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American Express High Yield Savings Review

Earn more interest than your average savings account

Reviews 3,657

American Express National Bank

Poor

Reviews 3,657

Alex Mcomie

Jun. 25, 2023

1 min read

American Express National Bank Summary

American Express National Bank, Member FDIC, is one of the largest credit card companies in the US, 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
No Fees

Cons

No debit card
No check scanning

American Express National Bank at a glance

9.2

Editorial score

Fees?

No fees at all

10.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

10.0

Customer service

24/7 service with multiple communication options, dedicated fraud team

10.0

Online experience

User friendly site with full online banking capabilities

8.0

Mobile experience

User friendly mobile app that offers most mobile banking features, may not be available on all devices

8.0

Advantages Over Regular Banks

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

If you’re looking for a way to save money through online banking, has a lot to offer. Their high-yield savings account currently comes with a 4.30% APY (as of Sep 29th 2023).

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.

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. The online banking portal also supports recurring deposits, making it easy to move money between your accounts.

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 and checking accounts, but you cannot move money between them. Withdrawals take one to three business days, but that still requires some advanced 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 4.30% in APY (as of Sep 29th 2023) , and there aren’t any fees or penalties for withdrawals.

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, automatic session timeouts, and unique personal security keys, you’ll have everything you need to help 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.

This review was prepared by BestMoney.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.

Written by

Alex 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.‎

Trustpilot reviews

See what some customers are saying about American Express National Bank

Poor

•

Reviews 3,657

Excellent

15%

Great

Average

Poor

Bad

76%

claudia emsdetten

5 days ago

Bin seit 2013 Mitglied und bisher…

Bin seit 2013 Mitglied und bisher BESTENS zufrieden. Kann die negativen Erfahrungen nicht nachvollziehen. Aber wenn man sich die anderen Anbieter anschaut sieht's nicht besser aus bei den Bewertungen. Sind oftmals abgelehnte Klienten oder Leute mit schlechter Zahlungsmoral. Da muß man dann seinen Frust irgendwo loswerden.

birgit shop

20 hours ago

Amex travel booking experience

Actually, I do not even want to give one star. I had the worst experience booking a flight using amex website. I called up before , asking for help, was told to go on the website to book my ticket, long story short, I made a mistake and got the wrong ticket. Called amex immediately, seeking assistance to rectify the mistake .. At this time my tickets was still pending and not gone through, they tell my to use the online helpdesk chatt, but no one was there to chatt with . Service is appalling Now I am left with having to pay a fine only because they had no staff to deal with it at the time of incident which was Friday night, had to wait till Monday before I could race my issue, had to wait 3 more days, for nothing, while they dealt with it. I am left with having to pay, for there incapable handling of the situation, while there was still enough time... I keep myself short, it was really very bad experience, I suffered a lot of stress and anxiety. Never ever I will buy any ticket for anything from American express ever. I also will not renew my membership. I use a credit card from Revolut now which offers many benefits, so fahr I had no issues with them, time will tell. In the old days, Amex was really fantastic, bud sadly time hase changed, so good by to amex

azzdrago

a day ago

Service client Incompétent/Financier

Service client Incompétent, service financier 7 sur 8 qui m'ont mal renseigner, dont une fiable, qui m'a souhaiter d'aller autre part que americanexpress. Après un blocage, une revue financière sur mon compte est rien de grave. Ah oui.. sauf que ma carte envoyer est déjà bloquer pour raison X. Total je dois attendre 5 ans pour avoir une americanexpress. D'ici là j'aurais je serais déjà passer par un autre organisme que amex. Dommage. Si pour vous amener des clients et de ne pas les accepter c'est votre politique, eh bien faite votre pire. Pire expérience depuis que j'ai souscrit.

stelvio cavanna

2 days ago

incompetenti

incompetetenti per fargli un complimento e incoraggiarli

manuel ricominciodazero

2 days ago

Deluso di un rifiuto da già cliente

Già cliente con Amex Carta Blu soddisfatto della scelta, vengo contattato dalla direzione commerciale telefonicamente che come cliente già conosciuto mi viene proposta in offerta la Carta Oro in Metallo che con vantaggi maggiori rispetto alla carta Blu decido di aderire firmando il contratto online in linea insieme all'operatore. Oggi dopo una settimana dal contratto decido di chiamare il servizio clienti chiedendo a che punto fosse la mia richiesta e con mio stupore mi viene riferito che il sistema ha bocciato la mia richiesta e che la carta non mi è stata concessa. Ho chiesto motivo di tale scelta mi è stato chiarito che non ci sono segnalazioni negative ne interne al loro circuito ne esterne in altre banche dati ma il sistema decide in base a dei parametri che neppure l'operatore ha saputo spiegarmi. Che dire rimango fortemente deluso dalla scelta di Amex di non concedere la carta soprattutto perchè non sono stato io a richiederla ma loro stessi a propormela come già loro cliente. Che dire.. misteri delle banche che non capirò mai che parametri usano per le loro scelte visto che ieri andavo bene oggi no e domani chissà.

tina

3 days ago

SAVE YOUR MONEY! SWITCH TO VISA

So upset with this credit card company!! We've been their customers for 26 years!! Never filed any disputes Recently purchased with the fake Chinese company who shipped completely different products to us and Amex took the side of the counterfeit Chinese company and refuses our dispute!! What a horrible experience! SWITCHING TO VISA NOW!

pete brumfield

3 days ago

Wokeism

Your decision to reduce a line of credit for Mike Lindell My Pillow reeks of wokeism and political correctness. I have had accounts with you for 40 years and will never open another account with you. I will do my best to make sure friends and family follow suit. Poor decision!

cafe ceramico

3 days ago

More hassle than its worth

We signed up for the Amazon Business Prime American Express card a couple of months ago. After jumping through hoops (I have never met so much bureaucracy in setting one up), I managed to set up a direct debit. I changed the direct debit from minimum payment to pay off the balance each month on the website and everything looked good to go. After the first payment was due to come off I got a call for Amex credit saying that my bank had refused the direct debit. After wasting a lot of time I established from my bank that Amex had actually cancelled the DD. I paid the balance off with assurances from Amex that everything was now sorted out. This month, surprise surprise, Amex credit phoned me again to say that my bank had refused the direct debit. I was on holiday and spent the next hour establishing that Amex had never reinstated the DD. After now being called a 2nd day in a row by their credit team to say my bank had refused the DD I am in despair as they don't listen or understand. I have spoken to 2 different members of their customer service team to explain the same thing and am waiting for a call back. The time I have spent on this is just too much hassle and will be cancelling the card.

declan

3 days ago

Card Expired, not delivered and AMEX dont bother to tell me

So I need to travel this week and noticed my AMEX card had expired since April. I call AMEX customer service who immediately tell me that they tried to ship my card to my office address and the card was returned as not deliverable. This is expected as my office moved. However AMEX did not make any contact to a) notify me my card was expiring b) notify me that they were unable to deliver my card despite the rep being able to see that as soon as she looked at my account Worse again they tell me it will take 7-10 days to ship a new card. AMEX need to wake up and move into 2023 with better customer experiences.

mark b howe

4 days ago

Trying to add another company employee for a card

After three times contacting AE, I have given up! The first time I was told all set and expect a card in 10 days. No Card in three weeks. I need to call. Oops I was told, they needed some more information, it was given ( no explanation why they didn't contact me). I was told all set. Two weeks later, another call is made (from me). Oops, they forgot one question, I answered it but they needed to start from the beginning. I had been on hold for 9 minutes. I've been a member since '91. I give up. Canceling AE completely.

name

4 days ago

Mich hat es nun auch erwischt

Mich hat es nun auch erwischt. Ich habe seit Mai die Payback Amex und habe die ganze Zeit ohne Probleme damit zahlen können. Vor zwei Wochen habe ich mir dann die BMW Card geholt. Eine Woche später wurden mitten in der Nacht beide Karten gesperrt. Einen Tag später kam eine E-Mail, dass ich die Kontoauszüge der letzten zwei Monate einreichen soll. Ich finde dieses Verhalten seitens Amex sehr befremdlich und werde jetzt selbst kündigen. Ich brauche eine Karte, auf die ich mich verlassen kann und nicht willkürlich gesperrt wird.

