Amex Reviews

by Swetangel03831

I don’t suggest this card to anyone. I had identity fraud and something hit my credit that wasn’t mine. It took a total of 4 days to get this item off my credit as it was negative. In those 4 days, American Express decreased my limits over half. Which in return when it reports will make my credit take a dive. I called them and I couldn’t even understand it a word the women said and she didn’t understand me as she wasn’t English spoken. She was from some foreign country. I couldn’t get a representative who could speak English so it was no help. I told her I wanted to close my accounts immediately and she started talking about something off the wall, I asked her if she understood English and of course didn’t get a straight forward answer, so apparently she did not. I will dispute the entire accounts with the fair credit and my states attorney general office. The offers they want you to add on to your card are for stores that nobody used or shops at. I didn’t find one offer that I would ever use or anyone that I know would use for that matter. Stay clear of this card and company.

by PhilipNTx

So technology should make our lives easier, but American express has found a way to make it worse. I redeemed points for gift cards through Amex , but trying to use them is just utterly ridiculous. First, you can’t even get to the cards without providing information that is on your this app card itself. So even though you have securely logged in to Amex , you still have to do more. So if you’re not carrying your this app card with you, you can’t use the gift card. Navigating to the cards takes forever. I’m sure everyone is familiar with the phrase “it isn’t rocket science.” But apparently this is! Whether used or not the cards stay in my view, so I have no idea which ones I have used. And to determine the balance, American Express sends you to the vendor’s website, which is not at all helpful. That site asks you for the gift card number and PIN, so you have to go back to the American Express app, write these numbers down, then go back to the vendor site again. Now think of doing all of this while you’re standing at the checkout line at Home Depot with people waiting in line behind you for you to get this done! And forget trying to resolve this in Amex through chat. Chat is just another word for we’re not going to listen to you but instead will send you links to FAQ sites. This has got to be one of the worst customer service experiences I’ve had with an app and the corresponding credit card company.

by Tamara Levit DDS

They are awful! Be careful giving them direct access to any of your bank account!!!
I had business this app Open from 2003 till recent. Trying to make my life as business owner easy, I’m setting up as many auto pay via my business bank account as I can. Back in March this year I set up auto pay with this app in the amount of $4500 as BC immediate was charged over $9000. My attempts to correct their mistake consistently failed. I removed this auto pay and lowered my usage. In June I attempted lesser amount on auto pay, allowed them to charge $817 per month and made a first payment while on the phone with company rep. Payment was successful, amount was reflected on my auto pay agreement and I was expected repeated charge in the amount of $817 in July 16, as was agreed. But July 19 this app attempted charge in the amount of $8190 for the first time, and repeated the same attempt on 21th and 27th despite me contacting this app asking them to shop and correct their mistake and blocking their transactions on the bank’s side. Guess what, bank block them and assure me I’m safe after first attempt, but they manage to hack into my bank account and continue this financial harassment. I will get rid of them one way or another and would give them NEGATIVE STARS if possible. Stay away from this scammers

by Trifoldboard

For more than 20 years I have been a good customer - I have used my card almost exclusively and paid my bills. I’ve spent more thousands than I can imagine. Due to COVID I lost much of my salary as my husband was leaving me. I fell a month behind and made a temporary payment arrangement. Sold the house to pay bills because I’m the kind of person who does that. Paid off the loan and credit card a month ago but was still showing my account was still showing suspended. Called and they said I had to wait to the next billing cycle. Bogus. Next cycle comes and I am still suspended, yet I get charged $160 for the annual fee. I chatted and they tell me to call the line I already called and wasn’t helpful. I call and get told by the automation that I can charge, but I just tried and my card declined. Very much regret that I just paid that fee or I would be cancelling the card right now. I get it...I made a late payment, but now I’m back on my feet after a brief delay as o figured things out, my salary is fully restored and I’ve recovered from my financial difficulty and you’re losing a customer. I’ll keep the card open because I am buying a new house and done want to show a recently closed account but I will cancel next year and you will have lost a loyal customer.

