American Express Global Reviews 5,227

A couple years ago I had an emergency medical situation where I needed to get funds when I was financially unstable. I was able to get Amex gold delta card for $1000 credit, used it and shortly paid it off when I got back on my feet. I decided to cancel it because I had no use for it, ultimately because of the $150 annual fee and by recommendation of my financial planner. (Yes I realize this impacts my credit score but worth the small sacrifice of not paying an annual fee for benefits I will never use). I called yesterday to cancel and the overseas rep went from very polite to very aggressive when I tried to cancel it. He fought me at every turn demanding reasons why I shouldn’t cancel my card, even when I was trying to maintain my own privacy and discretion saying “for my own financial stability and recommendation from my advisor I need to cancel this please”. He argued with me that $1000 “was nothing” and that it would be silly of me to close because of this. He offered to lower APR and I declined again politely and he scoffed until I told him “I don’t care, stop it, I’m not changing my mind just close it.” I know they are given scripts and told to push, but I did not appreciate having to give personal information and reasons he did not need to know in order to get it closed. It felt incredibly rude and invasive. Shame on Amex if this is what they are prompting their customer service reps to do. I will never use Amex again.

Customer since 2006. American Express closed my account without any direct notification.

They claim notice was given via messages on monthly statements - but this was a £0 balance account, so there was no reason to log in and check them. No email, letter, or SMS was sent beforehand.

The only letter I received arrived over two weeks after the account had already been closed. I only discovered it by chance when logging into the app.

Their complaint response also contained incorrect information about prior contact, which undermines confidence in their handling.

Poor communication and even worse complaint handling. I’ve now escalated this to the Financial Ombudsman Service.

Absolute TERRIBLE credit card company! Zero protection if a seller ships USPS and your package gets lost. Closing my accounts asap and will never have an AMEX again! AMERICAN EXPRESS IS ABSOLUTE TRASH!!!!

Astonishing lack of customer empathy. Set up DD to make payment for my credit card. They didn't set it up so charged me a late fee and refused to re-imburse, even though I made an immediate payment. Can't use the card in loads of places either. Far better options available with other cc providers.

I'd give them a zero. I paid off my card and had not used it for some time and had a lot of points. Without warning me before hand, they closed/canceled my card. Would not reopen it, lost all my points and they told me to reapply for a new card - another credit check. Terrible customer service, terrible communication and terrible company as a whole even when I had payments.

Had an issue with Qatar Airways and could not get it resolved with them directly. Could not even contact them via telephone, email (no reply) or Twitter (replied after flight was cancelled). AMEX sorted it quickly. I always use AMEX to pay for goods and services because I know if there is an issue they will look after me.

I got disabled with a head injury and broken neck years ago and payed AMEX what I could. They said it would clear my debt and years later they are asking for more money!! This is a money hungry company with no compassion. Customer service won’t listen to me either.

Been a customer for over 4 years and they spent countless hours and threats to recover £12.
Personal experience found, "we don't take Amex"
Avoid.

I have three AMEX cards, Business. Platinum, Delta reserve and Delta Platinum. Our business spends hundreds of thousands of dollars on the cards. Had an issue where I shipped a valuable table with UPS. The table was damaged, I purchased insurance and UPS is refusing to pay the claim. Asked for a picture of the box 3 weeks after I submitted the claim with all pictures showing the damaged item in the original wrapping. Protested the charges on AMEX noting that UPS did not full fill the contract to deliver the items in the same condition they were sent. AMEX refused to back up our claims despite undisputable evidence that the goods were damaged and the contract was violated. Cited with the merchant. Should have at worst ate the $500 it cost to ship the item as I pay 3 times that in fees alone not to mention the charges on the card. Submitted an appeal and it was ignored by the morons that work at AMEX. Got an email within 5 hours that the appeal was denied without a reason.

I have had an American Express account for 30 years, and the new internal process is very crazy. My Credit score is outstanding. I have to say this is very disappointing, and I will never recommend them. My credit score is over 800 I run a business with a good revenue and they now have cut me off at the knees to run on credit.