liz hickson

5 days ago

Poor fraud investigation by AMEX - D-50778353

I've been an AMEX customer for 5-6 years. I recently reported a payment to a beauty salon in London that I've never been to. Simultaneously I was using my card whilst on holiday in Cumbria when I was on holiday. Whilst away I was using the physical card, as I allegedly used it with the Chelsea Green Salon in SW London. AMEX have sent me a copy of the payment details (to Chelsea Green Salon - i.e. the disputed payment) and claim their investigations are over. I called the AMEX fraud department today and asked them to explain how I could be using the physical card in Cumbria and in London at the same time. There is only one card linked to my account. They couldn't give an explanation for the London and Cumbria expenditure (and it really is impossible for me and my card to be in two places at the same time). Today, I asked AMEX if I needed to call the police - I have an extremely strong paper trail of being in Cumbria at the time of the disputed transaction in London, and was also happily spending on my card in Cumbria. AMEX have asked me to give them two more weeks to investigate as they've reopened the case. However, I just feel the way they've looked into this is utterly incompentant given my expenditure in Cumbria. So anyone who reports an unidentified spend on their AMEX card - beware! AMEX also failed to send me a form to complete (which they said would be sent to me within three days) when I originally phoned to report the matter (two weeks ago).

michal sawicki

5 days ago

Kreditkarten sind nur für Deutsche

@Sven Freund schick mir bitte SMS unter 0151 543 558 47 . Ich wurde auch durch AMEX schlecht behandelt Amex DE- they will have much problems due to discrimination of foreigners. AMEX DE = only for Germans , AMEX AT = only for Austrians

julie ann alicea

6 days ago

Poor Customer Service

I had a credit card for a year and called in one time for clarification of a fee and a request to remove fee. It was my first and only call to Amex. The representative was unhelpful, completely disregarded my request and made me feel like I had no choice but to cut ties with Amex. The reason my account my was not eligible was because of the "spend account limit". My balance was paid. Honestly it was not a good interaction and the representative became pushy and rude. Horrible customer service.

dinesh bhalla

7 days ago

I have been with American Express for…12 years

I have been with American Express for 12 years. They always favor the merchant, Finally shutting down all business' credit cards.

shirley wise knapp

7 days ago

No forgiveness for late fee caused by hurricane Idalia.

As hurricane Idalia had knocked out power to our town for several days, we left the area Sept 1. When we returned Sept 20, I noticed that I had an overdue Am Ex invoice which was one day overdue. My invoice was for $40, I have an excellent payment history in the 8 years I’ve had Am Ex card. I spoke to two customer service reps and both said they could not forgive the late fee of $40. So I’m paying $80 for a $40 charge even though my payment history is great. Unbelievable. Not happy.

philippe proust

7 days ago

Gros problèmes de sincérité quand on…

Gros problèmes de sincérité quand on vous vend la carte : on vous annonce pouvoir faire des retraits d'argent, en oubliant de vous dire que c'est seulement au bout de 6 mois... et que 2% de frais s'appliquent, en plus avec des plafonds très bas. L'honnêteté est un préalable à une entrée en relation client, c'est raté.

marisa prezzemolo

7 days ago

La chiuderò al più presto

La chiuderò al più presto, è una carta inutile, non accettata da troppe attività, con la conseguenza che devi per forza avere una mastercard con te... Non ci puoi fare benzina, non la accettano nei negozi, alla fine posso solo farci la spesa all'Esselunga! Per non parlare dei prelievi... 300 euro in tutto! Ma se non la posso usare da nessuna parte, almeno date la possibilità di prelevare! Ora devo fare un viaggio e ho già visto che l'hotel non accetta amex, i benzinai non accettano amex, probabilmente nemmeno i ristoranti dove andrò accettano amex, posso prelevare solo 300 euro... Ma che ci faccio con questa inutile carta? E intanto il plafond da 1500 euro è li a far niente.... Per fortuna il plafond è pieno, così la chiudo e mai più amex!

simon ausch

9 days ago

Not Honest

My due date was on a Sunday and I paid on the next day, and I called in the associate to see if they could waive the fee and they told me to first pay my bill which i did, and then he told me that he cant do nothing to waive the fee

barbara puggioni

9 days ago

DELUSIONE PROFONDA

Azienda che millanta professionalità ed efficienza e, in effetti, per quattro lunghi anni aveva dimostrato di esserlo. Dopo aver avuto regolarmente l'addebito della carta platino in data 19/09 scopro che la carta- sempre esosamente pagata con tutti i canoni del caso- non è operativa. Chiamo il servizio clienti, sempre molto cortese. In primis, mi spiegano (DOPO 5 ANNI) di non effettuare trasferimenti di denaro da PAYPAL (mi chiedo a cosa serve avere una carta se non posso trasferire fondi ai familiari o ad associazioni benefiche), in secundis, mi dicono che ci vogliono sette giorni per regolarizzare l'addebito della carta in azienda ( è la prima volta che mi accade in tanti anni..). In sintesi, la carta non è operativa e- dovendo partire- totalmente inattiva a qualsiasi scopo. Riflettete prima di prenderla...eventualmente

luis silva

9 days ago

Horrible service and customer service.

Horrible service and customer service. Customer for over two decades and the worst card experience ever

maurits van moort

9 days ago

Prima kaart en prima service

Prima kaart en prima service, minpunt is wel kaart kan je maar op beperkt aantal plekken gebruiken + erg vaak moeten bellen omdat de kaart niet werkt (word wel elke keer netjes opgelost)

christian kleinhempel

9 days ago

Vorteil:Man zahlt keine Gebühren

Vorteil:Man zahlt keine Gebühren. Bei Verdächtigen Zahlungen von höheren Summen meldet sich der Support sofort. Man kann Punkte sammeln. Nachteil: wird nicht überall akzeptiert Ich finde die Amex Karte sehr gut

sven freund

9 days ago

Kriminelles Geschäftsgebaren

Ich besitze eine Amex Karte über den Arbeitgeber. Ich wollte dazu eine Lastschriftermächtigung einrichten, damit ich mir die Überweisungen spare. Über den Amex link das Formular ausgefüllt, unterschrieben, gescannt und per pdf an die angegebene Adresse geschickt. Antwort per Brief von Amex: Ich solle das Fomular ausfüllen und zuschicken. Anruf bei Amex: "Von Ihnen haben wir keinen Antrag auf Lastschrift." Ich frage: "Warum hat Amex mir dann den Brief geschickt?" Keine Antwort mehr in der Leitung... Ich das Formular erneut ausgefüllt und abgeschickt. Brief von Amex: "Lastschrift konnte nicht eingerichtet werden, weil Kontodaten falsch." Das ausgefüllte Formular liegt mir im Original noch vor. Alle Daten sind richtig und korrekt eingetragen. Ich rufe bei Amex an. Ich soll das Formular nochmal einreichen. Ich: "Die Daten sind korrekt ich kann nur das gleiche nochmal einreichen, Sie müssen mir sagen was falsch ist." Reaktion: Aufgelegt, danach Amex unter der Telefonnummer von meinem Handy nicht mehr erreichbar. Fazit: Die Firma lügt einen am Telefon an. Warum die keine Lastschriftverfahren wollen kann ich nur vermuten, da dann der Ausgleich des Kontos automatisch erfolgt, macht Amex dann keinen Umsatz mehr mit den nicht unüppigen Zinsen. Für mich ganz klar kriminelles Geschäftsgebaren. Keine Erreichbarkeit, kein Wille dem Kunden zu helfen.

marc

10 days ago

Just another negative review

Just another negative review. Tried to sign up for a card, kept asking me for documentation, which I kept sending. They seem unable to read emails and understand that it's impossible to share what they were asking. Ultimately it wasn't worth my time and effort and ended cancelling my application. Never again!

muhammad

10 days ago

Excellent Customer Service with dedicated staff!

I have been genuinely impressed with the customer service and the fraud prevention team! I recently had an experience where a friend accidentally used my card which was saved on their account and after I declined it from my end, I thought that was the end of it! I later received a call from the Fraud and Prevention team who showed genuine care and concern for my account & transaction such that they went out of their way to contact me to verify what had happened, whether my card was safe and if I needed anything! Never before have I had such a wonderful experience where such care and concern has been shown! Excellent staff who were just so warm and welcoming!

10 days ago

Résiliation du compte par téléphone…

Résiliation du compte par téléphone avec un membre du service client, tout se passe bien jusqu'à 1 an plus tard quand j'apprends qu'ils n'ont pas procédé à la clôture et que je leur dois une cotisation. Depuis lors, je suis en litige contre eux pour cette pratique frauduleuse qui trompe le client. A fuir!

des m

10 days ago

Avoid

My experience of the service from this business is poor. Very long delays to queries and bureaucratic processes. They also do not treat complaints as complaints and when resolving complaints are poor. I agreed to a settlement to a complaint and am still waiting 3 months later.

lylou g.

