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American Express Credit Cards, Rewards & Banking Review

Depends

Should I use American Express Credit Cards, Rewards & Banking?

American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more. - americanexpress.com

· 1 month ago

Buy if you spend heavily, travel, and pay in full — the rewards and service justify card fees. Skip it if you carry a balance, want a simple no-fee card, or have below-good credit.

Confidence

Medium. Based on 12 public sources: 6 card reviews, 4 security reports, 1 news piece, official site.

Ratings

  • Value for money
  • Ease of useNo usability evidence in sources reviewed.
  • Feature depth
  • Support quality
  • Security posture

Pricing

Not disclosed

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed

Best for

  • Frequent travelers who use perks
  • Households with heavy supermarket spend
  • Small business owners
  • People who pay balances in full monthly

Not for

  • Anyone carrying a month-to-month balance
  • People wanting a simple no-fee card
  • Applicants below good credit — approval bars vary by card
  • Travelers needing near-universal acceptance abroad

Gotchas - check before you buy

high

466 Trustpilot reviewers report disappointment despite strong editorial ratings — a service gap

medium

Not all cards earn Membership Rewards — verify the earning structure before applying

medium

March 2024 breach tied to point-of-sale compromise; monitor statements and alerts

Pros and cons

Pros

  • 3% cash back at U.S. supermarkets on leading cards
  • Known for top-notch customer service in editorial reviews
  • Best-card lists rank Amex rewards programs highly
  • Wide ecosystem: cards, travel, banking, business services, insurance
  • Works via Alipay for payments in China

Cons

  • 466 Trustpilot reviewers: most were let down
  • Not all Amex cards earn Membership Rewards points
  • Disclosed data breach in March 2024
  • Overseas acceptance limited; China needs Alipay workaround

Sources & method

- 12 sources - Mature security program with a HackerOne response policy; one disclosed breach in March 2024.

official x1review x6security x4news x1
  • March 2024 data breach disclosure, Amex disclosed a breach in early March 2024, attributed in reviewed sources to a point-of-sale compromise.

Key stats

  • Value for money: 3/5

    Rating

  • Not disclosed

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 3/5. Strong rewards, but 466 Trustpilot reviewers feel shortchanged.
  • Ease of use. No usability evidence in sources reviewed.
  • Feature depth: 4/5. Cards, travel, banking, business services, insurance under one roof.
  • Support quality: 4/5. US News praises service; Trustpilot reviewers disagree.
  • Security posture: 3/5. Mature program with bug bounty; 2024 breach disclosed.
  • 3% Supermarket cash back At U.S. supermarkets (NerdWallet)
  • 466 Trustpilot reviews Most reviewers were let down
  • #10 Fortune Most Admired rank World's Most Admired Companies, 2025

Pricing

Not disclosed

Security

Mature security program with a HackerOne response policy; one disclosed breach in March 2024.

  • March 2024 data breach disclosureAmex disclosed a breach in early March 2024, attributed in reviewed sources to a point-of-sale compromise.10

What users say

Editorial reviewers rate Amex cards among the best for rewards and service, but Trustpilot users were mostly disappointed.

“Considering 466 reviews , most reviewers were let down”
Trustpilot
“It's known for its top-notch customer service and some of the best rew”
U.S. News review
“This card earns 3% cash back at U.S. supermarkets”
NerdWallet review

Alternatives

Compare American Express Credit Cards, Rewards & Banking with each alternative.

Full analysis

Based on 12 public sources: 6 card reviews, 4 security reports, 1 news piece, official site.

Great rewards and service for big spenders who pay in full; overkill if you carry a balance or want a simple no-fee card.

Methodology

Based on 12 public sources: 6 card reviews, 4 security reports, 1 news piece, official site.

Read how a report is made.

Sources

  1. Best American Express Cards — NerdWalletnerdwallet.com
    review
  2. 12 Best American Express Credit Cards — The Points Guythepointsguy.com
    review
  3. American Express Credit Card Reviews — WalletHubwallethub.com
    review
  4. American Express Global Reviews — Trustpilottrustpilot.com
    review
  5. Best American Express Credit Cards — U.S. Newsmoney.usnews.com
    review
  6. Best American Express Credit Cards — Bankratebankrate.com
    review
  7. American Express Security Rating — UpGuardupguard.com
    security
  8. American Express Response Policy — HackerOnehackerone.com
    security
  9. American Express data breach — PureIDpureid.io
    security
  10. American Express Data Breach March 2024 — Security Blueprintssecurityblueprints.io
    security
  11. Does Amex work in China? — Wisewise.com
    news
  12. American Express official siteamericanexpress.com
    official

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