochen. Bei der Kartenkündigung meinte die Mitarbeiterin in einem pampigen Ton: Was haben wir denn verbrochen? Für mich ist das nun erledigt. Andere Kartenanbieter erkennen, dass sie mit Kartenzahlungen Geld verdienen.

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  • author
    fbug68
    Jun 23, 2021
    Never had a problem

    I have had an American Express card for a couple of years now and I have had no problems at all. The mobile phone app is superb and has never let me down - I have always managed to do everything I need to using it. The only downside to Amex is that many shops on the High Street won't use them because of the charges, which is a shame. I haven't used the rewards because I don't use a credit card that much and haven't had the opportunity.

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  • author
    Klaus Hockl
    Jun 23, 2021
    Richtig schlechter Service

    Richtig schlechter Service. Wenig kompetente Hilfeleistung trotz Platinum. Da gibt es keinen richtigen Extra-Service, der einem Weiterhilft. Online, veraltete Produkte.

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  • author
    Laura
    Jun 22, 2021
    se fosse possibile metterei zero stelle…

    se fosse possibile metterei zero stelle . Serieta' Zero Servizio Clienti Zero Assistenza Zero Tutto quello che ti viene detto al telefono non corrisponde al vero! L'unica cosa corrispondente e' il costo elevatissimo della quota annua quando sei già cliente perchè quando lo devi ancora diventare sono disposti a non fartela pagare!

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  • author
    sebastiano pasquini
    Jun 22, 2021
    Limite del ridicolo

    Dopo circa un paio di anni mi sono dovuto ricredere sulla professionalità di quest’azienda. Dopo aver per un paio di mesi di fila sostenuto attraverso la carta spese ingenti, per via di varie trasferte lavorative, ricevo una lettera dove mi comunicano che il mio plafond verrà abbassato a 600 euro mensili. ( la teoria è che più usi la carta più il plafond si alza) Arriva il giorno del addebito sul conto corrente e come sempre pago il mio debito senza nessun tipo di ritardo( parliamo di circa 2200 euro). Risultato ? Mi bloccano la carta per 9 giorni dicendo che essendo quello tra loro e la mia banca un rapporto fiduciario devono avere la garanzia che la transazione sia andata a buon fine, con la possibilità di velocizzare però il tutto facendoli contattare dalla mia banca. Ovviamente io mi avvalgo di questa possibilità e li faccio chiamare dal direttore della mia filiale. Come se non bastasse mi hanno pure bloccato l’erogazione dei contanti senza qualsiasi tipo di avviso scritto. Grazie mille AMEX a mai più.

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  • author
    Sofia
    Jun 22, 2021
    refused to provide instant card number without providing any reason

    I just got approved for their blue cash preferred yesterday and I'm already questioning my choice based on their customer service. I tried to get the instant card number and they refused to provide it without furnishing any reason as to my why I am not eligible for it. Why advertise something if you won't deliver on it and then not even bother provide an explanation? Contrast that with chase where representatives bend over backwards to make customers happy (in my experience). My friend suggested that they may not be giving out instant card numbers now because they don't want people getting the 20% amazon statement credits on prime day (one of their new card benefits up to $200) which would be an unethical business practice. Maybe you'll say it's not fair of me to judge them based on this incident, but to be honest I'm mostly annoyed by the fact that they didn't even try to make things right or at least provide an explanation and that is indicative of poor customer service in general.

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  • author
    Swift Deals
    Jun 22, 2021
    American Express used to be elite, now they're trash.

    Lowered my credit limit without warning even though I had never failed to pay the card in full. Then the one time I had a problem with an item and the merchant wouldn't accept my return, American Express basically told me to get lost... I thought you guys had buyer protection on your cards? American express used to be elite, now they're trash. Go with Chase or Discover.

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  • author
    Andreas Wagner
    Jun 20, 2021
    Richtiger Saftladen

    Richtiger Saftladen. Kann ich nicht empfehlen. Schalten Werbung auf DMAX 5 Mal direkt hintereinander. Ne danke !

