What do American Express credit cards offer?
American Express (Amex) offers a range of cashback credit cards which are among the most generous on the market.
The American Express Platinum Cashback Everyday Credit Card, for example, offers 5% cashback (up to £100) in your first three months and a rate of 0.5%-1% thereafter. There’s no annual fee and the card has a representative 24.5% APR (variable). Credit is subject to status and terms apply.
American Express also offers a wide range of branded and non-branded reward credit card deals. These can help users boost their American Express Membership Rewards points or points associated with other schemes like Nectar and British Airways.
How does American Express compare with other providers?
American Express has come out top in our latest credit card satisfaction survey.
The provider achieved an impressive customer score of 80% and has once again been given Which? Recommended Provider status.
Is American Express a good credit card provider?
Our survey also reveals how American Express customers rated the provider across 10 categories.
Find out in the table below how Amex scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.
| American Express credit card customer satisfaction category | Star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges | |
| Charges for using your card abroad | |
| Dealing with complaints and resolving problems | |
| Dealing with queries | |
| Ability to manage account online | |
| Ability to manage account by telephone | |
| Mobile app on a smartphone or tablet | |
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 American Express' customer score and ratings
We pick credit cards to feature in Which? brand reviews based on the most popular credit card brands searched for online.
Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards.
This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.
Star ratings for each category are calculated independently of the customer score.
We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.
American Express credit card FAQs
Can I do an American Express balance transfer?
American Express doesn't currently offer any 0% balance transfer deals.
But if you’ve built up debt on an American Express credit, you can move the balance to another credit card provider with a 0% balance transfer deal.
Just be cautious about where you apply next to make sure they can facilitate a transfer, as in the past some brands have struggled to.
Where are American Express credit cards accepted?
American Express credit cards aren’t as widely accepted by merchants in the UK as Visa or Mastercard.
You can check where American Express is accepted on its website.
Does American Express offer an eligibility check?
American Express has an eligibility checker that will perform a 'soft search' of your Experian credit file. This won’t impact your credit score and will allow you to see your likelihood of being approved before submitting an application.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.