10 days ago

Après plus de 4 ans d'utilisation de ma…

Après plus de 4 ans d'utilisation de ma carte, on me demande de mettre à jour mes informations et de justifier mon domicile... soit j'exécute! aujourd'hui impossible d'utiliser ma carte sans en avoir été avertie préalablement... raison :... le justificatif de domicile ne leur convient pas, il est au nom de mon mari! le téléphone est payé par mon entreprise, donc pas valable... du coup comment fait-on....? et bien on ne fait rien! c'est comme ça! Bravo, quel service client au top!

natasha

11 days ago

Scammers and liars

I cancelled my card due to ridiculously high interest rates. Got told I wouldn’t be charged interest if I paid my full balance by the due date. I pay it all off by the due date. Now I log in to find theyve charged me interest! If I hadn’t checked I’d be in debt for interest I don’t even owe! Do not go with this scamming company

fabienne rosenberg

11 days ago

Je suis mitigée avec cette société.

Je suis mitigée avec cette société. Les frais sont élevés , mais la carte est pleine de garanties.

jairo iglesias

11 days ago

Terrrible servicio desde el primer día.

Terrrible servicio desde el primer día. .- Envían la tarjeta, no saben donde está. A los 14 días envían otra. Llega la primera, que no sirve porque ya han enviado la segunda. etc. Y eso sí, pagas desde el día que envían la primera, aunque acabes activando la segunda 20 días después. .- No es crédito. Es un algoritmo que usan según tus gastos. así que olvídate de tener una cifra. el primer mes quise hacer cargos de 300 que no me permitían. LLamé varias veces para que me aceptaran cargos. Me los aceptaban. y al llegar a pagar, denegados. Perdí el poder hacer 3000 euros de gastos el primer mes con estas cosas. .- atención al cliente, con una tarjeta en la que pagas 65 euros al mes es lamentable. Horarios cortos. Si tienes un problema un vienre spor la tarde, hasta el lunes a las 9 de la mañana y después de 30 minutos de espera telefónica no esperes que lo solucionen. si lo hacen. .- El día 7 se me cerró el ciclo de facturación. Enviaron al banco el recibo el día 10. Y me dicen que hasta el día 24 no voy a poder utilizar la tarjeta y pagar un vuelo de 150 euros porque el banco aun no ha notificado elc obro (cuando a mi me lo cobraron el 13), por lo que la mitad del mes (aletatoriamente me dijeron, no es siempre así) no puedes usar la tarjeta. .- Y sí. Probablemente tiene muchos beneficios extra como las salas vip de aeropuertos, puntos...etc...pero si cada vez que quieres hacer un gasto es un sufrimiento, y acaba implicando 1 hora de teléfono y 3 llamadas no compensa. Totalmente decepcionado con una tarjeta que no es gratuita y tiene un coste de 65 euros al mes. Si quieren tener una tarjeta preferente, deberían cumplir ellos también con cosas mínimas. American express no compensa.

j. t.

12 days ago

It’s a 20s IT system, customer service is terrible and contradicting each other

20th century bank

kerstin

12 days ago

Selten eine so unseriöse Bank erlebt

Ich habe 1,5 Jahre problemlos mit meiner Amex zahlen können und habe die Abrechnungen ohne Komplikationen beglichen. Aufgrund meiner guten Erfahrungen habe ich mich dann entschieden, zusätzlich eine Platin-Karte zu beantragen. Das wurde auch alles von Amex genehmigt und die Karte kam zeitnah an. Nur knapp zwei Wochen und keine 300 Euro Umsatz später, sperrte Amex mir beide Karten kommentarlos über Nacht. Man hätte festgestellt, dass eine genauere Prüfung nötig sei und ich möge bitte Kontoauszüge einreichen. Ich bin ehrlich gesagt sprachlos, dass ein Unternehmen so mit seinen Kunden umgeht. Wurde überhaupt eine Prüfung bei Antrag vorgenommen? Wie kann es sein, dass keine zwei Wochen später eine erneute Prüfung angefordert wird? Wie kann es sein, dass ich vorher ohne Probleme mit meiner anderen Amex zahlen konnte, Amex jetzt aber aus heiterem Himmel Bedenken hat? Wie kann es sein, dass bei einem so teuren Premium-Produkt keinerlei Kommunikation stattfindet, sondern die Karte einfach über Nacht gesperrt wird und man im Kundenkonto nur auf die Hotline verwiesen wird? Kurzum: Bafin-Beschwerde ist auf dem Weg, persönliche Abwägung sämtliche Karten bei Amex zu kündigen läuft gerade.

andrea cataldi

13 days ago

Truffato e pronto a denuncia

Truffato e pronto a sporgere denuncia... Dopo 6 anni che continuo a ricevere addebiti per una carta che non ho mai ne ricevuto ne attivato, ho deciso che sporgerò denuncia. Il servizio clienti e reclami mi ha risposto tramite mail che sono soggetto al pagamento di 75 € anche per una carta di cui non sono in possesso. Per chiunque ne abbia una tanti auguri al momento in cui cambierete carta...

jack tomlinson

13 days ago

DO NOT SIGN UP TO AMEX!

I don’t normally leave reviews but I feel like Amex deserve one. I’d give a zero rating if I could. Long story short, I signed up to Amex, they game me a £1200 credit limit. I used £350 of that over a few months. They then blocked my card, closed my account, and passed my debt to a solicitors firm without notice. I’d made regular payments each month, no problems there. This solicitors firm are just as bad. I couldn’t use my phone for a couple weeks as the speaker was damaged, I emailed this firm for 2 weeks and just received automated responses. I then get a letter through the post threatening me with court action. Scum of the earth these people, so I just paid them the £300 all in one to stop this threatening behaviour. Do not use AMEX whatever you do. There’s plenty of decent credit card companies out there, just avoid AMEX. Scum.

manuel stasi

14 days ago

Se potessi metterei zero stelle

Se potessi metterei zero stelle. Titolare da anni di carte, tra oro, corporate e payback, pagamenti puntuali e precisi da sempre, mai sgarrato, stipendio fisso e sicuro, pago canoni profumati per la oro, e sapete cosa fanno? Nel bel mezzo del mio viaggio, durante le meritate vacanze, mi bloccano tutto lasciandomi nei guai su un'isola. Superamento soglia di spesa standard secondo le abitudini. E grazie, sono in vacanza! Fra gite alberghi e autonoleggi… non vogliono sentire ragioni. Supporto scortese e arrogante, non hanno risolto il problema. Mi hanno costretto a preoccuparmi di fare bonifici, traferire denaro anziché godermi le vacanze con la mia carta oro, che a loro dire è senza limiti. Vergogna, nessun altra compagnia mi ha mai trattato così. Bugiardi e arroganti, bloccano senza validi motivi e per cifre minime. Inaffidabili. Toglierò ogni carta con loro, che in tutta onestà quasi nessun esercente accetta. La pago cara io e la pagano cara i commercianti. Non vi consiglio assolutamente American Express.

k.taylor-wil

15 days ago

American Express hurtful to Small business

A couple of months ago I opened an AMEX account in which I had to turn in bank statements, other documents, etc. I recall thinking that this was quite a documentation. As my business started to thrive later this year, I created more American Express sub-accounts. Located on my Amex dashboard, is a send pay link and create invoice. I created an invoice and sent it to my client for payment. Four days later, my client paid the invoice. Since receiving the funds from my client, it has been a horrible, experience with American Express as a small business owner, it has been a horrible disaster with AMEX regarding a payment that is under this 10,000. They sent me an email regarding needing additional information to accept the funds. Specifically, they requested needed an invoice for the amount (mind you, I had created an invoice in the Amex system), and an email from my client stating the amount they were paying my company!!! and a shipping label (mind you, I do consulting work and government contracting). So, to comply I had to create an invoice in my Quickbooks (which I would have to later delete) and send it to the Blueprint team. The next day they sent me another notice via email the next day requesting additional information, Most recent bank statements, Tax Returns, and State IDs. The American Express representative continued to explain to me that it was because my account was so new. I responded and said, I wish the system would have prompted me regarding all this drama and why I have to revalidate my business in order to receive a payment from my client. I never had this hassle with deposits with United Bank, or Capital One even with amounts over 15k, I have only experienced a hold on the money, which I totally understand. American Express is hurtful to a small woman-owned business! So regretful that I have this account.

linda west

15 days ago

Website constantly down

Their website has been down for over a month (whenever I try to login or use their app I get an error message saying "Our system is not responding, please try again later"), so there's no way to make payments online, only over the phone. Why hasn't it been fixed yet??

