American Express is best known as a credit card company and for being one of the four major payment card networks in the U.S., but it offers a lot of other financial products, too. Here are some key things to know about American Express:
F BBB rating
[company-user-reviews id="13000208"]/5 average rating among users
Offers credit cards, debit cards, prepaid cards, gift cards, bank accounts, personal loans, travel services, and financial solutions for businesses.
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 12/11/2025.
American Express offers extremely competitive personal loan terms. The loans have very low APRs, at 6.9% - 19.97%. In addition, Amex has a 0% origination fee, which serves to make their loans even cheaper.
American Express personal loans require a credit score of at least 660 for approval, which is a common benchmark for personal loan providers. To be eligible to apply, you’ll need to be at least 18 years old and a U.S. citizen or permanent resident. You’ll also need an existing Amex credit card account and a Social Security number.
American Express Personal Loan Review Highlights:
Rates:6.9% - 19.97%
Origination fee:0%
Late fee:$39
Processing timeline:As soon as 1 day after approval
Requirements:660 credit score, U.S. citizen or permanent resident, SSN, Amex credit card account
Loan amounts: $3,500 - $40,000
Payoff periods:12 - 60 months
Customer satisfaction: F rating from the Better Business Bureau (no longer accredited due to recent litigations) and an average user rating of 3.9/5 on WalletHub
Pre-qualification: Available online if you have an Amex credit card
Co-signer policy: Not allowed
The bottom line is that American Express personal loans are inexpensive and offer a large amount of funding. Below, you can see how WalletHub rates them across three major categories: Terms, Requirements & Application, and Reviews & Transparency.
American Express Personal Loan Ratings by Category:
Category
Editor’s Rating
Terms
4.8/5
Requirements & Application
4/5
Reviews & Transparency
3/5
Overall Score
11.8/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
American Express Serve is one of our favorite prepaid cards. It offers everything you need to say goodbye to your checking account or to check-cashing stores at a price point that’s hard to beat. Serve’s free online bill pay feature allows you to pay billers that don’t accept plastic, and its free mobile app enables you to fund your account simply by taking a picture of a check. There are only two fees to even worry about and both are avoidable. If you direct deposit at least $500 each month and withdraw money exclusively from MoneyPass ATMs, of which there are more than 24,000 nationwide, then Amex Serve will be completely free to use. As such, Serve makes for a great replacement checking account, check-cashing service or financial literacy teaching tool. And that’s all you really need to know. But if you want more information, make sure to check out our full American Express Serve review.
All the 1 star reviews are from people who obviously cannot read. They expect to use it like a debit card, which it clearly is not. Others complain about issues that they themselves are at fault for.
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EF Seater @fseater1
Are you on crack? This card is HORRIBLE-better customer service at a biker bar...get ready not to be able to access your money and be treated like dirt by their supposed customer SERVICE-less
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EF Seater @fseater1
To submit a complaint, consumers can: Go online at www.consumerfinance.gov/complaint. Call the toll-free phone number at 1-855-411-CFPB (2372) or TTY/TDD phone number at 1-855-729-CFPB (2372) Fax the CFPB at 1-855-237-2392.Jul 21, 2014
Consumerfinance.gov › newsroom
CFPB Begins Accepting Consumer Complaints on Prepaid Cards and ...
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Jeffrey Phillips @ctjja32789
@jacobh19 maybe you should comment on your reviews, most of us leave good reviews also.
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American Express
TA Foree @tforee
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5 Star Rating
This has been one of the best cards I've had over the years. I've had it for approximately 40 years. Communication with them is straightforward and easy; we talk to a human and not a recording. Their statements are easy to read, and their customer service is excellent. Their rewards are great. I get a selection of the kind of rewards I want, and I usually choose dining reward cards and department store reward cards.
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Product: American Express Credit Cards
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American Express
Benjamin Legum @benjamin_legum
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1 Star Rating
When inquiring about upgrading the card from Gold to Silver, the sales associate misled me by stating I could get my prorated membership fees back if not satisfied. The AmEx Platinum Card benefits and customer service were very underwhelming on every level. It took multiple calls to get customer service to cancel the card. The customer service department would not refund my prorated membership fee. Philip Orencia, employee #86422, did not even try to find a solution. I was a member since 2008. This is how bad their customer service has been and has repeatedly demonstrated over the past few months.
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Product: American Express Credit Cards
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American Express
visualize @visualize
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1 Star Rating
Their automated phone system is so bad, both automated and with inadequate capacity, and with no line through which you can call a real person, that one cannot get fraud concerns totally rectified. I'm almost ready to cut my Amex Amazon Prime Card in half. My contact number is [redacted]. My name is David Pritchard.
