4.88★ from 4,399,448 ratings · version 7.33.0 · 22 of the last 70 written reviews are one or two stars
Sudden account restrictions and credit limit freezes
3of the 22 read·14%
Accounts face unexplained restrictions, frozen credit limits, and financial review demands despite perfect payment history.
›read 3 of these reviews
“Member since 2024 Canceling Card today — I found out this morning that my account is in financial review after calling to find out why my card was being declined with a zero dollar balance. Was told that they wanted to verify income and require detailed bank statement statements including financials, and spending habits, not three paystub’s like any other card company. I am canceling this card. Nothing is worth that…” — ★☆☆☆☆“Was a great company! — I have been a member since 2001. Never missed a payment in my life. With six credit accounts, one savings, and checking. I am treated like garbage. Restrictions and same credit limit since I opened my accounts many years ago. Best part: 0% credit utilization, as I pay my accounts in full every month. My personal gold card has a literal spending limit. What! Two years like this. I owe nothing…” — ★☆☆☆☆“Disappointed in Amex — Amex gives you credit and are threatened when you used your credit. My payment is 100% on time for many years, in the month of July alone I’ve paid back over 40k I have the platinum account which allows me the privilege of spending a certain amount, or atleast that was I thought, I didn’t even use as 25% of the allowed amount, they not only drop my credit limit on my platinum card, they dropped…” — ★☆☆☆☆
Missing or removed important app features
3of the 22 read·14%
Users cannot view APR rates, access statement history beyond one month, receive push notifications, or manage key account functions in-app.
›read 3 of these reviews
“No Push Notifications on Business Checking Accounts — The application does not allow you to receive push notifications for your business checking account debit card. I’m confused how American Express expects its business customers to manage their business funds when they cannot receive any notification when those funds are moved via debit card transactions. Without being able to receive these notifications, it makes…” — ★☆☆☆☆“It sucks — Statement online doesn’t allow customers to go back 2 years on account” — ★☆☆☆☆“You can no longer view interest rates in app — You can’t view your APR in-app any more, only on downloaded statements. This change feels a bit shady, like they don’t want customers to easily access important info about their card agreement. Shame on AMEX.” — ★☆☆☆☆
Unresponsive customer support and service issues
3of the 22 read·14%
Customer service refuses to help with billing errors, account closures, and disputes, causing financial and credit damage.
›read 3 of these reviews
“Help — Amex fails to work with customers regarding a autopay mistake and causes loss of money, time and credit score!” — ★☆☆☆☆“Terrible — Just a horrendous experience and terrible service. Will not even let me close out my account. I would never recommend doing business with this absolutely terrible company.” — ★☆☆☆☆“Having trouble with customer support — Too clunky” — ★★☆☆☆
Apple publishes the most recent written reviews, up to five hundred, and that is what was read — not a search for bad ones. Why so many of them are angry. The complaints above come from the 22 most recent negative ones. Newest review yesterday (08.09.2026), last collected today.