thomas du

15 days ago

Je comprends pourquoi qu'il y a…

Je comprends pourquoi qu'il y a tellement des avis négatifs. Client depuis 1an, j'étais bloqué deux fois pendant 5 jours sous prétexte que le problème informatique. En effet, ils ont eu le retard de prélèvement sur mon compte. Pourtant j'ai toujours prévu la somme nécessaire pour payer la facture. 1 an d'ancienneté, ils ont décidé de bloquer mon plafond à 2000€ car ils trouvent que je ne gagne pas assez d'argent. Toutefois, les choses ont été évalué, ils n'ont pas essayé de connaitre ma situation financière. D'ailleurs, j'ai toujours bien payé mes factures, cela signifie le manque de confiance à leurs clients. Ce qui est contradictoire, c'est qu'AMEX propose un plafond évolutif en fonction des dépenses de clients et le paiement de factures. Dans ce cas, il est injuste de définir mon plafond à 2000€. Doit-on garder cette carte qui n'est pas fiable ? je ne vois aucun intérêt.

ceroni gianguido

15 days ago

Cliente ventennale

Cliente ventennale. Carta cancellata per non avere inviato i dati richiesti ( almeno come motivazione ufficiale) in realta’ inviati gia’ 3 mesi prima. Davvero una grande mancanza di serieta’

matteo

15 days ago

Cliente da 11 anni mi trovavo in…

Cliente da 11 anni mi trovavo in vacanza all'estero e scopro il 23 dicembre che l'addebito in banca non è andato a buon fine per, reggetevi forte, meno di un euro, direte voi colpa tua che non hai controllato ed avete ragione ma il seguito rasenta il limite della follia. Resomi conto del problema chiamo segnalo il problema e mi dicono ma non si preoccupi faccia subito un bonifico e tutto andrà a posto e così faccio. I primi di gennaio, dopo aver saldato tutto ed aver ripreso ad utilizzare regolarmente la carta, mi scrivono per dirmi che hanno limitato, per sei mesi, le mie carte a 3500€ per la platinum e 1500€ per la gold. In soldoni pagherei 900€ all'anno per due carte con plafond medio di Nexi che al contrario costa, con i servizi assicurativi 200€. A differenza di molti non ho protestato ho continuato a pagare tutto regolarmente facendo la massima attenzione e dulcis in fundo a Maggio mi scrivono che prorogheranno i limiti fino a novembre, non si sa per quale motivo ma continuo a rispettare la loro decisione per vedere fino a dove arrivino. Continuo a starmene zitto perché non ho voglia di litigare con un addetto del servizio clienti che conta come il due di briscola e non ha potere decisionale ma scopro di poter avere praticamente tutti i servizi della platinum spendendo meno e senza tante paturnie con un altra banca con cui ho già aperto un rapporto. Adesso attendo il saldo di questo mese per poi chiamarli e chiedere l'annullamento delle mie carte e aspetto con estrema gioia il momento in cui, forse, mi porranno la fatidica domanda sul perchè voglia chiudere le carte per mandarli beatamente a "quel paesello" invitandoli a vendere i loro prodotti con benefits e altri amenicoli a chi vorrà farsi bello con una carta in metallo che al giorno d'oggi offrono più o meno tutti, compresi i servizi a prezzo nettamente ridotto. Per concludere in 11 anni di anzianità non posso dire che i servizi non siano buoni che l'assistenza non sia all'altezza ma certamente la gestione del rapporto con il cliente è assai deficitaria soprattutto con coloro che hanno redditi alti e spendono molto e verso i quali Amex, se volesse potrebbe effettuare verifiche più approfondite in merito all'esistenza di risparmi o alla complessiva condizione economica familiare, che invece sono totalmente assenti. Per quanto mi riguarda vedo il servizio in grande declino e valuterò in futuro se rientrare qualora potrò leggere di sostanziali miglioramenti nella gestione.

markus

15 days ago

Halten Werbeversprechen nicht ein

Habe dort eine Kreditkarte bestellt, als sie mit einem Payback von 7,50 Euro je 100 Euro Umsatz warben. Die Umsätze (über 500 Euro) habe ich getätigt, aber sie haben nur ein mal die 7,50 Euro erstattet. Ich werte das als Betrugsversuch und erwäge derzeit eine Strafanzeige gegen dieses Unternehmen. Anrufe dort laufen ins Leere, die Mitarbeiter sind extrem unfreundlich und inkompetent. Ein Rückruf wurde mir versprochen, wozu es ebenfalls nicht kam. Von einer Geschäftsbeziehung kann ich nur abraten.

16 days ago

Amex Platino

Amex Platino - Ottima Carta, cliente dal 2013 Davvero ottima carta, servizio clienti sempre disponibile e cortese, davvero impeccabile! Dopo i primi mesi di reciproca conoscenza, il plafond diventa elevato. Mai avuto nessun tipo di problema (anzi, in viaggio mi hanno risolto diversi problemi!). Se vuoi provare la Carta Platino approfitta di questa promo: €720 di sconto Shop with Points, da richiedere con i 180.000 punti Membership Rewards® che riceverai raggiungendo €4.000 di spesa con Carta Platino nei primi 3 mesi dall'emissione. Usa il seguente link: americanexpress. com/it-it/referral/mARCOFb3Zs?XLINK=MYCP (togliere lo spazio dal link prima di .com) Offerta valida dal 7 settembre al 10 ottobre 2023.

nick sandrelli

16 days ago

Cliente da 18 anni

Cliente da 18 anni! Mi hanno messo limite a 600 euro al mese assurdo! Con la gold credit questo mese vedo ricevermi un messaggio di mancato pagamento della rata causale? No fondi sul conto! Quando il conto era strapieno oltre 20000 euro. Fanno spesso così come scusa per limitarti le spese..ma allora a che serve pagare 240 euro di canone annuale. Operatori molto scortesi e maleducati parlano sulla tua voce e vogliono sempre avere ragione loro. Questi succhiano solo soldi di canone e tengono a bada le persone..I platfound sono una truffa, tassi di interesse allucinanti da strozzini. Ne ho 3 il mese prossimo estinguo le spese e me le tolgo. Ho tante carte mastercard e visa mai avuto questi problemi. Queste carte sono per quelle persone che amano apparire..pensavo fossero una comodità ma 600 euro di limite mensile altre carte le danno a un ragazzino di 18 anni. Io quasi 20 anni di cliente sempre pagato tutto..e ora sta storia. 240 annuali aggiungeteci canone bancario e spese di altre carte..ma Conviene usare contanti..ha dimenticavo per ogni 80 euro spesi pagate 2 euro di bollo tassa..oltre al canone annuale della banca e della carta 240 euro. Io penso che un vero professionista dei tempi moderni le spese deve abolire e nn crearle perché? Perché si può stare più comodi con i propi soldi.

eva jannotti

16 days ago

Dopo 30 anni lascio American Express

Un hotel mi addebita per errore (non c'era la penale) la bellezza di 9mila dollari. Booking si scusa e mi rimborsa subito via American Express (Platino!) ma Amex invece no: si tiene i soldi. Ora ho un credito di 9000 dollari, che posso persino spendere come voglio! Davvero... l'unico sistema di pagamento AL MONDO in cui paghi prima di spendere. Vergogna...

salvatore

17 days ago

La serietà di una azienda universale

La serietà di una azienda universale ? A novembre 2023 ho preso una carta blu american exspress payback , parto in viaggio e si blocca dicendo che il limite di spesa era superato , quindi non possiamo riprendere le macchine a noleggio un disastro , mi sono dato colpa che ero un buon cliente quindi era anche normale che poteva andare in blocco , ma a distanza di un anno mi mettono il limite di spesa alla payback e alla carta oro proposta da loro perché ero un buon cliente mi sembra assurdo . Salderò tutto e le chiudo siete poco seri .

flor

17 days ago

Esperienza servizio clienti peggio di…

Esperienza servizio clienti peggio di cosi non si può!! Servizio per prenotazioni hotel, tutte le cose offerte al arrivo in hotel non ci sono!! Una fregatura!!

paolo frontoso

18 days ago

CHIAMANO SENZA AVERE CONSENSO PRIVACY

CHIAMANO IN AZIENDA SENZA AVERE IL CONSENSO SULLA PRIVACY. QUANDO GLI VIENE CHIESTO DOVE HANNO REPERITO I DATI NON SONO IN GRADO DI DARMI RISPOSTE

orlando _

18 days ago

Your bills are always safe

when u need ur money earnestly, Amex always gives a helping hand btw, their support reps are stunning many thanks!

