American Express credit card review

American Express has 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 75% in our most recent credit card satisfaction survey and is rated particularly well by customers for service and online convenience. However, decidedly uncompetitive interest rates keep Amex from being a Which? Recommended Provider.    

Credit Cards

American Express review

Which? Customer Score

75%

5th out of 29 credit card providers

Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.

Compare American Express against 29 credit card providers

Visit Which? Money Compare to find out how Virgin Money's cards compare.

American Express' rating broken down

American Express credit card satisfaction	Star rating
Customer service	4 out of 5
Application process	4 out of 5
Keeping you up to date with new deals	4 out of 5
Communication of changes to terms and conditions	3 out of 5
Clarity of statement	5 out of 5
Transparency of charges and penalties	4 out of 5
Dealing with queries	5 out of 5
Dealing with complaints	4 out of 5
Rewards and cash back	5 out of 5
Ability to manage online	4 out of 5
Ability to manage by mobile app	4 out of 5
Ability to manage by telephone banking	4 out of 5
Charges for using your credit card abroad	3 out of 5

How we calculate Amex's 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 6,741 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 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.