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Product: American Express Credit Cards
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American Express
Angela Munson @toojazzy
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5 Star Rating
Verified Customer
American Express personal loans are the best. Preapprovals and soft pulls are available if you already have products with them. I started with a 10K loan offer and finally received a 42K offer at 8.99%. I only took out $25K and paid it back in several months to build credit.
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Product: American Express Personal Loans
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American Express
Ed Freed @erfreed
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1 Star Rating
Careful with this card. I received a special targeted 15-month 0% promo in the mail, but somehow I was only approved for the 12-month one. It was a headache dealing with AMEX the entire time I had this card. They were very uncooperative.
They are the most difficult credit card companies to deal with. The prestige American Express once possessed has long since faded. The only thing unique is that their fees are much higher than Visa or Mastercard. I applied twice for a card with an 840 credit score and was rejected both times. The last time it happened, I applied at Citibank and Chase and the cards were approved immediately, each having over $12,000 as the credit line. They need to improve; they are becoming obsolete.
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Product: American Express Credit Cards
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American Express
dspine27 @dspine27
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1 Star Rating
AVOID AT ALL COSTS. A $600 charge on a credit card I had in my possession, yet fraud will not remove. Absolute worst service, yet I can prove my location at the exact time of the charge. Amex is engaging in fraud.
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Product: American Express Credit Cards
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American Express
Rudolph Williams @chipw44
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5 Star Rating
I have had the Bluebird card for 10 years. I have enjoyed having it and will miss it when it is gone in a few months. Thanks, American Express.
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Product: American Express Prepaid Cards
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American Express
JR @jthomas3391
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1 Star Rating
Worthless credit card. They don't care about you at all. You're just a number. Missed the fine print over a 60-day limit for balance transfers. I couldn't make the payment due to waiting on an insurance check, went over by 13 days and they still refused to give a balance transfer offer. The only thing excluding me was the 13 days and the only thing preventing it was them just being unwilling to say yes. Perfect credit, perfect accounts, but miss a timeline and they don't care about you at all.
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Product: American Express Credit Cards
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American Express
Tamairo_Moutry @Tamairo_Moutry
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1 Star Rating
It's amusing that they offer the option to pay over time for the business platinum card, but it seems they don't actually favor this approach. Once the card is used, email notifications flood in, warning of potential declines and scrutinizing future purchases. If a company offers a service, it should adhere to its promises. This does not reflect the standards of a four-star company. Badgering customers, especially if they happen to be late occasionally, without offering any extra benefits or living up to the card's advertised perks is disappointing. I am relieved that they closed my card today. Losing my father has taken a toll on me this year, and their payment system hasn't been accommodating, making it difficult for me to pay from my phone due to constant issues with email verification codes. I would expect a billion-dollar company to have a more user-friendly system. Moreover, their customer service has been unsatisfactory. I have no intention of reopening the card or seeking a reconsideration. During a phone call to make my payment today, I emphasized that I did not wish to reactivate the card or reconsider my decision. There's no reason to plead with any company to accept my business. And why should I accept a card whose benefits do not justify the offers they promote? I believe I will be treated better by another credit card company. I certainly won't miss paying a nine hundred dollar annual initiation fee. By not having the card, I will be saving that amount. They have lost a valuable customer. Some may view this card as a status symbol, but to me, it's not worth it, and neither is the company. Since they closed my account, I will make payments of twenty-five dollars a month until I settle the full balance. Just today, they mentioned sending the account to a collection agency, as if I lacked funds, when I have thousands in the bank. I made a four hundred and twenty dollar payment today, and that will be the last substantial payment from me since they've cancelled my card. From now on, it will be twenty-five dollars a month. Ultimately, the notion that we're even obligated to pay these bills is debatable. In reality, we are the creditors, and they are the debtors. I look forward to the day when this system is overhauled and power is restored to the people.
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Product: American Express Credit Cards
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American Express
zeeliffmanny @zeeliffmanny
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1 Star Rating
If you're ever in a situation where you need to file a dispute claim for their blue credit card, you're going to be in for some tough luck. Their customer service is ridiculously subpar, they keep pushing the resolution date further and further, and they will not credit the amount back to your card. Now, I’m stuck paying for a rental car that was both cancelled and never driven. I strongly dislike American Express. I thought that they were better than this. I could only recommend American Express to an enemy.
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Product: American Express Credit Cards
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American Express
Chantalle Spencer @chspencer320
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1 Star Rating
After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter-century—I never expected the company to show such a stunning lack of appreciation for my loyalty.