18 days ago

Amex and Discover are worst

Worst credit company alongside discover. Stay away from both of these companies. They are unfit for lebding business. They reduce your credit limit for no reason. Always made payments on time

khaled abbas

19 days ago

I do not trust them a bit!

I run an e-commerce business and received an urgent bulk order from a big client. I needed to charge my AMEX card to pay the supplier for the inventory. The amount exceeded my AMEX limit. I called AMEX multiple times to ask about the best way to make that happen, multiple reps gave me conflicting opinions about it. The last rep I spoke with was super confident and said a wire transfer is the best way. I told him "I need to make this order today, its urgent, this is possible?". He said yes this is your best way to make it happen quick. I told him "This is really important, whats your confidence level?" and he answered "10/10 sir, I have been with AMEX for 10 years and we always do this". Then I double checked "I don't want to do this and end up chasing the wire transfer, this is urgent and I don't have time for that" and he gave me the absolute confirmation that wasn't going to happen. That's exactly what happened!! It's been two weeks that I'm chasing the money and we don't see it in my account yet. Not only that, everyday I called AMEX multiple times, and everyday they promised me a solution or a phone call, and they NEVER followed through!! I'm serious, every single time they didn't call or follow through! I'm still chasing and it has been absolutely low grade and disrespectful they way they handled my case! I'm moving away from them as soon as possible and never looking back!

h rahimbaksh

19 days ago

Niet aan te raden

Je kan beter andere kaart gebruiken als je in nood zit is dit kaart heel slecht

jessica hall

20 days ago

stay away from cards with annual fees! SCAM

I signed up for the marriot bonvoy Amex. I pay a $120 annual fee and had to spend $3000 within 3 months to qualify for my bonus. I did exactly that - Amex applied the bonus points to my statement but their is a disconnect with Marriot Bonvoy and those points are lost and have never reached my account. Both Amex and Bonvoy are entirely unhelpful and refuse to communicate with each other to resolve this situation. Now I have spent thousands of dollars and paid an annual fee for a card with no perks when I could have gone to another travel card and actually received the bonuses in exchange for my services. I am being scammed.

mickael

20 days ago

Karen heel heel slecht, kaar geannuleerd

Ik was tot 2 dagen geleden lid van American expres BELUX (Belgie). Al 2 maanden moet ik bijna wekelijks bellen omdat mijn kaart telkens geweigerd werd, klantenservice kon mij nooit aangeven hoeveel ik kon besteden. Na elke keer aan de kassa te staan met een geweigerde kaart belde ik met de klanten service en kon ik uiteindelijk de kaart gebruiken. Een paar dagen geleden was ik een paar dagen in het buitenland, zelfde verhaal in het hotel. Wederom gebeld met de credit afdeling waar ik een Karin/Karen aan de lijn kreeg. Karin zou het nakijken en terugbellen. 2 uur later nog niks… weer terug gebeld waarop ik een gefrustreerde Karin aan de lijn kreeg ik quote: “Meneer uw account moet eens grondig, maar zeer grondig nagekeken worden want wat u doet klopt niks van” ook had ik een dispute lopen (de mail beschreef duidelijk dat dat bedrag a €940 tijdelijk gecrediteerd werd dus ik alsnog zou kunnen besteden) volgens Karin klopt dit niet en zou ik maar geduld moeten hebben. Toen ik vroeg naar de resterende bestedings ruimte en waarom ik die niet kon gebruiken (€200) kreeg ik als antwoord “weet ik niet dat kan te maken hebben met de dollars) ik was in Europa dus ik had niks te maken met dollars. Ik quote Karen nogmaals: “ meneer het is beter dat u een andere kaart gebruikt want zo gaat onze samenwerking niet verder kunnen, ik verbind u met de klantenservice daag” Vandaag krijg ik een mail dat inderdaad mijn dispute klopt en ze het bedrag definitief crediteren! Karin zou een training klantvriendelijkheid moeten krijgen en amex zou zulke mensen niet voor hun moeten willen werken heel heel heeel slecht! Ik heb de kaart inmiddels geannuleerd door deze ervaring.

max

21 days ago

mettere ZERO stelle

mettere ZERO stelle, non si puo' lasciare la recensione, peccato dovrebbero prevedere anche la stella negativa. Nulla è peggio di American Express, si tratti di Blu, Payback, oro, Platino, tutte insomma. Cliente ultraventennale mi hanno lasciato a secco con numerosi problemi accodati e il problema è che loro pretendono che ti debba ricordare se il rid è scaduto o meno. Nessun avviso, nessuna revoca del mio rid in banca, ma per loro era scaduto, non hanno effettuato gli addebiti e mi hanno iscritto al crif. Per rompere i c..... pubblicitari invece si fanno sentire ogni giorno. Chi lascia più di una stella o ci lavora dentro e pagato per una recensione positiva o ha sognato. D'altronde si evince da quanto esprimono, copia/incolla, vicissitudini reali = zero. Altra dimostrazione è la percentuale ad 1 stella. Mai più nulla di American !!!

henry huang

21 days ago

Worst customer service ever

Worst customer service ever! They will put you on the infinite transfer and infinite ring tone if they find out they are wrong and rather not deal with you.

steve

21 days ago

Useless, automated customer services

I have had an American Express card for many years but don't use it that often. Recently I made a mistake inputing the pin number. Understandably the account locked. The next time I used the card instead of contactless I was, expectedly, asked to put in the pin. Which I did successfully. The shopkeeper was then surprised to be asked by the automated till to ask for a verification signature, which I gave. I then received a snotty automated email telling me that 'as a courtesy' they had allowed me to make this last purchase and asking me to click on a link to 'verify my pin'. This sounded too much like a scam. So instead I went to the Amex web page, logged in and clicked to view my pin. I was asked for the memorable date but the format of the date was not specified. The attempts I made resulted in me being locked out, again, after putting in the right date but in an apparently unacceptable format. I then rang them. The call centre has an absolutely awful voice automated query system. After failing to grasp anything from it a human being eventually came on the line. They could not sort it out over the phone and just kept telling me to go back to the website. Result? An unusable Amex card.

accommodation party

21 days ago

EXTREMELY POOR SERVICE AND FAILURE TO RESPOND AFTER A MONTH

I have raised a number of issues with American Express on 12/07/23 and they responded. However, as the response was again inadequate i contacted American Express including CEO on 10/08/23. It is approaching another month without any contact from them so again today EXTREMELY POOR SERVICE FROM AMERICAN EXPRESS

chiara giustiniani

21 days ago

Carta disattivata in viaggio senza preavviso

#Ameeicanexpress: quella carta che ti molla in viaggio dall’altra parte del mondo, senza alcun preavviso, perché secondo loro hai speso troppo e quindi nel dubbio disattivano per venti giorni senza possibilità di appello. E saremmo pure platinum, eh. Follia.

jacques

21 days ago

arnaque

attention ils vous promettent des cadeaux en cas de parrainage mais ceci est faux rien derrière un chat inefficace et des promesses non tenues je déconseille fortement

sonia pastega

21 days ago

Purtroppo devo mettere ancora 1 stella

Purtroppo devo mettere ancora 1 stella In data 5 settembre 2023 doveva esserci l' addebito del mese di agosto,senza alcun avviso scopro che c' e' stato uno slittamento ,cosi' mi e' stato detto dall' operatore con cui ho parlato,ancora oggi 7 settembre non risulta l' addebito ,la voce automatica,chiamando l' assistenza risponde che ci sono stati dei problemi tecnici per gli addebiti,risultato sono in vacanza avere problemi di questo genere ,non mi sembra giusto ,la PAYBACK American express non e' ancora utilizzabile e l' addebito in banca avvenuto correttamente il 1 settembre . Ho parlato con un operatore stasera 7 settembre che non e' stato di alcun supporto ,anzi al quanto arrogante e maleducato . Sinceramente da American Express mi aspettavo un servizio diverso.

daniel

22 days ago

American Express will not do a proper…

American Express will not do a proper investigation involving scammers. All a scammer needs to do is provide a fake USPS tracking number and American Express will immediately close the investigation in the scammer favor. It doesn't matter if postal inspectors are involved, etc.. Bottom line: they protect scammers more than consumers.

