American Express, often abbreviated as Amex, is a globally recognized credit card issuer known for its premium services and exclusive perks. Whether you’re a frequent traveler, a business professional, or someone who values rewards, Amex offers a range of cards to suit different needs.
In this review, we’ll explore the key features, benefits, and potential drawbacks of holding an American Express credit card.
Rewards and Membership Programs
One of the standout features of American Express credit cards is the Membership Rewards® program. Cardholders earn points on every purchase, which can be redeemed for travel, gift cards, shopping, and even statement credits. The more you spend, the more points you accumulate, making it especially attractive for high spenders and frequent travelers.
Amex often offers generous welcome bonuses—sometimes up to 100,000 points—when you meet a minimum spending requirement within the first few months. These promotions are among the best in the credit card industry.
Travel Benefits
American Express is known for its travel-friendly features. Some cards, like the Platinum Card®, include premium travel perks such as airport lounge access, travel insurance, hotel upgrades, and airline fee credits. These benefits are ideal for those who travel often and want a more luxurious experience at airports and hotels.
In addition, Amex cards are widely accepted in the U.S. and major global destinations, although they might not be as commonly accepted as Visa or Mastercard in some smaller international markets.
Customer Service and Security
American Express consistently ranks high in customer satisfaction. The company is well-regarded for its 24/7 customer service, fraud protection, and dispute resolution process. If there’s ever an issue with a transaction, Amex usually resolves it quickly and efficiently, providing peace of mind to cardholders.
Exclusive Offers and Entertainment Access
Cardholders enjoy access to exclusive events through American Express Experiences, including early access to concert tickets, restaurant reservations, and VIP entertainment experiences. These features cater to lifestyle-focused users who want to make the most out of their spending.
Fees and Drawbacks
While American Express cards offer premium benefits, they often come with high annual fees. For example, the Platinum Card® has an annual fee of $695 (as of 2025). For users who don’t travel often or won’t use the included perks, the cost may outweigh the benefits.
Additionally, not all merchants accept Amex, particularly small businesses that are deterred by higher transaction fees. This may limit its day-to-day usability in certain locations.
Final Verdict
American Express credit cards are best suited for individuals who value exceptional customer service, travel frequently, and can take full advantage of the available perks. While the annual fees can be steep, the rewards and experiences provided often justify the cost for premium users. For others, especially those who shop primarily at local businesses or want no annual fee options, other credit cards may offer better overall value.