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  • author
    Luiz M.
    Jun 20, 2021
    Bad customer service, rewards system problems!

    I was a customer for many years in Canada, and enjoyed some benefits because of the partnership with Air Canada and Aeroplan. I once redeemed many points for gift cards which were sent to my address but I've never received those. Amex claims they were delivered and have been used! After trying to get them to send others ones, I was told pretty much there was nothing they could do. It is really frustrating to not be able to communicate by e-mail for some specific matters, and now living in Portugal, it's even harder due to the time zone difference.

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  • author
    Mary Hamilton
    Jun 20, 2021
    HORRIBLE workflow and process in place…

    HORRIBLE workflow and process in place with Amex customer service. I requested a credit amount to be wire transferred to my acct after disputing an amount. I was told it will take up to 3 business days. After 3 business days and a weekend day I called and was told it was not processed. 3 reps and 1 supervisor was unable to tell me why and the depts that could were not available. I don't think this kind of service is worth the yearly fee and the frustration. Plan to pay off and cancel card.

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  • author
    Tony
    Jun 19, 2021
    A once great company...now a ZERO…

    A once great company who now have ZERO customer care, they allow fraud from their merchants...... an supply window stickers to allow this... yep really! I dined in a restaurant with an Amex supplied sticker in the window saying they support "shop small" yet Amex could not care less they did not accept my card! Amex.... you are complicit in this fraud!

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  • author
    Shaun Godfrey
    Jun 19, 2021
    I had been a customer with this company…

    I had been a customer with this company for 1 year. I had a credit limit of £4000 and never went over £900, always paid on time and have a very good credit history. With no warning they put my credit limit down to £920 with no explanation. With in 2 days I closed my account. Bad customer service.

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  • author
    Helen
    Jun 19, 2021
    Experienced great customer service today

    Experienced great customer service today

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  • author
    Tim Matschak
    Jun 18, 2021
    Abysmal at dealing with technical…

    Abysmal at dealing with technical problems. AmEx has been unable to sort out a problem with Apple Pay for 5 days and ask for another 2 days to look at it. No notifications to customer, you have to go an ask them to check on progress. Pathetic.

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  • author
    Jessi Nanwitz
    Jun 18, 2021
    Schlechter Service

    Schlechter Service. Die locken euch nur mit den Punkten. Ich bin seit drei Jahren dort. Ich habe eben die Karte gekündigt. Es kostet nur Geld, Zeit und Nerven. Finger weg von den Karten

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  • author
    James Addy
    Jun 17, 2021
    Always had a good experience using Amex…

    Always had a good experience using Amex and also get rewarded with BA Avios points. I use Amex as my main credit card but unfortunately lots of places in the UK still wont accept Amex.

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  • author
    Dennis McDermott
    Jun 17, 2021
    I was a customer of American Express…

    I was a customer of American Express until December 2020. I became a member in 1976. I decided to leave American Express because I found out they are not interested retaining their customers. For 44 years, I used their card, paid their membership fees and generally supported them. I charged over a million dollars of good and services through them. I knew they had the highest membership fees, the highest processing fees and the most punitive late fees. I also realized I got little back from them. I used the card to charge my business expenses. In 2020, I did some basic calculations to find approximate how much money American Express made from my card. Their income from my purchases and membership payments was approximately $260,000.00. I was surprised at the amount but believe the estimate is low. When I got the 2020 charge for my card, I called American Express and to ask them to waive my membership fee because of my years in the program. My call was answered by a call center in India! I could hardly understand the representative and so it was difficult to get any resolution to my problem. I ultimately canceled my American Express card on this call. Any company that shows so little regard for its customers and has a foreign call center while having "American " prominently displayed in its name, does not deserve our business. I recommend that all business people and corporation using American Express immediately cancel their cards. Additionally, if you are a business accepting American Express, please cancel your relationship with them. American Express cannot exist without their customers. They do not understand how important we are to them. Vote with your money. Teach American Express a lesson they will long remember.