22 days ago

Zuverlässiges Zahlungsmittel mit vielen…

Zuverlässiges Zahlungsmittel mit vielen Vorteilen, die negativen Erfahrungen kann ich nicht bestätigen.

tim

22 days ago

Bisher gute Erfahrungen

Trotz der ganzen anderen negativen Bewertungen kann ich bisher nur positiv berichten - ich habe die Platinum Card und habe bisher keine Probleme, die Karte ist auch online einsetzbar und bei mir überall hinterlegt, AppStore, Paypal etc. klappt reibungslos. Die Amex App ist übersichtlich und funktioniert. Alleine durch die Benefits lohnt sich die Karte finanziell für mich.

david maynard

22 days ago

As a small business employing 26 staff…

As a small business employing 26 staff and using Amazon we got a card for purchases that we have used for about a year or so, then out of the blue we get asked about a former member of staff that has had no connection with the Preschool for 15 years, because we could not supply her details we are now on stop and under investigation, best part no one will talk to us, never again.

jee siv

23 days ago

NEVER EVER go for AMEX Credit Card…

NEVER EVER go for AMEX Credit Card First of all it doesn't work in most of the places. Secondly they blocked without any information. Later they cancel the card and they don't have any valid reason.

jacob

23 days ago

Supriya Chowdhury from Global Customer…

Supriya Chowdhury from Global Customer Research & Solutions, did not uphold a complaint in relation to when AMEX changed to paperless bank statements, without the consent of the customer. AMEX used to be a company where they alway put the customer first, but as per Supriya Chowdhury response, it is clear that this is no longer the case. AMEX a big disappointment.

john warren

24 days ago

Scum bag company

I was on my way home from Lake Placid and found out that my mother-in-law passed away and went to her home to pay the last respects with my kids before the body was taken to the funeral home. The next day I called American Express because their application for Lowe’s home improvement is completely screwed up and does not function and found out that they charge me a $19 fee on a $20 charge for being one day late, I’m contacting the New York State, Attorney General’s office and the New York state bank information because this company is unethical considering that it was over a holiday weekend and we’re one day late. Do not do business with American Express and they admitted to me over 10 years of doing business, I had no late payments whatsoever.

fulvio perfetto

24 days ago

La carta peggiore …

Fate schifo ...con questa carta più spendi e più ti abbassano il limite ..non ti puoi fidare . è un sistema pessimo .io ho altre 3 carte e mi trovo benissimo , ho tre visa card e sono perfette .

24 days ago

American Express - oder eher lahme Ente?

Man sieht, dass sehr viele Kunden ähnlich schlecht behandelt werden. Meine Geschichte kurz und knapp: Meine Karte wurde im April 23 gekündigt. Mir wurde die Kündigung erst mitgeteilt, als ich beim Supermarkt keine 10€ mehr bezahlen konnte und bei der Hotline angerufen habe, was denn das Problem ist. Ende Mai wurde die Kündigung plötzlich aufgehoben (ebenfalls ohne mein Wissen) und eine neue Karte wurde mir zugestellt. Natürlich habe ich sämtliches Vertrauen in AMEX verloren, da auch die monatlichen Bezüge ständig geändert wurden. Mal waren mehrere tausend € verfügbar, mal nur € 750,00, ohne erkennbaren Grund. Nun versuche ich seit Juli 23 die Karte endgültig zu kündigen - schriftlich erfolgt keine Rückmeldung, telefonisch wird nur leer versprochen, dass man zurückgerufen wird. Die monatlichen Gebühren werden einfach weiter verrechnet, ohne eine vertragliche Basis dafür zu haben. Ich kann nur jedem raten, sich KEINE American Express zu nehmen. Der telefonische Support ist nichtsbringend, es gibt keinerlei Möglichkeit, schriftliche Beschwerden einzureichen (Kommunikationscenter ist eine Frechheit, man wird ausgeloggt sobald man eine Nachricht abschickt, die dann natürlich nicht verschickt wird). Ich werde, nachdem ich schon xx Telefonate geführt habe, nun eine Beschwerde bei der FMA (AT) einreichen. Dieses Vorgehen ist einfach nur dreist.

25 days ago

5 Star Customer Service

Been with Amex for over 5 years now. I have always found that their customer service is way beyond any other company in the service sector. If you have a problem they own it , and deal with it, and resolve it there and then, just one call, unlike most companies that don’t particularly care and pass you from pillar to post. Highly recommend, best decision I ever made was getting an AMEX

huaipo shih

25 days ago

Tried to apply for a Amex credit card

Tried to apply for a Amex credit card, got declined even though I have 900 plus credit scores. Tried to appeal and met the worst customer service ever, I would recommend all my families and friends to avoid them at all cost.

ncumisa schnapp

25 days ago

Amex Platinum - NO GO

Wenn es möglich wäre, würde ich Amex eine 0 geben. Ich habe im Oktober 2022 eine Amex Platinum-Karte beantragt und bin für 3 Monate in den Urlaub gefahren, wo wir weit über 20 000 € ausgegeben haben. Die Karte wurde jeden Monat pünktlich und vollständig bezahlt, aber im April 2023 erhielt ich ein Schreiben, dass meine Kreditkarte in 3 Monaten gekündigt wird - ohne jegliche Begründung oder Hinweise. Ich habe im September/Oktober 2022 eine Amex Platinum-Karte beantragt und bin für 3 Monate in den Urlaub gefahren, wo wir weit über 20 000 € ausgegeben haben. Die Karte wurde jeden Monat pünktlich und vollständig bezahlt, aber im März 2023 erhielt ich ein Brief, dass meine Kreditkarte in 3 Monaten gekündigt wird - ohne jegliche Begründung oder Hinweise. In dem Brief hieß es, dass ich meine Karte bis Ende Juli 2023 weiter benutzen kann, doch als ich einen Tag später versuchte, mit der Karte zu bezahlen, stellte ich fest, dass sie bereits gesperrt war. Amex hat weiterhin die monatlichen Beträge von meinem Girokonto abgebucht, obwohl die Karte einen Saldo von 0 hatte und gesperrt war. Wir riefen bei Amex an und schrieben einen Brief an das Risikomanagement in Frankfurt, aber wir erhielten nie eine Antwort, und die Mitarbeiter des Callcenters wussten auch nicht, warum die Karte gekündigt oder gesperrt wurde. Ende Juli 2023 riefen wir das Call Center an, um eine Rückerstattung der Gebühren zu beantragen, die von unserem Girokonto abgebucht wurden, und uns wurde gesagt, dass wir innerhalb von 3 Wochen eine Rückerstattung erhalten würden - jetzt ist September 2023 und es gibt keine Rückerstattung. Als wir heute das Callcenter anriefen, um uns nach der Rückerstattung zu erkundigen, wurde uns gesagt, dass es keinen Hinweis auf eine Rückerstattung gibt und wir einen Brief an die Hauptgeschäftsstelle in Frankfurt schreiben sollten - dieselbe Hauptgeschäftsstelle, die nie auf den Brief mit der Bitte um Gründe für die Kündigung der Kreditkarte reagiert hat. Amex ist ein No-Go und ich würde es niemandem empfehlen, nicht einmal, wenn es die einzige verfügbare Kreditkarte wäre.

ray deed

25 days ago

Dont go near them.Customer service…

Dont go near them.Customer service useless.One day both our cards were blocked without any explanation.Meant card declined at checkouts,auto payments stopped.Hard to straight answers out of them.Arrogant greedy corporate.Going back to our old card.👍

normalo

a month ago

Kundenfeindlich

Der Verfügungsrahmen ist dynamisch und lässt sich bis zu drei mal täglich in der App prüfen. Nach anfänglich 30.000 EUR Verfügungsrahmen und immer problemlos per Lastschrift bezahlten Monatsrechnungen lässt sich nicht mal mehr der Minimalbetrag von 10 EUR bezahlen. Nicht nachvollziehbar wenn man an der Supermarktkasse steht und eine Minirechnung von 20 EUR abgewiesen wird. Begründung oder Vorwarnung? Keine. Konnte mit einer anderen Karte bezahlen. Fazit: Wer sich auf Amex verlässt ist verlassen. Aufgrund anderer Kundenerfahrungen, denen bei einer selbst veranlassten Kündigung ein negativer SCHUFA-Eintrag als Rache-Aktion reingedrückt wurde, lasse ich den Vertrag trotzdem weiter laufen.

mike griffiths

a month ago

Failed to refund unscrupulous retailers

Failed to refund unscrupulous retailers on two separate occasions. I lost over £400. I’ve been a client for many years. They say they value me. Clearly not !! Don’t rely on AmEx refund policies. It’s next to worthless.

jim dobos

a month ago

I have been a customer for 45 years !

