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
3.9/5 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 05/15/2026.
American Express offers extremely competitive personal loan terms. The loans have very low APRs, at 6.99% - 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:6.99% - 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
5/5
Requirements & Application
2.8/5
Reviews & Transparency
3/5
Overall Score
10.8/15
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
Daniel Randel @dangeter
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1 Star Rating
no consumer protection and very limited on merchants that except thier card
If you are searching for a card DO NOT go with AMEX!! For starters, you have to jump through so many hoops with the automated system just to speak to an actual person, and then you won't receive any help. I originally received a credit limit of $20k and everything was fine for the 3 years I had it, until they randomly decided to cut my available credit limit to only $9,600! Doing so caused my credit utilization to go from about 45% up to 100% since cutting my limit put my balance at the max amount. I called to negotiate with them to give me my original credit limit back if I paid the balance in full and they flat out told me no. All of my hard work trying to fix my credit has been ruined by this awful company. All of my other cards have been great and I've had no issues. Stay far far away from AMEX!
They canceled my account without warning, saying the business account that they allowed me to link to it was against their terms. If it’s against your terms (and why does it matter?!), then why do you allow me to add it? I canceled my credit card after 10+ years as a Preferred member. I don’t want to do business with a business without honor.
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Product: American Express Savings
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American Express
joe dube @dubejoe
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1 Star Rating
American Express is a very poor excuse for a credit card company 13 years never missed a payment and they cut my card limit in half then a year later do it again(after) you make a purchase and then say your over your limit I don’t think that’s legal never again will I ever make a purchase with there card I will pay it off and throw it away they are insane
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Product: American Express Credit Cards
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American Express
Chris Borger @ctborger
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1 Star Rating
They did not meet my expectations to protect against fraudulent charges. Thanks for trying out for varsity. I'm also surprised Delta partners with them, not the best decision for their brand.
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Product: American Express Credit Cards
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American Express
Jaime @jaimehal
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4 Star Rating
Verified Customer
They move credit limit randomly affecting availability of credit, never had a late payment, I lose incentive to use the card to keep the benefits of the card to accrue higher Delta Medallion Status, which is the whole purpose for the specific credit card.
Wow, after 30 + years with them, I would never recommend them. The new process they use to evaluate your credit worthiness is absolutely random. If you have business and personal cards with them, they will change your credit limits in a day, so the things you have recurring charges will start to bounce. I run a business and had no limit until I accidentally made two payments, and the second bounced. You get busy; they will bounce your payment 3 times, then they will cap your limit to the balance on your card after they credit the bounced payment. Oh, and all your cards are frozen. This means that prior to payment, you had 60k. One 10k went through, but the second payment for 25k didn't, so the total on the card is 50k. They dropped your limit to 25k, so when they put the non-payment back on the card, you are over 25k over your limit. When you call, they tell you that it does not affect your credit limit. Oh my credit score is over 800.
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Product: American Express Business Services
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American Express
comayes @comayes
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1 Star Rating
Consumers should avoid this card at all costs. We never missed a payment, and we never even requested a credit limit increase, yet American Express raised our limit to $32,000 on their own. Then, while we were making the required minimum payments, they suddenly demanded a $4,000 payment, claiming we weren’t paying enough toward the balance. After that, they lowered our credit limit while keeping our interest rate at an outrageous 29.98%.
If they were truly concerned about helping customers manage debt responsibly, why refuse to lower the interest rate? Instead, they increase risk, penalize the customer, and profit from crushing interest charges. That feels less like customer service and more like corporate greed.
Based on our experience, stay away from this credit card. Read the fine print, protect yourself, and think twice before doing business with American Express.
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Product: American Express Credit Cards
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American Express
Joshua Lombardo @sosohai954
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1 Star Rating
In February, I made the mistake of using Apple Pay to load money onto my Hard Rock casino account. After realizing, I put it on my AMEX I called immediately. I was told by a representative that since I made payment so quickly I would only be incurring cash advanced interest for the days in between the charge and the Post date of my payment. After going back-and-forth with customer service, they opened a case on March 12 still no determination. Based on the attitude and demeanor of Leanne, the supervisor didn’t sound like AMEX cares. Because this is not a dispute, American Express will not even follow up with me to let me the customer know the outcome of the situation. I’m being told that I have to call in every so often to find out whether or not my case is still open or approved or denied. I find this misleading. If representative says one thing you should be held accountable
Update: on April 10th I spoke with someone from Amex management. She supposedly pulled the call and nothing of the sort was said. I was told the only way I can listen to the calls if I supply subpoena.
My wife was in the room while the call was on speaker. I was told one thing and now Amex is doubling down.
RECORD ALL PHONE CALLS WITH AMEX
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Product: American Express Credit Cards
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American Express
Eduardo Travieso @eddyt1972
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1 Star Rating
AE decided to change the blue sky credit card to magnet card. The previous benefits disappeared, but the worse part I had more than 60k points that was the equivalent to $800 and they converted that in $600 statement to the balance. RIDICULOUS AND UNFAIR
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Product: American Express Credit Cards
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American Express
Alan Miceli @almiceli
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1 Star Rating
I have had a Amex platinum for over 30 years. I have a total of 2 complaints for charges that were in my opinion, a scam. Both pretended to be someone else online and both displayed a no refund policy. The latest was a travel site pretending to be the Omni Hotel in Richmond. I booked an extra day by mistake, thinking it will be no problem (hotels always allow you to reduce your stay if given enough notice) I called Amex less than an hour after my purchase and was told they couldn't do anything. I thought Amex would stand behind scammers but apparently they do not care that their cardholders are being scammed. I was told this merchant is their customer too and I authorized the charge. Way to back your cardholders! I will be closing this account as soon as I transfer my over a million points. Moral of the story - Just use your free Visa card. At least you wont have to pay $900.00 a year for them to do nothing for you.
They intentionally make it difficult to sync your transaction data with other vendors. Requiring confirmations that you logged in or else the data won't sync every other week. Its very annoying – just provide access to the data like every other institution. This should be a basic feature considering we pay over a $1,100 in membership fees for these cards per year.
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Product: American Express Credit Cards
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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, you can also contact them online.
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...
Yes, American Express does offer travel insurance on some of its cards. Travel insurance can reimburse cardholders for canceled trips, travel delays, and baggage loss. To qualify for travel insurance coverage, you'll need to pay for your travel using an eligible American Express card and file a claim shortly after a covered incident. To learn more, check out WalletHub's WalletHub's travel insurance study.
Best American Express Cards With Insurance Benefits
You can make an American Express credit card payment online, by phone, through the American Express mobile app, by mail or at a branch. To pay an American Express credit card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. American Express does allow cardholders to set up automatic payments, too.
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 it. 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 to other Amex...
American Express offers rental car insurance as a complimentary benefit on all American Express-branded credit cards. American Express rental car insurance covers damage or theft of a rental vehicle. Geographic restrictions also apply.
Cardholders are covered up to $50,000 - $75,000 per rental agreement for rental car damage or theft, depending on the card. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with an...
No, the Platinum Card® does not offer a 100K point bonus anymore. The current offer is as high as 175,000 points for spending $12,000 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 $12,000 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 $12,000 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.
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.
$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.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$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.
$400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. 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.
$209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your 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, when available, and guaranteed 4PM check-out.
$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.
Terms Apply.
The Platinum Card® is a good card for high-spending frequent travelers with at least good...
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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.
