American Express Global Reviews 

5,302
TrustScore 1.5 out of 5

1.3

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 426 reviews, most reviewers were let down by their experience overall. Many customers expressed dissatisfaction with the customer service, describing it as unhelpful, difficult to reach, and often providing poor communication and complaint handling. People also reported issues with payment processes, including unexpected account closures, difficulties with direct debits, and problems with promotional offers not being honored. Reviewers frequently mentioned that the service quality has declined significantly over time, with some feeling that the company no longer values long-standing customers. The high annual fees were also a point of contention, with many feeling that the value provided did not justify the cost, especially when compared to other card options. Some customers experienced unexpected credit limit reductions, even with excellent payment histories, which negatively impacted their credit scores and financial planning. Conversely, a small portion of people felt satisfied with the support experience and rewards, recommending the company for its benefits.

What people talk about most

Payment

Customers had negative experiences with payment, citing issues such as unexpected account blocks and... See more

Customer service

Reviewers express widespread dissatisfaction with customer service, noting a significant decline in recent... See more

Service

Consumers find service to be negative, with many long-term customers expressing disappointment that the... See more

Price

Users describe negative interactions with price, frequently citing unexpected and massive interest charges,... See more

Staff

People report negative experiences with staff, citing issues such as dismissive representatives who use... See more

Reviews shaping this summary

Rated 1 out of 5 stars

I have Amex platinum card. 895 per year fee. At Philadelphia airport Centurion club waiting period was over 30 minutes. On February 24th. Couldn't use it. No place to sit outside the club either.... See more

Rated 1 out of 5 stars

Firstly, the dispute resolution process is a joke. If you have an issue with a payment just write it off because Amex aren't interested. Secondly, if you have a service issue they make you contact th... See more

Rated 1 out of 5 stars

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... See more

Rated 1 out of 5 stars

FYI……,. AVOID AMEX LIKE AVOIDING COVID-19. I’ve been with Amex for 20+ yrs and I can tell you that this company is no longer what it was. The service was like right of the pretty woman …..now the... See more


Company details

  1. Payment Service

Written by the company

American Express offers access to world-class Credit Cards, Charge Cards, rewards, travel, financial and business services including Corporate Cards and more.


Contact info

1.3

Bad

TrustScore 1.5 out of 5

5K reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Hasn’t replied to negative reviews

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

1.3

All reviews

(5,302)

606 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Linked someone else’s bank account

We had a horrible experience with American Express. We’ve had the card for over 20 years and their autopay is horrible. I don’t know how that gets messed up, seems pretty easy to me. They also somehow linked someone else’s bank account to my account. Yikes!

1 April 2026
Unprompted review
Rated 1 out of 5 stars

Unjustified Account Suspension and Unprofessional Conduct by Amex


Amex’s service is unacceptable. They suspended my account without any valid justification, and then, in an almost petty move, closed the installment plan as if that would pressure me into paying the full balance on their preferred timeline. This kind of conduct is both unreasonable and unprofessional.

31 March 2026
Unprompted review
Rated 1 out of 5 stars

I was loyal to Amex for years

I was loyal to Amex for years. I had over 40K delta skymiles points. They recently tried to double charge me for my membership. I lost my old card and they told me that they could not send me a new one because I had reported mine stolen too many times. This never happened. I had never reported my card stolen. They then opened me a new account and even though I had just paid my membership fees i January, they tried to charge me again in March. I cancelled my card at that point what else was there for me to do?

20 March 2026
Unprompted review
Rated 1 out of 5 stars

Now utterly useless

For some unknown
Reason they cancelled my direct debit. It had NEVER failed to settle the account. I tried to contact them but gone are the days of speaking to people in Brighton. The call handlers are now lovely but utterly useless. As a result ive got a massive interest charge. We have always cleared our balance 100% of the time. They seem unable
To correct it. Pathetic

30 March 2026
Unprompted review
Rated 1 out of 5 stars

THE WORST BANK EVER.

The worst bank ever done business with, disrespectful employees, awful customer service. I closed my 3 accounts with American Express. They stole my money, and then say sorry for the inconvenience!!

30 March 2026
Unprompted review
Rated 1 out of 5 stars

Bait and switch

Bait and switch. Got the delta premium card. Excellent credit. Was supposed to be spend $8k, get 100 k skymiles. App had a tracker that said progress towards 8k spend. All the sudden, tracker disappears. I call them, they say I never signed up for that deal and I signed up for spend 3 k, get 60k miles. After complaining and arguing for a month I called them and cancelled. I spent the 8 k in the first month and paid it off. They said I wouldn't lost my miles if I cancelled the card and I did. Totally screwed me.

18 January 2026
Unprompted review
Rated 1 out of 5 stars

HORRIBLE!!

HORRIBLE!!! RUN!!! DON'T EVER GET A CARD FROM THIS BUSINESS!! I PURCHASED A $150 GIFT CARD FROM THEIR WEBSITE MARCH 20, 2026! THEY PUT MY CARD ON HOLD AND SAID THEY'RE MAILING ME A PAPER CHECK! THEY SAID WITHIN 3 WEEKS AND THAT'S AND IT'S PART OF THEIR POLICY ON THEIR WEBSITE FOR EGIFTCARDS!! I'VE SEARCHED FOR THIS INFORMATION AND AT THIS TIME, I CANNOT FIND IT! I'VE SAVED THE CURRENT INFORMATION! VERY DISAPPOINTED!