I have been a customer for 45 years ! Now they want to charge you $10 for a overnight express card replacement ? This is Customer NO Service 👎👎👎

koen van de ven

a month ago

Klachten worden niet behandeld

Op 12 augusutus een klacht ingediend over de dramatisch slechte afhandeling van een verzekerningsclaim door AXA (dat is de firma die American Express inhuurd om hun reisverzekering te dekken). Claim zou binnen 5 dagen behandeld worden. Vandaag zelf maar weer eens gebeld Claim over AXA.....is door american Express doorgestuurd naar.....je raad het al AXA. En die zijn al 15 weken, stil........

eugenie

a month ago

Slechte reis- en annuleringsverzekering

De Platinum card is alleen leuk voor de handige extra’s die het biedt (vandaar die ene ster). Grab ‘n Go op Schiphol en lounges bijvoorbeeld. Meer niet. In de US kun je er overal mee betalen, dus dat is handig. Echter de reis- en annuleringsverzekering is d r a m a. Samengestelde reizen zijn NIET verzekerd! Daar kom je pas achter als je de verzekering nodig hebt. Wij hadden in onze vakantie een boottrip geboekt. Wegens ziekte (keelproblemen) moesten wij de trip annuleren (geld terug krijgen lukte helaas niet meer). AXA keerde niet uit want een trip in trip is onverzekerd. ‘Het annuleren van een excursie of gedeelte van een reis is niet gedekt tenzij de reis wordt afgebroken en er wordt teruggekeerd naar het land van domicilie’ Dit houdt dus in dat binnenlandse vluchten, excursies, helicoptertours, pretpark entrees etc NIET verzekerd zijn als jou iets overkomt wat medisch snel te verhelpen is (keelontsteking, oorpijn, kiespijn, etc). Ook al heb je alles geboekt met AMEX. Je moet dan eerst terug naar huis vliegen, claimen en dan kun je je reis opnieuw boeken. Ongelooflijk… en dat in tijden waarin zoveel mensen zelf een reis samenstellen. Nu gedonder met een stedentrip. We zijn al sinds juni bezig. Ze willen naast de reden van annuleren (die al tig keer opgegeven en bevestigd is door de huisarts) nu de hele medische geschiedenis van twee jaar daarvoor weten. Totale kolder. Ze stellen telkens dezelfde vragen. Sturen vage formulieren die je moet ondertekenen. Ze hopen waarschijnlijk dat je het opgeeft, maar dan hebben ze aan ons een verkeerde. Wij hebben inmiddels een èchte reis- en annuleringsverzekering afgesloten bij een gerenommeerd Nederlands bedrijf (AXA zit in België) en daarnaast gebruiken we een Revolut kaart. Prima combi. Wij zijn er erg van geschrokken dat wij in feite al die jaren wat excursies, binnenlandse vluchten etc. betreft onverzekerd op reis waren. De aankoopverzekering is oké. Let er alleen wel op dat je via AMEX belt want ik kreeg een enorme hork aan de lijn toen ik rechtstreeks belde met de verzekeringsmaatschappij (Chubb). Ik vroeg wat men nodig had om de claim in behandeling te kunnen nemen. Ik werd meteen bestempeld door deze medewerker als fraudeur (ik… die jarenlang zelf claims heb behandeld…). Ik moest het zelf allemaal maar lezen op site en alsjeblieft niet gaan bellen want alles kan online. Leuk als je schoonzoon op dat moment in de stress in Italië staat met een opengebroken auto. Gelukkig later een andere medewerker aan de lijn (via AMEX) die ons keurig en professioneel geholpen heeft. AMEX biedt via AXA ook een verzekering voor autohuur. Er werd telefonisch geadviseerd alle extra verzekeringen weg te laten. Als je echter de voorwaarden van AXA leest krijg je kromme tenen. Als je om nadere uitleg vraagt snapt AXA het eigenlijk zelf ook niet. Dus beter gewoon zelf bij de verhuurmaatschappij alle verzekeringen afsluiten. AXA vindt altijd wel een maniertje om zich er onderuit te kletsen bij schade. Vaak zeggen ze ook allemaal wat anders. Centurion heeft overigens dezelfde verzekeringsvoorwaarden. Kun je nog meer betalen voor deze baggerverzekering. Nee voor de serieuze zaken heb je niets aan AMEX, voor de leuke hebbedingetjes is ie prima.

rob dodsworth

a month ago

Amazon Business card with American…

Amazon Business card with American Express. A straight up subscription trap. Sign up for a year for free and then pay a subscription. There is no reminder, either by email or post. Just the charge. This kind of subscription trap should be made illegal. It should be incumbent upon the company to remind customers. But of course, that wouldn't make them the easy money this kind of trap does. Don't sign up unless you really value the "benefits"

georgia

a month ago

Awful experience!!

a month ago

Arrogante und unfreundliche Einstellung…

Arrogante und unfreundliche Einstellung gegenüber dem Kunden. Durch ein Versehen war ein Betrag der Größenordnung 10€ noch offen, der natürlich nach dem Bemerken sofort beglichen wurde. Dennoch wird am Telefon von unfreundlichen Mitarbeitern sofort mit Schufa und Inkasso gedroht. Das ist doch ein Witz, wenn man seit 5 Jahren Kunde ist und schon deutlich größere Beträge umgesetzt hat. Die Kündigung wird sofort erfolgen, diesen Laden braucht niemand.

boulon b.

a month ago

Je déconseille fortement american…

Je déconseille fortement american express. Comme ils aiment le repeter ils ne sont pas une banque : et en effet aucune souplesse, aucun Service client digne de ce nom. Délais de traitement à rallonge, « blocage sécuritaire des cartes aléatoires » sauf que pour moi c’est chaque mois lol, Réponse du service client à côté de la plaque, et les réponses varient à chaque appel….. j’ai eu besoin de souplesse de paiement pour qqs centaines de dollars (aucun incident de prélèvement depuis que je suis cliente) il n’ont accordé aucun geste. Je suis cliente gold et j’ai les ressources pour passer platinim. Comme il n’y a aucune confiance de leur part je ne leur accorde plus la mienne et je résilie toutes mes cartes: fuyez

lars

a month ago

Ignorante und gravierend schlechte…

Ignorante und gravierend schlechte Kundenbehandlung. Nach nunmher 7 Jahren mit zwei Karten parallel Gold und Platinum und hohen Umsätzen und einem fortwährenden Ausgleich der monatlichen Umsätze wurde ohne Vorwarnung das Limit auf € 900,00 gesetzt. Gelinde ausgedrückt ist diese Vorgehensweise, zumal bei einer seit Jahren sehr gut laufenden Kundenbeziehung, fast schon ein Skandal und müsste der Bafin gemeldet werden. Wo liegt hier die Rechtsgrundlage? Bei Zahlung von € 720,00 Jahrsbeitrag für die Platinum viel Spaß auf Reisen mit € 900,00. Welche Reise soll da noch gebucht werden? Welche Versicherungsleistung soll da noch greifen? Nun, nach der ersten Aufregung die Hotline angerufen. Den dort arbeitenden Studenten als Minijob möchte ich keinen Vorwurf machen, ABER: einzige Aussage: Mein Vorgesetzter ruft Sie zurück innerhalb von 24 Stunden! Nach drei weiteren Anrufen bei der Hotline und den gleichen Versprechen leider über 7 Tage kein Rückruf. Für welche Leistung bezahlt man eigentlich € 720,00? An Dreistigkeit ist Amex nicht mehr zu überbieten. Ein Unternehmen bei welchem ich jedem rate: Lasst die Finger davon! Ein guter Kunde über jahre hinweg tausende Euros an Gebühren gezahlt, keine Rücklastschrift, nix, auf € 900,00 gesetzt ohne jegliche Kommunikation. Ach so, eine E-Mail kann man an Amex auch nicht schreiben, es existiert nämlich keine. Über das Online-Portal kann man eine "Beschwerde-Mail" senden, jedoch ist diese Funktion aufgrund eines "technischen Fehlers" nicht verfügbar, seit Tagen! Ein Unternehmen, welches gemieden werden sollte. Wucherpreise mit Null Service. Beide Karten wurden gekündigt. Ich hoffe, dass sich bei den vielen schlechten Bewertungen der Aktienkurs endlich nach unten bewegt und das Unternehmen vom Markt verschwindet. Kein Mensch braucht so ein absolut schlechtes Unternehmen, was macht was es will und dabei noch dreist abkassiert.

raphael djian

a month ago

CARTE QUI NE SERT A RIEN

CARTE QUI NE SERT A RIEN BLOQUÉE 15 JOURS SUR 30 NE PRENEZ PAS CETTE CARTE ! ÇA VOUS MET + DANS LA MER QUE VOUS AIDEZ !

ali ahmed

a month ago

Great selection of card

dana van westerhoven

a month ago

Jarenlang een AMEX kaart gehad

Jarenlang een AMEX kaart gehad. Maar nu toch over op het meer begaanbare Mastercard. Amex wordt bijna nergens meer geaccepteerd. Alleen voor online aankopen is hij te gebruiken. Restaurants, de meeste supermarkten en hotels, accepteren deze kaart allemaal niet. Daarnaast ben ik ook zeker niet te spreken over de manier van factureren. Op je betaaloverzicht staat er dat je 30 dagen de tijd hebt een factuur te voldoen. Echter, als de incasso mislukt is, blokkeert Amex direct je kaart. Ik wil graag zelf kunnen bepalen op welke datum ik mijn rekening betaal. Ik betaal altijd netjes op tijd, ruim binnen de 30 dagen. Daarnaast blijven ze ook dagelijks meerdere keren bellen en krijg je non stop brieven alsof je een of andere wanbetaler bent. Veel netter zou het zijn om gewoon die 30 dagen netjes af te wachten en dan pas stappen te ondernemen. Indien Amex niet met deze 30 dagen wil werken, moeten ze hun beleid aanpassen.

stefania tioli

a month ago

Troppi problemi ....