by To Zander

SINCE 1990, I have always been the biggest AMX fan and championed AMX to others—because you always had my back, talked in nuance to solve my issues (and usually had the authority to make decisions) and always fun to deal with.
Gradually, that has changed as customer service continues to go south. But it was the last customer service agent who took my call—that took AMX to a new low. The problem wasn’t even the problem. He was the problem. He was the farthest away from your classic AMX professional—that I thought it might be a training tool—what not to do. So rude, disrespectful, basically calling me a liar when facts of my problem were not believed and then shamed me for falling short as a customer when he couldn’t otherwise explain or defend how his talking points related to my case.
BUT AT ANY RATE—if AMX (or any vendor) can explain to me or even inform me of “bad news”—I can accept anything professionally (and kindly) communicated to me.
THIS WAS NOT THAT. I TRIED TO CONVEY MY EXPERIENCE to “complaint dept(?)”—I was just too upset. But if he worked for me, I would have fired him on the spot—he crossed a line—one that has taken yrs to build. I don’t know how to ID him—except you can probably access the notes on my account?? The subject of my call was POT.

by Dsprague1679

Historically this app had provided decent customer service. Occasional issues that were eventually resolved albeit after having to spend a bit of time on the phone. Today I had a simple issue that needed help resolving. I had to call four times and speak with six different representatives. I also used the chat feature and also spoke to six or so representatives. All in all, I was instructed to walk or drive from place to place to try and use the card, spent over two and a half hours on the phone and over three hours in total and still never got a resolution. The representatives were often rude and I was even hung up on by a supervisor when he said he would hold. When I asked what could be done to make up for my time wasted, I was given a flat “nothing.” For anybody considering which credit card company to use, I would not consider this one. Worst customer service I have ever received from any company and I have two cards including a gold card and probably spend somewhere around $50k a year and was treated like they could completely care less about me, my business, or their complete inability to provide even adequate customer service.

by JP Jordan

The this app app and the this app web site are easy to use, quick, easily accessible and promptly and accurately reflect all purchase activity. Very worthwhile. Which makes it particularly exasperating when payments are not applied to the account promptly. I make payments via automated debit to my bank account, either scheduled via AutoPay or on a one-off basis. The payments are invariably charged to my bank account well before they are credited to my this app account. At the end of the billing cycle, I sometimes (alternate months) like the account balance reported to the credit reporting agencies to be zero. When there have been charges to the account, and I pay on the last or second last day of the cycle, the payment does not get reflected sometimes for 2 days, which leaves an account balance over the end of the billing cycle. That really annoys me. And it is quite odd, since many times charges are applied to the account before I even get to the car after leaving the store.

Maybe you can fix this - it’s ridiculous.

by Teedee238

I have been impacted by the recasting hurricane Ida. I had to leave my home for my safety. I did t grab much. I my what could fit in a small car along with my pets and significant other. I don’t use my credit cards for anything except emergency use. I consider this an emergency. I have a small limit in this Business American Express that I’ve had for several years. Pay on time faithfully every month. As soon as I got to my destination on my evacuation route I reached out to American Express. I requested an increase on my limit because I had no money to pay for my hotel for a week with no where to live!! They denied me!! Because of a bankruptcy on my report from 10 years ago!!! Ok well I was good enough to be allowed to get the card with that same bankruptcy!! But now after I pay on time for 3 years and been a loyal customer while you are killing me interest charges and making your money triple fold you deny me In my time of most need!!!!!! As soon as I get back to my life and devastated city I will cancel my this app!!!!!! They have lost my business for life over a couple thousand dollars. Very very sad!!!!

by KNG15$

Imagine your account being paid off; and to get a random email stating they have received your info at a location you’re not at; but still has given you the charge. You call to only find out there’s been a fraudulent charge added to your account. Once you report it and discover the location and know for fact they couldn’t have checked you in because you’re home. And have been home for over four months. Makes you suspicious about how people can charge a card with no valid id. And now you have to wait until the investigation is completed before they will remove it. Is not a great feeling. It actually makes me a bit nervous due to the fact I am closing on my home and when I mention this to the credit department they state oh they can’t do anything about it. Well now this reflects my credit report and everything I work so hard for. Not making me happy one bit. I don’t know if I will ever travel and use this card again. Knowing that locations can take your info and their computers can just charge people at random for a stay they were not at. As well as the fact that they leave it on your account and knowing you’re not present don’t remove it.

by ChristopherTony

For many months now there has been a scrolling glitch with Amex that I tried reporting using the contact protocols in Amex but after more than a couple of updates the problem still exists.

