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:
A+ 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 08/09/2022.
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Reginald H @reginaldhtongejr
5 Star Rating
Opened the card in September with 746TU 745EQ 735EXP. Was approved for the card with a $1000 limit which was weird after being approved for CSP with an $13,400 limit. Also, the threshold for the bonus was $2000. But I went with it. Used it for gas food and some hotels, paid it off as soon as I used it or paid balance in full before statement closing. In December, I requested a CL increase and was bumped to $5000. Kept paying and using similar. In June was bumped to $10,000. So yes......slow start on the card but with proper use and payments you will get the better limits.
Earning 12x at hotels is great especially when combined with Gold (which you get automatically with the card) or Diamond status. You basically end up earning 32x/$1. Plus Hilton has great bonuses like double points or triple points if you use their card (which adds up to around 54x. They add up quick!
Use it for gas, food shopping and dining and earn 6x per dollar. If you drive and buy groceries, again, adds up quickly.
When you hit $15k, the free night certificate has no point limit so you can use it for a night in any market for even the fanciest hotels (Conrad, Waldorf, etc.)
The $95/year isn't bad for the perks at all. Including 10 priority pass uses per year. And alot of the AMEX Offers are pretty useful.
Perks are pretty great. I would definitely give the card at least a 4.5/5.
I wish i could give them ZERO stars. They don't have poor customer service, they have NO customer service. I have called them and used their chat system and they either don't answer or ghost me. When i do speak to a customer service "supervisor", they say they don't have the authority to help me.
Upgraded my SkyMiles platinum to Reserve and glad I did. Yes, the annual fee is high, but after getting companion certificates, TSA precheck, CLEAR access, no-fee baggage, lounge guest passes and lounge access, the $550 is TOTALLY worth it.
I travel about once every 2 months (so not frequent, but enough) and hate waiting by the gates. Lounges are totally worth it. You get great complimentary food and drink, comfortable seating, wifi and even showers. It really makes travelling enjoyable. LAX has re-opened the Centurion Lounge and I cannot wait to check it out this month.
AMEX customer service has always been superb for me. They are not perfect, but I would rate them much better than most.
I did get to use my companion certificates this year (in late August) and that has been worth the annual fee alone. Airfares are through the roof right now. I got 2-round trip tickets from LAX to MIA for under $160 (air tax?) I also used the card's miles for a later trip to Miami and paid a total of $448 for two round-trip tickets coast-to-coast.
My only complaint is that Delta's 787 Dreamliner order was cancelled. Flying those jetliners across the country are such a joy but I guess I have to fly American if I want to fly on those.
I received a voucher from Delta in the mail during the first week of May 2022 with an offer to earn 65,000 bonus miles instead of the 40,000 miles after spending $2,000 in eligible purchases during the first three months. The offer also mentioned my full name as well as my Skymiles and said to apply today using my SkyMiles numbers (please see attached pictures).
I followed what the offer said and got approved for a Delta American Express Gold card. I spent the $2,000 as needed and got my credit card in the mail before the offer ended which was 06.08.2022. However, I logged onto my delta account and only saw 40,000 miles credited into my SkyMiles. I contacted the customer service line for Delta and they instructed me to call the customer service line for American Express. I proceeded to call American Express and customer service said they'll open an investigation and asked for my POID number which I gave to them. Nothing happened and I called again after 15 days to follow up. They asked me for POID number again which I gave and they said they will investigate again. I called for a third time and asked to speak to a supervisor, he said his name is Diego (employee number ###4164) and he gave me the most incomprehensible, unreasonable, unexplainable answer. He said the offer was not found and he was not able to tell me what the voucher I received means or where is it coming from. I offered to take photos and email him the voucher I got in the mail, and he declined. The worst part about all of this is he said "you could be saying anything" regarding the voucher even though I had it in hand. I asked if I could escalate it and he said "there is nothing we can do", and then I asked to speak to his supervisor and he refused. It sounded like his answers were inconsistent.
In brief, I received a letter with a promotion from Delta and I applied by following the exact instruction, but Amex was not able to honor the promotion they promised their customer, and refused to investigate the matter whilst being rude and unprofessional. I guess I don't understand why Delta and Amex could lie to their customer and could not fulfill 25,000 mile difference which is around $250. I believe this is an absolute fraud. I want to express my disappointment and frustration with a big company like this for lying to me and refusing to offer to help. And I hope people reading this don't ever do business with them.
How to Log in to a Hilton American Express Credit Card Account
Register your Hilton American Express credit card for online account access. "Create New Online Account" and enter your card number and 4-digit card ID to verify your credit card account.
Choose your Hilton American Express credit card username and password. The username must be between 5 and 20 characters with no special characters and no spaces. The password must contain from 8 to 20 characters and have at least one letter and one number. The password is case sensitive and may contain special characters.
Log in with your new Hilton American Express credit card From the login page on the American Express website or mobile app, fill out the User ID and Password fields using your new credentials, then click “Log In” to access your account.
After you have signed up and logged in, you'll be able to manage your Hilton American Express credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click "Forgot User ID or Password?" on the American Express login page. Then, just follow the prompts to reset or retrieve your username or password.
The initial 100,000 points are worth enough to offset the cost of the American Express Platinum card's hefty $695 annual fee, at least for the first year. In addition to the welcome offer, the American Express Platinum card offers many other benefits and extensive ongoing rewards: 5 points per $1 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 through Amex, and 1 point per $1 on all other purchases.
Once you've met the spending requirement ($6,000 in the first 6 months) for the American Express Platinum card's bonus, the points will post to your account within 8-12 weeks.
If you're unfamiliar with foreign transaction fees, they're a surcharge for using a credit card with a foreign merchant. Credit cards with foreign fees usually charge 1%-3% of the purchase price. That can really add up, especially since Amex's 2.7% foreign fee is on the higher end of the spectrum.
Here are the American Express foreign transaction fees:
American Express cards with foreign transaction fees charge 2.7%.
Many American Express credit cards have no foreign transaction fees.
Amex foreign transaction fees apply when you buy things abroad or shop at foreign merchants online.
Some of the best American Express cards with 0% foreign fees include:
If you're looking for an international credit card, it's best to get one with no foreign transaction fees, and American Express does have a good selection. But American Express cards aren't accepted by nearly as many foreign merchants as Visa and Mastercard. So, you may find yourself somewhere your Amex won't work. And that's why it's probably better to have a Visa or Mastercard for travel.
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.
One thing to note is that American Express Global Business Travel isn't wholly owned by Amex, despite the name. In 2014, Amex sold 50% of the ownership to an investor group.
To activate an American Express card, visit the online activation page and enter the 15-digit Amex card number and 4-digit card ID, then click “Confirm.” On the next screen, verify your identity and complete the American Express card activation. You can also activate your American Express card through your mobile app, or by calling the Amex customer service at (800) 528-4800.
Here's how to activate your American Express card:
On the website: Visit the online activation page and enter the 15-digit Amex card number and 4-digit card ID, then click "Confirm." On the next screen, verify your identity and complete the American Express card activation.
Mobile App: Download the mobile app, scan your card with the phone's camera or enter its information manually. To get to this option, log in to the app using the same credentials that you'd use to log in online. Tap the credit card activation button, then enter the requested security information.
By phone: Call Amex customer service at (800) 528-4800 and get connected with a representative who can guide you through the activation process.