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American Express credit card review

Find out how Amex has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
What do American Express credit cards offer?  How does American Express compare to other providers? Is American Express a good credit card provider?
Which is the best cashback credit card? How we calculate Amex's customer score and ratings American Express credit card FAQs

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.

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American Express review
Which? Customer Score
2nd out of 30 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.
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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.

Customer Service

5 out of 5

Application Process

4 out of 5

Clarity of Statement

4 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

5 out of 5

Dealing with complaints

5 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

5 out of 5

Ability to manage by telephone banking

5 out of 5

Charges for using your credit card abroad

2 out of 5

Which is the best cashback credit card?

Below are the top five cashback credit cards on the market right now.

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.