20 March 2026
Unprompted review
Rated 1 out of 5 stars

Very poor experience

Very poor experience. Needed to know my virtual card number to marry up transactions between my physical and virtual card. Despite website providing an FAQ for this, they advised it's not a service they can provide. When I explained that I had been using their website for an hour trying to get this info, they couldn't care less. I advised that I'd just have to accept my loss (as i wanted to check details with a merchant using virtual car number), they closed the chat.

As a complaint manager in financial service, this should've been escalated as a complaint in line with FCA and FOS requirements.

As it's want a great amount, I just left it - but I shouldn't have had to,

28 March 2026
Unprompted review
Rated 1 out of 5 stars

5yrs never late and they do this

I have been with them over five years never missed a payment never been late never went over 50% of my limit what did they do? Did a review and decided to decrease it they slashed my limit down to $100 over what I am currently at and destroyed my credit do not bank with them. Do not get a credit card with them because they are dirty. And do not reward or appreciate members for being on time and reliable!!!

26 March 2026
Unprompted review
Rated 1 out of 5 stars

“I received a $100 gift card


“I received a $100 gift card, and it was used without my authorization in California — a place I have never been to. I reported the issue immediately, but after 3 months of follow-ups, I still have no resolution. Every time I call, they tell me the case was closed and open a new one instead of actually solving the problem. Extremely frustrating and unprofessional.”

26 March 2026
Unprompted review
Rated 1 out of 5 stars

After being a client & paying off my…

After being a client & paying off my statement balance monthly for more than 8 years , Amex reached me, blocked my card until I provide my financial statements, I offered them my pay stupa, they didn’t want , I’m a w2 employee & also a business owner, after sending all statements twice I got so disgusted, either they were having hard time to put 2 together or thinking that I don’t have other options? Closed all my relationship. Hated the experience, the worst experience ever!

25 March 2026
Unprompted review
Rated 1 out of 5 stars

18 years with them

18 years with them. They decided to do away with my card type. I lost over $2000 in travel credit. Stealing from the seniors. Read the fine print they say. What a corrupt bunch.

25 March 2026
Unprompted review
Rated 1 out of 5 stars

Atlanta Centurion Club Not Friendly or Helpful At All!

Atlanta Centurion Club, March 24th. Airport and TSA direct to arrive for hours early. TSA did not take long do for to club 3 hours and 45 minutes ahead of flight.
They would not let me in 45 minutes early! They wouldn't even talk to the Amex corporate rep on the phone!
The desk agent rolled her eyes and said "that's a bit much" when she saw I was on the phone with Amex.
Manager was rude also.

24 March 2026
Unprompted review
Rated 1 out of 5 stars

AMEX purchase disputes is ineffectual

I disputed a charge on my AMEX from StubHub. The dispute was:

On February 22, 2026, I went online intending to purchase to James Taylor tickets for Jones Beach Theatre on June 23, 2026. The first screen that came up were “tickets” called “Fast Lane Pass”, and I purchased it thinking they were the tickets. The next morning, I realized that these were actually not tickets to the concert, but some type of add on. If they were an add on, why was I able to buy them without buying actual tickets? Without the concert tickets, these “passes” (strangely also referred to as “tickets”), are WORTHLESS. The website is intentionally unclear and misleading by first offering these “tickets” which were really just add on passes, apparently so you don’t have to stand in line? Why would I need these without actual tickets. I was not offered to buy the actual concert tickets first, only these “Fast Lane Passes”. I sought and was denied a full refund of the $120.16 from Stubhub for these two “Fast Lane Passes” because Stubhub’s website was deliberatively deceptive and did not supply what I believed I was buying, as these passes are worthless without actual concert tickets. It is important to note that the Stubhub representative Bladimir told me I could try to sell these passes to someone else online, but Stubhub would not let me do so without TICKETS. It is rather ironic as they allowed me to buy these passes without actually buying concert tickets, but will not let me sell them to someone else without actual concert tickets.

AMEX dispute resolution initially gave me credit for the charge and then reversed its decision stating that they have a” no refund” policy for tickets. I went back and forth with the representative saying that I can understand that for actual concert tickets, but the website presented these add on "Fast Lane Passes" as actual concert tickets and offered these passes to me without offering to sell me concert tickets. I am a long time customer of AMEX, and the AMEX card has always been my go to card when buying thing, particularly online, because they usually credit any disputes, particularly where it is a scam and when the things being bought are not what is represented. I am so disappointed with AMEX and I will not longer be using it for any purchases, online or otherwise, due to this.

18 March 2026
Unprompted review
Rated 1 out of 5 stars

No Loyalty for the Loyal

After 20+ years of perfect, on-time payments, I learned exactly how much my loyalty is worth to American Express: less than $29.

Due to a one-day oversight with a paused autopay, I was hit with a late fee. Despite two decades of a flawless track record, Amex refused a simple, one-time courtesy reversal. Worse, their support staff is trained to stonewall; my chat agent flatly refused to escalate the issue, claiming that "everyone follows the same procedure" and the answer will always be no.

Even after filing BBB and CFPB complaints on February 24, Amex has remained silent. No outreach, no resolution, and zero respect for a long-standing customer. If you’re looking for a company that values a 20-year relationship, look elsewhere—Amex clearly doesn't.

23 February 2026
Unprompted review
Rated 1 out of 5 stars

Up their own arse

Has my account ever been in arrears No
Have my payments always been ontime YES
Cancelled my card because i have been using my soletrader bank account to pay the account.
Makes no sense to me, obviously they think they are very special😂

23 March 2026
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look