I recently paid my balance in full less than 24 hours after it posted, only to find a $40 fee added to my account. Given my long, responsible track record, I expected what any reasonable customer would: a quick review, a moment of common sense, and a simple one-time courtesy waiver. Instead, I was met with a flat, impersonal refusal—no exception could be made.
It's not the $40 that matters. It's the disrespect.
American Express has long marketed itself as the gold standard of customer service and premium care, but when given the opportunity to demonstrate those values to a loyal, decades-long customer, it hid behind rigid policy rather than exercising even a shred of discretion.
The irony is that with my excellent credit score, I receive multiple credit card offers every week, many with better perks, more flexible customer service, and superior rewards. Until now, I stayed with American Express out of loyalty and habit. But this experience made one thing painfully clear: that loyalty is not reciprocated.
As a result, I will be closing my American Express account and seriously considering one of the many competing cards eager to treat reliable customers with the respect they deserve.
If this is how American Express chooses to value a customer of 25+ years, they shouldn't be surprised when those customers decide to take their business elsewhere.
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Product: American Express Credit Cards
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American Express
jcooperwork @jcooperwork
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1 Star Rating
American Express has changed their service and features so much in the last year that I am dropping all premium services and personal spending next year
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Product: American Express Business Services
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WalletHub Awards
American Express has won the following WalletHub Awards:
Get answers to your questions about American Express below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
To talk to American Express customer service, call 1-800-528-4800 and then say "representative" and enter your Social Security number. This process will get you in contact with a live American Express representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to American Express Customer Service by Phone
Call the American Express customer service department at 1-800-528-4800.
Say "representative."
Enter your Social Security number.
Speak to the live representative.
If you can't or don't want to talk to American Express customer service over the phone, there are a few alternatives.
Depending on the type of financial product you are calling about, there may also be a more specific number for you to call than the general American Express customer service phone number. Below, you can find more details about the best number to call for various products.
While calling these individual numbers could shorten the amount of time it takes to get your issue solved, you should ultimately be able to get help with inquiries about any product through the main American Express customer service number.
To log in to your American Express credit card account, go to the login page on the American Express website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log In” to access your online account. If you don't already have an account, you will need to start by clicking “Create New Online Account” in order to set up a username and password.
The best Platinum Card® benefits are baggage insurance and return protection. This card also offers extended warranty and purchase protection, which are more common perks across American Express cards.
The Platinum Card® is special because it is a premium metal card that offers big-spenders elite perks. Benefits include airport lounge access, annual travel credits, 24/7 concierge service, and more. Plus, you can earn 1 - 5 points per $1 spent on purchases.
What Makes Platinum Card® So Special
Travel benefits: Airport lounge access, annual travel credits, Global Entry/TSA PreCheck® credit, hotel elite status, and more. Enrollment is required for some of these benefits.
Rewards program:5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases. The rewards...
To get a Black Card from American Express, you must receive an invitation to apply, get approved, and pay the $10,000 initiation fee. Amex customers may call customer service and request an invitation for the Black Card, though there is no guarantee you'll receive an invitation to apply. The Amex Black Card is officially called the Centurion® Card from American Express, and it is reportedly reserved for customers with excellent credit who charge hundreds of thousands of dollars per year...
American Express rental car insurance covers rental car damage or theft, accidental injury, accidental death or dismemberment, and personal property damage. Cardholders are covered up to $50,000 - $75,000 per rental agreement for rental car damage or theft, depending on the card they have. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with an American Express credit card or points or cash back rewards.
No, the Platinum Card® does not offer a 100K point bonus anymore. The current offer is as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points).
Once you've met the spending requirement for the Platinum Card®'s bonus, the points will post to your account within 8-12 weeks. In addition to the welcome offer, the Platinum Card® offers many other benefits and extensive ongoing rewards.
Platinum Card®'s Rewards & Perks
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Terms Apply.
The Platinum Card® is a good card for high-spending frequent travelers with at least good...
To log in to your Hilton Credit Card account, go to the login page on the American Express website or mobile app and enter your username and password in the appropriate fields. Then, click the "Log In" button to access your online account. If you don't already have an account, you will need to start by clicking "Create New Online Account" in order to set up a username and password.
American Express Global Business Travel is a company that provides administrative support for businesses that need to plan travel and set up meetings for their employees. For example, Amex GBT will help the business create efficient and cost-effective travel plans. It will also find ways to save on trips, identify safety threats, streamline booking, etc. In addition to travel services, Amex GBT helps with planning events and meetings, including booking venues and facilitating virtual conferences.
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We work hard to show you up-to-date product terms, however, this information does
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Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
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* The information about the following cards has been independently collected
by WalletHub: Centurion® Card from American Express and American Express® Green Card.
