Credit card companies: American Express credit card review

American Express icon

Customer score

=7th out of 32 credit card providers


American Express credit card

American Express has, among its range, two credit cards with excellent cashback deals. Its cards also boast generous loyalty rewards including the Nectar, Starpoints (hotels) and Avios (previously airmiles) schemes. The provider achieved an impressive 70% in our most recent credit card satisfaction survey (up from 64% previously), and is rated by customers especially for service and online convenience. However, decidedly uncompetitive interest rates keep Amex from being a Which? Recommended Provider.    

American Express credit card highlights

  • Market leading cashback offers with initial rates of up to 5%
  • Excellent for customer service
  • Competitive rewards cards

Visit Which? Money Compare to find out how Amex compares against other card providers.

American Express credit card satisfaction
Customer service 
Keeping you up to date with new deals 
Communication of changes to terms and conditions 
Clarity of statement 
Transparency of charges and penalties 
Dealing with queries and complaints 
Rewards and cash back 
Ability to manage online 
Ability to manage by telephone banking 
Charges for using your credit card abroad 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category.
  • Where no stars are given, we received too few responses in our survey to award a score.

How we calculate these ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,191 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

More on this...

  • Which? Money Compare - Hundreds of credit card deals compared and updated daily
  • Best and worst credit card providers - find out how your credit card provider ranks for customer satisfaction
  • Which? Recommended Providers - find out how credit card companies qualify for the Which? seal of approval

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.