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  • author
    client
    Jun 17, 2021
    Plafond de 500 euros sur une carte…

    Plafond de 500 euros sur une carte société qui a une cotisation de 650 € c'est une blague!!! je suis client depuis 30 ans j'ai eu la black après la platinium normale avec la quelle je payais jusqu'a 40 KE de factures et un conseillé de chez eux m'a vendu la platinium air france avec soit disant plus de miles: bilan je ne peux plus acheter au dessus de 500 € en plus un back office nul qui n'envoie plus de relevés ce qui d'ailleurs devient problématique pour une société vis à vis de l'administration fiscale

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  • author
    Peter Davis
    Jun 17, 2021
    A greedy greedy American company

    I can only add to previous comments, have had this account for just under 12 months, not a single late payment and account run with no problems, then receive a letter to say 'there is a greater likelihood that certain Cardmembers might not be able to repay us' and they have increased my interest rate. Not had a single increase on any of the other cards I have held over the past 20 years. Despicable greedy company. Avoid at all costs!!!

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  • author
    Cheshire
    Jun 17, 2021
    AVOID very rude letter increasing interest after 20 years with them no missed payment as alway paid off in full

    Had a very rude letter sent to me today to advising my interest is going up due to your review of my account and likely hood of a member being able to pay you back. Not once have I missed a payment with you them in 20 years and not once have I paid any interest. Very very rude letter and will be cancelling my account after 20 years #notjustacardmember🤣🤣🤣🤣🤣 they are a joke even Lorraine in the customer service team said she would be upset with the letter as I have never missed a payment or paid them any interest and said if my be as they use Experian which I have a score of 988 !!! No mortgage home owner and great job. Going to lose my business now.

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  • author
    R Clarke
    Jun 17, 2021
    Awful company

    Awful company, putting my interest up because of ‘risk’ more like greed

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  • author
    Simon Dewhurst
    Jun 16, 2021
    Recently joined using a referral code…

    Recently joined using a referral code to earn bonus Avios but when they dint appear the AMEX agent wanted me to prove I'd done the sign up using the link. Eventually resolved after chasing them up 10 days later but not a great start to life here. No other issues since though.

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  • author
    Gad Toledano
    Jun 15, 2021
    carte invalidée pour ne pas avoir…

    carte invalidée pour ne pas avoir repondu a un mail demandant des information ultra confidentielles. impossible d avoir acces aux releves

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  • author
    David
    Jun 15, 2021
    BEWARE DO NOT USE

    BEWARE DO NOT USE. You're much better off using another credit company. I've had the worst ever experience with them and they provide absolutely know protection for you.

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  • author
    Johann Wechner
    Jun 14, 2021
    schlechter Service

    Habe seit 3 Jahren AMEX Platinum, bin grundsätzlich zufrieden, aber insgesamt gesehen nur 2 Punkte, weil der Service nicht da ist. Schriftliche Anfrage über 2 einfache Versicherungsfragen werden nicht beantwortet. Außerdem aufpassen bei Reiseversicherung, die Reise muss mit AMEX bezahlt werden. Wenn ich zum Gardasee fahre und das Hotel nimmt die AMEX nicht, bin ich nicht versichert! Andere Karten können das viel besser!

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  • author
    A customer
    Jun 12, 2021
    Used to be good but recently they have…

    Used to be good but recently they have significantly reduced cashback benefits for the second time. Also, they release occasional bonus cashback offers but the cashback regularly fails to be paid. There are now better cards around

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  • author
    Marc Kowalski
    Jul 20, 2021
    Etwas Nervig