For users with more than one this app card on their account the home screen lists all of the cards vertically and the user can scroll up or down thru the list to select which card details to access. On an iPhone 11 Pro Max five cards fit on the screen. The problem occurs when there are six cards or more in an account. The screen does not scroll past the fifth card. It gets glitchy or twitchy, I don’t know the technical term, but it won’t actually advance, it flickers and resets so that the sixth card never advances onto the screen to be selected.

As I mentioned previously this issue has been going on for some time now and so I am writing this here in the hopes that someone will read this and pass it along. Thanks.

by Skynaomismom

I have 2 platinum cards through American Express. Out of the 12 credit cards I own, I hate using them the most. American Express constantly locks me out of my account so I can’t make a payment and have to call and be on the phone for nearly an hour during my lunch break to get my account unlocked again. Then, even though I’ve jumped through hoops to make every payment on time and have one card paid off, they send me an email that they’ve lowered the credit limit on my other card by almost half! I put a larger business purchase on that card during Black Friday and got my credit limit lowered the following day, affecting my credit score by 19 points. Afterwards they had the audacity to send another email saying I am getting close to my credit limit now and need to make a payment to lower my balance. Worst creditors I have ever dealt with. With one annual fee of over $500 and another at $195, I cannot wait to pay off the second card and cancel both of them so that I never have to deal with American Express again.

by Not_Kidding

A few things I could mention that could bring Amex to 5 stars - I would integrate apples current FaceID update to allow for pin entry when it detects a mask. Currently, Amex will simply say that “faceID is not detected” it’s something small that can make a huge difference because I’d rather not take off my mask in stores when I want to get into my app, and I’m sure I speak for many people when I say entering and remembering passwords are tedious.
Additionally, I would update your app to allow for dispute submissions, status and resolution directly on Amex instead of having to clog up your chat. It’s available on your website, just port it over to Amex .
Finally, I would put something to allow for better reward tracking and pending rewards on Amex itself instead of having to go on your website.
Additionally, I know this is probably more a hit on Delta and not American Express, but you do have a partnership with their Credit Cards so, have better communication with them and their/your cards. It gets annoying when I have to flip flop between apps and websites to see and track my rewards.
Finally you could have a kind of Minimum balance calculator for the Pay it Plan it. Sometimes I’m scared to use Plan it because Im scared my next months minimum due will go from 35 to 350. ...which is fine, id just appreciate the heads up when/if it happens.

by Iyurco

I am a recent customer of this so called “professional” company. I signed up for their “bonus offer” of 75,000 miles if I spend $3000 in the first 3 months. In the first month I spent over $4000. I message them to make sure I qualified and they tell me yes and that I should receive the points soon. 3 months go by and no points. I contacted them to see what’s taking so long, they tell me I haven’t qualified and that the threshold has passed. What?!?!?! Then they tell me they will open an investigation and it will take 6-8 weeks. I’m flying to my honeymoon in 6 weeks and needed to book my flight with my bonus miles and now I’m screwed. Definitely don’t sign up for their offers unless you have over 6 months to deal with their bull!!! Will be cancelling my card for sure!! Can’t believe I paid a $200 annual fee for this crap!!

by Kc Kenny $

I used to love this app, until I ran into some financial trouble. By the way I NEVER WENT PAST DUE. Not once in 3 years. I made ALL my payments on time. I asked for hardship program help, they helped and reviewed my account to a simpler temporary lower payment. They told me my account would not go past due, because I had always paid on time and I started the program 2 days after I made my normal minimum payment. After 30 days they reported my account as past due on time credit, I called to complain. They admitted it was their fault and would fix the problem. Now it’s been 60 days, guess what now they reported that I’m 60 days past due. I’m furious. This dropped my score down 100 points. I made my payments on time, to the terms they agreed to.

