American Express Credit Cards, Rewards & Banking
Depends
Confidence: Medium
Buy if you spend heavily, travel, and pay in full . the rewards and service justify card fees.
Comparison
American Express Credit Cards, Rewards & Banking vs Discover - Personal Banking, Credit Cards & Loans
American Express Credit Cards, Rewards & Banking and Discover - Personal Banking, Credit Cards & Loans both land on Depends.
Discover - Personal Banking, Credit Cards & Loans
Depends
Confidence: Medium
A reasonable pick for US consumers who want online banking, a cash-back card, or a fixed-rate personal loan with no origination fee.
| Compare | American Express Credit Cards, Rewards & Banking | Discover - Personal Banking, Credit Cards & Loans |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Frequent travelers who use perks | US consumers wanting online-only banking |
| Who it's not for | Anyone carrying a month-to-month balance | Businesses . this is consumer banking, no corporate accounts here |
| Privacy | Mature security program with a public HackerOne response policy; one disclosed breach in March 2024.10 | No known public vulnerabilities found in the sources reviewed; one 2019 vendor breach led to card reissue.15 |
| Support quality | US News praises service; Trustpilot reviewers disagree. | Only a job listing and marketing text found |
| Public sentiment | Editorial reviewers rate Amex cards among the best for rewards and service, but Trustpilot users were mostly disappointed.⁴ | Genuine customer reviews are scarce in the sources reviewed . most mentions are spam mirrors, though users do report login issues and card-switching frustration. |
| Biggest gotcha | 466 Trustpilot reviewers report disappointment despite strong editorial ratings . a service gap⁴ | 2019 breach forced card reissues . ask what has changed before opening an account.15 |
Pick American Express Credit Cards, Rewards & Banking when
- Frequent travelers who use perks
- Households with heavy supermarket spend
- Small business owners
- People who pay balances in full monthly
When American Express Credit Cards, Rewards & Banking is not a fit
- 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
Pick Discover - Personal Banking, Credit Cards & Loans when
- US consumers wanting online-only banking
- Cash-back credit card users
- Debt consolidation via fixed-rate personal loans
- People who never visit branches
When Discover - Personal Banking, Credit Cards & Loans is not a fit
- Businesses . this is consumer banking, no corporate accounts here
- International travelers . foreign ATM access is unproven in evidence
- Cash-heavy users who deposit at physical branches
- Anyone wanting face-to-face banking service
Sources
- Best American Express Cards . NerdWalletnerdwallet.comreview
- 12 Best American Express Credit Cards . The Points Guythepointsguy.comreview
- American Express Credit Card Reviews . WalletHubwallethub.comreview
- American Express Global Reviews . Trustpilottrustpilot.comreview
- Best American Express Credit Cards . U.S. Newsmoney.usnews.comreview
- Best American Express Credit Cards . Bankratebankrate.comreview
- American Express Security Rating . UpGuardupguard.comsecurity
- American Express Response Policy . HackerOnehackerone.comsecurity
security
- American Express Data Breach March 2024 . Security Blueprintssecurityblueprints.iosecurity
- Does Amex work in China? . Wisewise.comnews
- American Express official siteamericanexpress.comofficial
official
- Discover.com Reviews and Reputation (95/100 Trust Score)gridinsoft.comreview
- Discover Issues New Cards Following Data Breachdarkreading.comsecurity
- Discover Shows Strength in Cards, Vulnerability Elsewhereamericanbanker.comnews