Consumers should avoid this card at all costs. We never missed a payment, and we never even requested a credit limit increase, yet American Express raised our limit to $32,000 on their own. Then, while we were making the required minimum payments, they suddenly demanded a $4,000 payment, claiming we weren’t paying enough toward the balance. After that, they lowered our credit limit while keeping our interest rate at an outrageous 29.98%.

If they were truly concerned about helping customers manage debt responsibly, why refuse to lower the interest rate? Instead, they increase risk, penalize the customer, and profit from crushing interest charges. That feels less like customer service and more like corporate greed.

Based on our experience, stay away from this credit card. Read the fine print, protect yourself, and think twice before doing business with American Express.

Having been a customer for 22 years and never missing a payment l get a notice my credit limit went down from 5 thousand to 1900 dollars. So naturally I call them and they claim it was because my credit ratio went up. I explained that I was paying off credit cards and in particular I closed a discover card. Having paid them off I no longer wished to do business with them. This did not effect American Express but she said thank you for your busines. I suppose I will close them next as they have no regard for long-term customers

VERY disappointed. I grew up poor. I seriously thought that having an American Express card was the gold standard of credit achievement. I have worked my a** off for over 40 years to get where I am, in a respectable position in life (according to American standards). I have never been late on a payment in over 40 yrs. I have impeccable credit and and a credit score in the 800s.
When I initially applied for the American Express Delta Skymiles card, because I have 2 daughters who live on the other side of the country and wanted to earn points toward flights, I was approved for a $12,500 credit limit. I was immediately bombarded with marketing about spending something like $10,000 in a year on this card to receive bonus Skymiles. Knowing I could pay this off every year when I got my work bonus, I did just that. Mind you, American Express was raking in an a**load of interest off of me in the meantime.
As soon as I did exactly what they were marketing, AND not to mention profiting from, they suddenly lowered my credit limit to $4,500.00, stating they were concerned about my credit usage. I felt like a a lower form of life, like I had done something wrong. Despite my impeccable credit history, it's like they were treating me as a criminal.
While I was incredibly insulted, I continued to use the $4,500.00 credit limit to rack it up until my bonus came and I paid it all off.
Now I have plenty of money to put my charges on the card and pay it off the very next day. Great, right? NOPE. WRONG ANSWER. I was mortified to be declined twice in he same day, in front of onlookers, because I paid most all of my balance owed immediately. WTH?!
I was told by customer services that it can take 3-4 business days for my immediate payments to post. YET..... my payments show as pending, my credit line shows $4,500.00, my current balanced only shows $435.00 from my last purchase buying summer clothes for my kid. Logic tell me that the credit line of $4,500.00 minus the current outstanding charges of $435.00, means I should have $4,065.00 available credit and should not be declined at the gas pump for $50 worth the gas, or whatever.
With today's technology, and Amex's ability to hold funds immediately upon purchase, Why should it take 3-4 business days to credit me a $2,600.00 payment made the day after it was charged?
This company has made me feel like a lowlife criminal, despite my earning EVERY SINGLE penny via working 2 jobs most of my life to earn this "honor." BITE ME AMEX. Chase Prime Amazon Visa has NEVER treated me this way. Ever. I'll take my free Amazon stuff over your measly Delta Skymiles points you hand out like I'm a beggar.

The American Express dispute resolution process and customer support team has become the worst nightmare for its customer base. We live in a scam filled, flawed internet online world and overcharging, misrepresentations have become the norm! Apparently, AMEX has shifted its corporate focus from their customers, who pay an annual fee for the privilege of using AMEX, to a vendor favored environment! If you are in need of a credit card get a Visa, MC or Discover! AMEX just doesn’t give a damn anymore about supporting it’s customers. A very dissatisfied customer who has been a card holder since 1985.