    Es ist schön, mal 30 Tage oder mehr den einen oder anderen Betrag schieben zu können. Ich habe schon andere Kreditkarten gehabt und kann diese hier wirklich nicht als "Vollwertige" Kreditkarte bezeichnen (Blue), denn nicht nur die Akzeptanz & Benutzung gestaltet sich schwierig, denn: - Online Konto sinnlos durch Nutznamen, die mit vorgaben zu umständlich sind & die App ist das größte Problem (Funktionen unmöglich & startet teilweise nicht) und daher MUSS auf das Telefon & Papier zurückgegriffen werden. - Abbuchungen z.B. am Sonntag werden früher oder später abgezogen. (Schon die Wahl des Datums scheint nich Sinnvoll zu sein) - Es vergeht sehr viel Zeit, bevor etwas passiert, jedoch die Belastung des Kontos ist blitzschnell, daher vorsicht wenn es über 30 Tage hinausgeht. - Alles unter 14 Tagen oder nur 1 Woche lohnt gar nicht, da nur Wartezeit entsteht oder dann doch schon Abbgebucht wird bevor geliefert ist !!! - Zitat einer Dame vom Service "Wir sind keine Bank" Schön & Gut aber erklärt mir nicht warum es notwendig ist 6 Monate zu warten um Bargeld von seinem Konto abheben zu lassen! Daher Bargeldfunktion = SINNLOS !

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  • author
    Alex Wilkins
    Jun 11, 2021
    5 star service

    Great company, had issues with getting a refund on a cancelled flight, they refunded me in double quick time. Still waiting on Halifax to get back to me a month later! Use my American Express for all big purchases now

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  • author
    JL
    Jun 11, 2021
    Greedy and unfair

    Greedy and unfair. Used them for a few years and always paid the minimum at least and now after an internal assessment relating to risk they amend my interest from 22.2% to 26.1%. People struggling to pay bills and they hit hard in the wallet. Greedy pigs!

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  • author
    Mirko Matuszak
    Jun 11, 2021
    Leider nicht mehr zu empfehlen

    Leider nicht mehr zu empfehlen. Amex scheint inzwischen komplett überlastet zu sein. Einfachste Anfragen (zB Änderung der Bankverbindung) enden in einer totalen Katastrophe. Da viele Mitarbeiter kaum noch deutsch verstehen und sprechen, entstehen viele Fehler. Am Ende ist natürlich de Kunde schuld und Amex versucht auf penetranteste Weise Kosten abzuwälzen. Sorry, das geht gar nicht mehr mit euch.

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  • author
    Al
    Jun 11, 2021
    Insulting "chat" support

    Signed up for a heavily advertised scheme - spend £15 at a "small" business and get £5 credit back. So I went to have a meal at one of these nominated places (spent the money) and then was told AMEX cards didn't work in their restaurant! Contacted AMEX online chat, who said they would take the vendor off the advertised offer, but couldn't give me a £5 credit BECAUSE I HADN'T USED MY CARD! Totally unsympathetic and was told in the "chat" - "there is plenty of time for you to use the offer in other places". Thanks for encouraging me to spend money with a promise of a credit that didn't work - but so much worse was the attitude on their "chat"

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  • author
    Si Campbell
    Jun 10, 2021
    Wonderful Service!

    Wonderful Service!! Awesome rewards… pay your balance in full every month & it’s all plain sailing… Customer service is like a five star hotel. Anyone who leaves a negative review about this card just can’t handle credit. Happy Platinum Card Customer.

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  • author
    Hoo Ami
    Jun 10, 2021
    Demanded my cell phone number

    I have two cards: Gold and Blue. Today I received a new Blue with instructions to confirm. NO phone number to confirm. Have to do through an app they want you to download or online. I don't want their app. I go online and enter the card number and code. It redirects to their account login screen. I had previously set up an online account but this was a nuisance. As soon as it logs in it demands my cell phone number. There was NO way to proceed without it. In the upper left corner it says "card activated" but there is not even an option to log out. My cell phone number is none of their damn business. I close tab. Out of curiosity I open a new login screen and at least this time it takes me to my account page. If it continued to demand my cell number I would have canceled. Another annoyance: every two months I get a letter with updated account terms. This is bizarre. I have multiple credit cards and NONE of them behave like that, constantly changing terms. Like they don't know what they are doing. My other accounts update terms AT MOST once a year, usually maybe every couple years. If I did not already have these cards, I would NOT do business with American Express.

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  • author
    Manfred K.
    Jun 09, 2021
    Erkennt sofort Betrugsversuche und schützte mich!