I’ll admit, it’s my fault I’m in debt, but this is not my fault. American Express destroyed my credit,
Not me.

by Visitor From Lansdale

I am a customer of this app since 2005 (could be a year earlier or later). Those days, this app was the cool card that broke boundaries when compared to the cards of its time. Very attractive then.
Today, especially after the Costco fallout (which I assumed was a match made in heaven), I never left either Costco or this app as a faithful customer. Costco more or less has retained its charming business practices to keep us motivated. this app on the other hand has been slipping really bad. The worst experience I face now is redemption of the reward dollars to my credit card account. Multiple days chatting with their online staff who takes as much as 5 minutes to reply back to you (try keeping yourself motivated to chat and hold your phone from locking your this app app out), I am still not able to get the money transferred within their system from the rewards bucket to the credit card bucket.
With banks like CitiBank and CaptialOne with their one press transfer and customer services, what happened to this app?

by Chipchop1

My online experience with this app online goes back almost 10 years. When dealing with their customer service I’ve always been treated with the utmost respect and consideration in addressing what little hic-up has hit my account. Likewise, my online experience has, as my heading states, on the money. Accurate to a fault, and I can do just about anything pertaining to account ‘management or maintenance’ quick and easy!

Not mentioning any particular card brand, by name, but the two other card companies could learn a thing or two from this app regarding online banking. A # 1 in my book.

Though I am usually not one to make recommendations to friends and family, ‘cause usually that’s asking for a headache, but if asked, I wouldn’t hesitate for a second to sing the this app praises! They know what customer service is all about! Good job, all you this app guys and gals!

by What An Ordeal

If you have multiple cards, each card shows “Total Balance” outstanding. But one card - this app BLUE - shows “Last Balance” ... even after payment is applied. Could not find last payment on the mobile app ... so, I had to call to verify payment was received, applied and no balance existed, which was true. So, if balances shown are not consistent (showing either total balance or last balance) one could make a double payment or conclude the payment wasn’t received. NO other credit card apps / sites represent their cardholder balances in this manner.

So .... can anyone please tell me where you can view your outstanding balance ???? All I see is the amount of the last payment. If you click on last statement, I see charges and payment .... no beginning balance or ending balance.

I am paying off the balance and canceling all this app cards.

by GrandmaKassie

The this app app is one I use regularly. I like the one-stop “shopping” in that I can check my current balance, confirm valid purchased, etc. However, I find it difficult to transition from the “admin” portion of my this app, to the various Travel and/or Entertainment options. I’m sure some of it is my fault, however others may also experience the clumsiness of navigation from one topic to another
It’s also a bit frustrating that, after making an airline reservation, I need to then contact the airline itself to make a seat selection . Since the this app reservation does not recognize my airline status, which would normally place me in the premium seating, to then make a separate phone call, with always the “please hold, your call is important to us”, time spent, making a reservation on this app would be much easier and streamlined if the total reservation could be done with a “single click”.
Please this app, fix that and I’ll give you 5 Stars😊

by Horace&

I have been an American Express (AMX) card holder for a long time. I used to use a VISA card as my primary card for everything and AMX was just a back up. As I started to read the literature from AMX a little closer I discovered benefits that my VISA card didn’t offer. When I called my bank and spoke with my personal banker about the differences I was provided generic answers not comparative benefits. A long time ago very few establishments would accept AMX now no matter where I go AMX is accepted almost everywhere VISA is accepted, but the difference in my wallet is the additional protections that AMX provides just because I am an AMX member. I have seen a commercial that ask the question “What’s in your wallet?” The question that AMX answers for me is “Do I have the piece of mind knowing that my purchases are protected by the card of my choice.” Thanks AMX for giving me that piece of mind with every purchase I make!