Il personale è molto maleducato, danno informazioni non vere ed alcuni anche ti rispondono maleducatamente, mette dei blocchi... anche se sei puntuale e rispetti i loro termini! Mi spiace però per alcuni operatori che sono gentili ma per colpa di altri l esperienza è spessa negativa,negli ultimi tempi moltissimi esercenti non vogliono neanche vederla la carta American express e quindi i disagi sono molteplici. Mi spiace di questo perché negli anni precedenti mi ero trovata bene. Dispiaciuta.

honest guy

a month ago

american express is running a scam with…

american express is running a scam with small businesses, customer would reserve a hotel room 3 months ahead of arrival, with a 48 hour cancel policy and customer agrees, on the day of arrival, i called customer 3 times and left voice message that night, he never called me back to tell me what time he will be arriving. as the hotel was fully sold out weeks ahead. i charge amex. card. customer disputes the charge with amex directly, never contacts the hotel to see why the charge was made. amex took the money out of hotel company account plus a charge of $150 for dispute. well the customer never called the hotel to discuss, amex stole the money out of the hotel bank account plus took an additional $150 out, well that is plain theft. The excuse that Amex had was " the customer never signed the hotel cancellation policy". well the customer reserved the room and was notified verbally like all hotels pretty much do all over the world over the phone. how on earth am i going to have the customer sign the cancel policy. the customer lives about 500 miles away from hotel. i just hope american express can go bankrupt before the end of this year. could possibly change their name to "BANKRUPT EXPRESS" a card company for losers and tramps in this country as well as employ only tramps and losers to run the company. STAY AWAY FROM AMERICAN EXPRESS ( all the businesses should not accept their cards). unless you want problems with them.

joanna i

a month ago

Hände weg!

Hände weg! Die schlechteste Karte überhaupt !!!

easot

a month ago

Karte ohne Grund gesperrt und es werden…

Karte ohne Grund gesperrt und es werden reihenweise Kontoauszüge angefordert, man muss sich willkürlich verifizieren mit Kontoauszügen. Datensammelwut auf einem anderen Level. Was passiert mit den Daten??? Weg da, Müll

gail

a month ago

They treat me so bad

They treat me so bad. They declined my purchases, said the balance is higher than usual, for this reason I can accept it but they require me to send them my pay stubs and 2 months of my bank statements!!!! For what ??!! I took vacation, yes I might spent more than I usually do, what’s wrong with it?? I have Amex gold card pay $250/year membership, never missed a payment. For this matter I even paid up my balance before its due. They still want my personal info??!! So I told them I think this is not the way they treat a good customer, if they want to cancel my card then go ahead . I will never go back and use them again. This is ridiculous!

soleil

a month ago

Je suis dépité

Je suis dépité, le service américain express carte m'a souscrit à une assurance Chubb European à mon insu , pendant 4ans , lorsque je demande des explications ou un justificatif , pas de réponse. Surtout ne tombé pas.dans leur piège. Ils sont très sournois. A fuir

sally

a month ago

Difficult to register for advertised offer

Website is cluttered and difficult to navigate. I tried to register for an offer sent to me by email but, despite numerous attempts doing it in various different ways, I failed. It as if they try to make it as difficult as possible.

sosa

a month ago

Finger weg von American Express…

Finger weg von American Express Payback! Bei American Express ist alles, wirklich alles automatisiert bzw. läuft ausschließlich über deren voreingestellten Online-Systemeinstellungen. Falls ein Problem auftaucht, kann NIEMAND bei Amercian Express etwas tun! Vorfall: Amex konnte nicht abbuchen, weil bei Amex ein Systemfehler vorlag. Ich wollte bezahlen und wurde aufgefordert nichts zu überweisen. Kurz danach kam eine elektronische Zahlungserinnerung (auch das läuft automatisch und kann nicht gestoppt werden)! Nach über 10 Telefonaten habe ich die Rechnung von mir aus überwiesen. 3 Tage später hat Amex die gleiche Summe nochmals von meinem Konto abgebucht! Bis das Geld zurück kommt, vergehen Wochen! KEINER kann in die Abläufe händisch eingreifen! Von den Service-Mitarbeitern hört man grundsätzlich immer die gleichen Sätze, man wird letztendlich vertröstet. Noch ein ganz wichtiger Faktor: Bei Beantragung bekommt man von Amex zuerst einmal einen schlechten Score bei der SCHUFA eingetragen, auch wenn man einen Score von 97 hat! Das setzt den gesamten Score nach unten und man hat eine schlechtere Bonität. So etwas geht gar nicht! Auch Amex muss sich an die vorhergehenden Eintragungen halten (bzw. wenn es keine gibt, den Score nach oben setzen). Macht Amex aber nicht, sie erteilen erst einmal einen schlechten Score ohne sachliche und rechtliche Vorgaben. Die paar Punkte, die man mehr von Payback bekommt sind ein Witz. Dafür, dass man von Amex so behandelt wird und noch dazu einen schlechten Score bekommt (obwohl rein gar nichts vorliegt), ist das eine absolute Frechheit. Holt euch eine andere Kreditkarte, am besten bei der eigenen Bank, zahlt 10 bis 20 Euro Gebühr im Jahr und eure SCHUFA bleibt sauber und ihr müsst euch nicht über miserablen Kundenservice ärgern.

caylon travis

a month ago

American Express Travel is a Scam

Do not ever use American Express Travel to rent a car. It is an absolute scam. They will not only charge you to rent the car, but then the car rental agency will charge you for the same rental AGAIN PLUS MORE, so you will end up paying 2.5x what you were expecting to pay. Then when you dispute the charge, it will take approximately a month for them to tell you 'too bad so sad.' Never using this service again, and will be changing credit cards as well. American Express is the worst credit card company I've ever used to run a business. Absolute garbage.

customer

a month ago

NEVER EVER go fo AMEX Credit Card

NEVER EVER go for AMEX Credit Card First of all it doesn't work in most of the places. Secondly they blocked without any information. Later they cancel the card and they don't have any valid reason. They expect you to apply after 2years - having such amazing experience why would I ever go back

c g

a month ago

L’arnaque !!!

L’arnaque !!!! On vous supprime votre compte sans vous prévenir ! Très pro ?? Par contre pour vous envoyer de la pub comme quoi vous acceptez la carte American Express , là on sait vous contacter par téléphone ! A FUIR

thomas biastoch

a month ago

Dieses Unternehmen macht ständig…

Dieses Unternehmen macht ständig irgendwelche "Angebote" und wenn wenn man die dann annimmt und angeblich in 6 Monaten eine Gutschrift erhalten soll, dann passiert genau das nicht! Selber mehrfach erfahren und der Kunde ist dann wieder der Dumme und muss bei dieser Studentenhotline anrufen die selbstverständlich niemals Ahnung davon haben! Was für ein "Kundenservice"? Ist eben amerikanisch völlig ohne Vertrauen und absolut überflüssig! Genauso wird man betrogen im Membership "Vorteilsprogramm"! Punkte die man sich durch Kreditkartenumsätze erarbeitet hat werden nicht gutgeschrieben oder verfallen einfach weil duch UNfähigkeit dieser Firma einfach alles verschwindet. Hintergrund ist dass dieses amerikanisches Unternehmen nur nur KI einsetzt damit sie menschliches Gehalt einsparen! Einfach widerlich!

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