    Ich kann Amex ohne Bedenken empfehlen! Vor allem die Betrugserkennung ist Weltklasse (wie ich heute selbst erleben durfte/musste). Meine Kreditkartennummer wurden heute von irgend Jemandem/mehreren missbraucht, um in verschiedenen Onlineshops Dinge zu bestellen. Nach der ersten verdächtigen Transaktion, wurde meine Karte zum Glück nach ca. 1 Minute automatisch gesperrt, was wohl schlimmeres verhindert hat! (Das Amex-System erkennt wohl automatisch das etwas nicht stimmt, wenn man zum Beispiel an unterschiedlichen Orten der Welt/unterschiedlichen IP-Adressen/etc. in kurzer Zeit/zur gleichen Zeit etwas mit der Karte bezahlen möchte usw.) Ich erhielt sofort eine Email und auch eine SMS von Amex, dass meine Karte aus Sicherheitsgründen gesperrt sei. Nach dem ersten Schreck, ergab ein freundliches Telefonat mit der Amex-Hotline (welche ohne Wartezeit sofort zur Stelle war), dass wohl jemand/mehrere meine Kreditkartennummer benutzt hatten um in Onlineshops (wo bei der Bezahlung nur eine Kreditkartennummer, ohne Namen ausreichte) für Kleinstbeträge (wofür nicht immer eine 2 Faktor-Authentifizierung nötig ist) etwas zu bestellen, was für die Betrüger aber zum Glück nicht klappte. Nun bekomme ich (natürlich kostenlos) eine neue Karte mit neuer Nummer und falls doch noch etwas sein sollte, bekomme ich auch Schäden von Amex erstattet. Die neue Kreditkarte war sogar schon ca. 30 Minuten nach dem Telefonat in meiner Apple-Pay Wallet verfügbar und die Plastikkarte kommt in ein paar Tagen - Wahnsinn, als wäre es das Normalste der Welt. Jedenfalls fühle ich mich trotz dessen sicher und weiß jetzt, dass man sich auf Amex und deren Sicherheitssysteme verlassen kann :-)

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  • author
    Giorgio Giannola
    Jun 09, 2021
    Quando la professionalità non è acqua

    Pensavo fosse una carta di un certo livello, invece mi sono dovuto scontrare con l'amara realtà. Faccio la carta restituendo la vecchia e fidata nexi. Il primo ostacolo che incontro è che non tutti gli esercenti la accettano, e vabbè, cerco di farmi piacere questo fastidio. I guai iniziano quando chiedo di cambiare conto corrente d'appoggio. Loro ci mettono un mese intero io nel frattempo chiudo il mio conto. Dopo un po' mi arriva una segnalazione di mancato pagamento e mi chiama un'operatrice che, senza che io le dica nulla, controlla e capisce che è stato un problema loro. Tutto risolto ? Per nulla. L'altro ieri mi arriva una lettera dove mi mettono il massimale a 500 euro. Scherziamo ? Morale della favola carta rispedita al mittente e sottoscrizione di una nuova nexi.

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  • author
    Master Potato Agronomist
    Jun 09, 2021
    The Company from Hell

    The Company from Hell. Its like a bad penny, it always shows up. You can melt it, crush it, use magic to obliterate it and throw it into the volcanic fires of Mt. Doom and still it shows up. We cancelled the card and had everything paid off (we never used it so we had to pay off the stupid $99 annual fee and that's it). But a year later I find out my credit has been getting hit with delinquent payments for 12 months on an account that has nothing due. I call, complain and "get it resolved" and a week later they send me a letter in the mail with the annual fee. Needless to say now I'm angry. These guys deserve to have your manhood's removed and burned in the pit of despair. The representative then hung up on my wife... Need I go any further? Wanna really ruin a guy's day, then go ahead, ruin his credit for no good reason, send him a bill for $99 for something he hates and then hang up on his wife... yeah now its time... Never Ever use this company. Run, if they have an idea of who you might be, change your name, delete your identity. Go Jason Bourne and get out, because they will find a way to ruin you.

