American Express Global Reviews 5,220

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.

In February, I made the mistake of using Apple Pay to load money onto my Hard Rock casino account. After realizing, I put it on my AMEX I called immediately. I was told by a representative that since I made payment so quickly I would only be incurring cash advanced interest for the days in between the charge and the Post date of my payment. After going back-and-forth with customer service, they opened a case on March 12 still no determination. Based on the attitude and demeanor of Leanne, the supervisor didn’t sound like AMEX cares. Because this is not a dispute, American Express will not even follow up with me to let me the customer know the outcome of the situation. I’m being told that I have to call in every so often to find out whether or not my case is still open or approved or denied. I find this misleading. If representative says one thing you should be held accountable.

Update:April 10th finally a call back from management claiming they pulled the call and nothing of the sort was said, which is a lie. The representative that did the call back said the only way to review the call is to get a subpoena. My wife was in the room when this took place and the call was on speaker. I was assured I wouldn’t be accruing interest.

AMEX told me to kick rocks. Be careful and record every call you make to Amex

I booked a hotel in London through the (UK?) site.

1. Far too difficult to navigate the site

2. No mention during the booking process that Expedia, or similar, was involved in the booking, I only saw it when booking completed

3. Amazed to find that the cost of my stay was deducted at time of booking even though it was a fully flexible booking which I could - can - cancel 24 or 48 hours prior to arrival.

This is the most HORRIBLE customer service I have EVER encountered. They purposely hire people offshore who do not speak or understand English, hoping you will get frustrated and just hang up without resolving your issues. This is so maddening and frustrating. To call repeatedly and have someone who cannot properly communicate with you and can do nothing more than read off a script, no matter how much their answer does not answer your question is RIDICULOUS and a true testament of how much American Express does not honor or value their customer. They LITERALLY are reading from a script because the answers they give (and repeat and repeat) I have LITERALLY spent 10+ calls with the new business card , and I KEEP asking for a United States representative, just to be told all new accounts are handled off-shore in India. We as consumers must demand that these companies hire people who have a strong understanding of the English language, as they are servicing our accounts. There is NO way a customer should have to call 10+ times, spend cumulative hours on the phone with people who don't speak English, just to STILL not be able to get anything done. If Amex doesn't fix this, I will be taking my business of 22 years elsewhere. This is not good business and this is unfair to the consumer just because you as a company want to save a couple of dollars. I LITERALLY am calling because the "additional information needed" link I received expired and I simply needed a new link (because according to the email) in order for my application to continue processing, and ALL they kept repeating SINCE THEY CANNOT UNDERSTAND ENGLISH, ALL THAT ALL 10+ REPRESENTATIVES I TALKED TO KEPT SAYING WAS "NO ADDITIONAL INFORMATION IS NEEDED" when it is VERY clear ADDITIONAL INFORMATION IS NEEDED (otherwise Amex wouldn't have sent a request for it) hence why I got the request for additional information. They requested address verification etc. DURING A SECOND REQUEST after THE FIRST REQUEST WAS MADE, RECEIVED, AND COMPLETED and these imbeciles at the call center can't understand that because they don't speak English. DO BETTER AMERICAN EXPRESS BECAUSE PEOPLE AREN'T GOING TO KEEP PUTTING UP WITH THIS, at least I know I won't. Who's to say that these offshore people won't start siphoning your money from your account? Amex has no checks and balances obviously otherwise they wouldn't hire people that are a liability because they lack the ability to communicate properly. This is really incompetence as a company and negligence as a financial institution.

I have been on hold for 45 minutes with their customer service in the Philippines. They are clueless. The worst. Horrible. Don’t understand English and all they do is repeat what you say, but don’t understand what you say! Get customer service reps in the United States!!!!!!

Absolutely incompetent and insufficient customer service. The right hands doesn’t know what the left one is doing. Spent HOURS just to get an additional card for husband. Stay away from this total mess. I will cancel this one tomorrow first thing in the morning