by BigS_rulz

2 days ago I decided to get a new this app Platinum credit card (yes, the expensive one with the $550 annual fee). I have Chase Private Client but decided to see what all the travel hype was about. I want a premium experience and fancy lounge access. This card seemed to have the best benefits on the market. However, they forgot to tell me it also has the WORST app experience in the business. I have spent 2 days trying to enroll in the benefits digitally and the link has been broken both days. Within Amex it takes you into a browser experience to sign up (yes, seriously, this app hasn’t invested in a native experience and we’re in 2019!). After calls to the call center, safari browser app struggles and native client app reloads I finally seemed to enroll in half the benefits. I’m trying to stay strong through this extremely painful experience. May lord give me the strength to endure this torture.

by Michelle R W

I bought plane tickets for my vacation, specifically on my American Express, because they had an offer. I have never used offers on my American Express, but figured I would start using them. I was trying to decide which credit card I would use to buy my plane tickets, because I wanted to see which one would provide me with the best benefits. Seeing this offer on American Express, I went and bought my plane tickets (purposely from Delta). Two days later when I bought the tickets, the offer was no longer there. Although, When I had seen the offer it had an expiration, so I made sure to buy my tickets by then. I called American Express to see if there was something they could do, and they said no, I should have put the offer “in my cart.” The terms were not clear when looking at the expiration date. I have since sent a letter to customer service, with no response. I have paid off my American Express and will no longer be using the card. Too bad you guys lost a good customer over a couple bucks.

by Rthsiung

My partner and I have a joint account and it is impossible to understand who should be paying what amount through Amex . When you tap “Make a payment” the only options that appear are for the account as a whole, without any clarity around which charges are whose. What makes this even more confusing is that I’m not able to view the charges made by my partner. I see only my charges and then a total that includes both of our charges, and if I want to pay for just my charges I have to manually add them all up (or wait until I’m at my desktop computer and use the website). This makes Amex entirely impossible to use to make the appropriate payment amount, which is the primary reason I downloaded Amex . The website isn’t that much clearer but at least it totals up my charges for me, even though it took a lot of comparing my account with my partner’s account to even figure out which numbers meant what.

by JefrVS

I use Amex to view my bills, charges, and deals. The most frustrating part about Amex is the Concierge Chat for platinum and centurion members. The chat consistently drops connection and I then need to wait again to connect to someone who can help me. I get notifications from Amex and when I click to chat, it takes me to the main screen and shows a chat bar at the bottom so I cannot access the chat option. How can I respond when I can’t see the message? I have better luck closing Amex and reopening it, then navigating to the chat section. Otherwise I cannot get to it from the notification or it disconnects and my messages do not send. The chat is also a second thought- it’s hidden in a “Contact Us” menu in settings. I’ve been a member since 2005 and an authorized user long before that- I love the service but this is extremely frustrating when I’m trying to handle something while I am unavailable to speak.

by Raynaaa

I’ve been with this app forever and have always loved their app. I recently received information about this app’s High Yield Savings Account so I signed up for it thinking that everything would be in Amex . However, I just found out that it’s not. I have to have a separate credit card login from my savings account login. Seems like they would be able to link the accounts and have them all in one place, no? It would be a 5 out of 5 app if I could see ALL of my this app accounts in one place. At this point, an app for savings account owners doesn’t exist, we are expected to log in via a browser, which may seem like a small deal to some, but is kind of inconvenient not only to remember different login credentials but to go through a web browser when we want to view our savings account.

by Why Oh Why Cant I

Amex seems to work as it should I like the fact that you can add your bank account and just pay your bill electronically I’m happy with the card and Amex so I gave it four stars I would’ve given it five stars the only reason why I held back the last star is I wish the developers of Amex would allow me to make a payment as long as I have a balance even though there might not be a payment required at that time and so with that being said you have to wait to make a payment even if you owed the money what I don’t like about that is I have to watch Amex to find out when is the earliest time I can make a payment to where I wish I could make a payment of at least the amount of the balance even if it hasn’t posted yet But aside from that one thing I’m very satisfied with Amex

by Quentin & Kayla

It will be 5 stars if The this app app has the same feature as Capital One and that is the instant lock feature. So if you ever want too lock your card for any reason you can by opening Amex and taping the lock button which will make your card inoperable until you unlock it. this app does this buy you have to do it on a laptop and the lock only lasts a week! With my Capital one card I can lock it within seconds on my cell! All credit cards should have this handy important feature! For now I only know of Capital One and Discover card that has it and for all other cards you have too go through the inconvenience of calling in and wasting lots of time too get an rep too lock it while all that time is being wasted your credit card could be used fraudulently if lost or stolen.