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  • author
    ricky davies
    Jun 08, 2021
    Very generous credit limits

    After struggling with some bad credit in the past due to unpaid parking fines I managed to fix my credit score and apply for an Amex. I opted for the nectar version as it has great rewards to suit me. The whole process took around 5 mins and I got accepted with a very generous 5 figure credit limit. I shall be making this my main purchase card from now on.

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  • author
    Artin Gorvanchi
    Jun 08, 2021
    Carta di credito perfetta

    Utilizzo la carta Blu da poco più di un anno, in passato ho sempre evitato le carte di credito, è la mia prima volta. Sono estremamente soddisfatto. Uno strumento di pagamento eccezionale. Non è più vero che non viene accettata da nessuna parte; nei negozi dei grandi marchi è ben accetta (tutti i supermercati, la maggior parte dei benzinai, abbigliamento, etc.). I costi sono zero per il primo anno, dopodiché si paga un piccolo canone di 35€ all’anno, se si considera che l’1% delle spese viene rimborsato è molto facile azzerare il canone e pure guadagnare delle cifre. Ad esempio: spendo 500€ al mese per 12 mesi, alla fine dell’anno sono 6000€ per cui mi verranno riconosciuti 60€ di credito. Il servizio clienti è eccezionale, grandissima cordialità e professionalità e disponibile 24 ore al giorno, tutti i giorni; ogni dubbio viene chiarito prontamente. Perfetta per gli acquisti online in quanto ti tutela da eventuali frodi, ad esempio: compro un oggetto su internet, alla consegna si rivela essere diverso o danneggiato, o addirittura non consegnato, se il rivenditore si rifiuta di rimborsarvi lo farà American Express. Nel panorama delle carte di credito italiane non esiste uno strumento così efficiente e conveniente.

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  • author
    Jann
    Jun 08, 2021
    Amex maakt zelf een fout

    Amex maakt zelf een fout. Als je dan vervolgens een klacht wil indien dan moet je een brief schrijven en per post op sturen, whoehaha anno 2021! erg slecht!

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  • author
    CESAR BEGARA ORTEGA
    Jun 08, 2021
    PESIMA TARJETA

    PESIMA TARJETA, NINGUNA FACILIDAD EN LOS PAGOS IMPORTANTES, LLEVO MAS DE 24 H. PARA HACER UN PAGO DE UNOS 5.500$ A UNA AGENCIA DE VIAJES Y TODAVIA NO LE HE PODIDO TRAMITAR

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  • author
    Massimiliano Roberto
    Jun 06, 2021
    Sono possessore di carta oro e gold…

    Sono possessore di carta oro e gold credit non vengono accettate quasi da nessuna parte praticamente inutili e costose per l'Italia del nero sommerso ovunque rifiuti su rifiuti in più bisogna aspettare 6 mesi per prelevare inaccettabile solo da considerare fuori dall'italia inoltre call centre di inesperti a Roma con i loro tempi lunghi e lenti. Delusione!!!!

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  • author
    N
    Jun 05, 2021
    American Express?

    American Express? Sounds like an espresso or a cappuccino to me

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  • author
    Matteo Labbate
    Jun 04, 2021
    Salvo solo il servizio clienti

    Salvo solo il servizio clienti. Che risponde gentilmente. Con questa carta praticamente se provi a sfiorare il fido concesso perché magari hai fatto spese in più. Ti mandano un messaggio abbassandoti il limite e per un mese non riesci a fare nessun pagamento. Dopo 4 anni sempre effettuando pagamenti regolari mai un problema e con un canone annuale non indifferente..dico. tanti saluti.

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  • author
    Zaylow Rozay
    Jun 04, 2021
    Thieves

    Listen, DON'T waste your time! I'll give you one of the many infuriating examples. They hold your refunds for seven days before they release it. Your money will show pending two days after the refund is processed. Basically, they tell you they're going to hold your money for 7 days but it's really 10 days or whenever they decide to put your money in pending status. The moral of the story is, they hold your money in order to grow as much intrest as possible

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