Coronavirus (COVID-19) credit card update
The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.
- Find out more: coronavirus payment holidays on credit cards and loans
Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?
What do American Express credit cards offer?
American Express offers a range of cashback and reward credit card deals, which are among the most generous on the market.
You can explore how American Express compares to other cashback and reward credit cards using Which? Money Compare.
How does American Express compare to other providers?
American Express has come second in our latest credit card satisfaction survey.
The provider achieved a customer score of 79% and has once again been awarded 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 satisfaction ratings |
Star ratings 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. |
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Customer Service | |
Application Process | |
Clarity of Statement | |
Transparency of charges and penalties | |
Dealing with queries | |
Dealing with complaints | |
Ability to manage online | |
Ability to manage by mobile app | |
Ability to manage by telephone banking | |
Charges for using your credit card abroad | |
Which is the best cashback credit card?
Below are the top five cashback credit cards on the market right now.
- You can explore more cashback and reward credit cards using Which? Money Compare.
How we calculate Amex's customer score and ratings
We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.
Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
Star ratings for each category are scored independently of the customer score.
These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 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 Amex is accepted on the Amex 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.