I have 3 cards with Amex, all with 30k+ credit limits. We usually keep our cards below 5k usage. We never had a late payment. One day, Amex decides to reduce our credit limits,one from 30k to just 1700. The existing charge on it was 1600 so they made it look like we used our credit close to max. Then they raised our apr from 16.66% to 29.99% after reducing our limit. Their reason was we have too high existing balance. They did the same thing to our other cards. This affected our credit score since our existing line of credit was reduced by close to 80k and our revolving balance on our cards was close to max (since they reduced the credit limit). When I called and asked for the reason for the reduction, they said because of non use. I all pray of all these cards and never work with them again.

We had to close our LONGSTANDING, paid off monthly account so my wife could be the primary card holder instead of me. Worked with an advisor from AmEx ONE on ONE and was NEVER advised that accumulated reward dollars would be FORFEITED! We would have waited much longer to close this account, or use it to buy just enough things to USE those dollars. SHAME on you AmEx and SHAME on that advisor. When I complained, the rep said "it's in the agreement". THAT is not a satisfactory response - especially since much time was spent on the phone working with an advisor who TOLD us the only way for my wife to be primary was to close our 20 year account.

Spoke with a customer service rep named "Ryan" just now (0405 PST, 04/16/26) regarding the setting up my new account for a corporate green card. Ryan apparently knows everything about everything, and somehow he even knows what Ive been doing for the last hour. He assured me that I have not been setting up a new account, and that I do not have an account with Amex. This is good to know....it means I dont have to pay any of my bills! Thanks Ryan, you're so SMART!!
Seriously, when did Amex start hiring low-quality reps from overseas, like so many other corporations which have gone into the toilet? With no customer service, what exactly are the benefits of using Amex now? I hung up on the idiot and called back. I then spoke to "Erica" who actually knows how to do her job. Obviously she isn't friends with "Ryan" (his real name is probably much less American).

American Express is a pathetic and lying company. I have three credit cards with them two business one personal. I mistakenly used an account which did not have money to pay a small portion of their bill their cheque bounced I called them and before that made payment from another account. They said put money in that account I did that also I asked them I want to speak to the boss of supervisor I was told that they will call me it has been 4 days no call came. My cards are again locked and idk why no one calls their customer service at bunch of liars and loosers

I would give this company a zero star if possible. They do not support customers . They will not dispute any charge that you prove should not be charged. Pat response is contact the company. Many companies are impossible to contact. Especially if they are in the United Kingdom.
Last month AT&T changed $20.00 on my account after I informed them I would not be changing to Fiber Optics. I spoke with a lady at ATT who could not comprehend English and she stated “ Ok all done”.
I contacted American Express when the charge posted. American Express stated they spoke with ATT (this was simply a lie) and I owed the $20.00. So they were leaving it on my account. I paid the $20.00 because I never leave a balance on ANY account. Three days later ATT sent my $20.00 refund. They NEVER heard from American Express.
April 11, 2026 I worked an ICU 16 hour shift. My personal blood pressure cuff was dropped and broken. I asked Google which was the best Portable blood pressure cuff. An ad came up for “Vital Track” as a 10/10 best cuff $119.00 so I ordered. Within an hour I still had not received email confirmation of the order and felt apprehensive. I decided to check reviews and canceled this order immediately . I notified Vital Track that I was aware of their horrible reviews and did not trust them , asked them to not charge my American Express card. They are on Trustpilot with numerous complaints. They are VERY dishonest. No email or telephone number.
I also notified American Express . I was told they would monitor and notify me when / if the charge posted.
Today American Express notified me the charge$119.00 had posted. This time it is listed as Health not Vital Track. They use several different names.
American Express will not allow me to dispute this charge. When I attempt to state the reason for the dispute the screen keeps returning to login or I receive a notice that they cannot continue because I have not stated a reason for the dispute. The pat answer “contact the merchant”. Then the screen becomes a request to complete a survey. This is truly a joke. You will not be allowed to submit a one star review or state why you chose one star. American Express will not allow you to submit a bad review.
I will not trust American Express again. BOA; Capital and Discover are much better companies. They appreciate that I always pay my balance before due. They give me numerous incentives and bonuses to retain me as a customer.
My name is Regina Chastain. My reviews always post as Maria, just to be clear.

Worst credit card.