by Lashaunda L Jackson

I would like to first say I’ve been a proud customer of American Express for 4 years now, my husband was murdered in 2015 and I used my green card to cover the whole funeral cost, I had No!! issue what so ever, the customer service was above and beyond what I could of ever imagined, and at that time I had only been a member for 1 year. Being a woman of color this meant a lot to me and from that day on I vowed to be as loyal to American Express as they have to me, I would also have to say with being a customer with American Express I have found several vendors that before meeting myself had no interest in accepting American Express, and after talking with them they have accepted my card, I would like to thank Sawtooth Roofing and Multiphase Electric but most of all American Express.

Lashaunda L Jackson

by Buchster

With most major-corporations’ apps, you can have a reasonable expectation that Amex is going to work pretty well and be updated regularly. Some have more features than others, and most will have a significant subset of capabilities that require you to either use the full website on a computer (not a mobile device) or even call them. American Express’s app is the exception: I’ve found very few edge cases where the full website or a phone call is required. Example: Amex will let you order a replacement card, enroll for most of the benefits, see history far back.
It’s updated regularly and works well. A good reason for me to remain a cardmember as I have been since 1996

by Twedy-eight

I arrived in Canada for a conference! I get to my Hotel to check in. I used my business credit card already on file at the hotel. I check in and go to my room. The phone rings about 15 minutes later and it’s the front desk. The clerk politely tells me that my business card was declined. To say the least, I was embarrassed. It was on a Saturday and my office was closed and the financial institution for my business account. I ask the clerk do you accept American Express and she replied certainly. What a relief it is for me to own the card!! Not only did I use it but my transaction showed up on my alert instantly because of Amex I have for my account. It’s great and easy to use! Thank you American Express! I will never leave home without it👍🏽

by LBJETS1

I have been a black card holder since 1999, i was one of the first and by far they are the best credit card company in the planet. If we have to use another card and there is a dispute, forget about it. You better just pray, they make you jump through crazy hoops and they do not fight for you.
All of the cards can run a transaction, the true test of a company’s weight is what happens when things go wrong. I have never had a dispute not go in my favor. I also have never disputed anything that should not be disputed. I had a terrible situation with another card and i finally just paid the bill out of frustration. They were doing everything and anything possible to fight me rather then the person that ripped me off.

by App Reviewer 43

Ease of use, everything you would expect in a credit card app and more! Now there’s “plan it/Pay it” buttons for every expense. If you get hit with a large expense, you can “plan it” and pay it off in 3,6 or 9 months. Sure, it costs you a fee to break up one charge into pieces, the more pieces, the higher the fee, but it can be a lifesaver if your income is fixed. You’ll see offers in between your purchases as well, like an ongoing discount for your AT&T phone bill if you set it for autopay using your this app credit card. I got this app for the Delta Skymiles, but I was pleasantly surprised to find these features Citi and Chase don’t offer. Remember to pay your statement balance on the card every month so you don’t pay interest.

by Lingophile

It’s amazing how fast my transactions show on my cellphone when I use Amex. For example while at a McDonald’s in Auckland, New Zealand, I put my American Express Card in their self checkout machine and ordered my meal. Before it could print out the receipt locally I received notification on my phone that the charge had gone thru. Now I realize that we are getting used to quickness I. This day and age but just consider how remote a landmass New Zealand is and how far the signal has to travel from satellite to ground and through how many servers etc. and you see the transaction instantaneously before the receipt prints out right before you in the McDonald’s? That is nothing short of amazing and makes me want to even use the card even more.