American Express Platinum Card Reviews

I used to love AMEX. But now I don’t. I have only one word. Don’t.

American Express doesn't care about its card holders, it lets businesses charge you and never deliver a product. And all the business has to do is say that you signed a contract or a receipt, they don't have to prove that they actually provided a good or a service. Worst financial service I have ever dealt with. I would not recommend them to anyone.

I waited to write this review as the issue began 4 months ago when I discovered that my platinum card had been enrolled in pay over time automatically, which allowed AMEX to charge interest on certain purchases from the date of purchase. This was done via passive non-member consent, but yet within the confines of the law. I immediately called, and of course, AMEX was kind and deleted the interest charge and informed me the pay over time election would be terminated going forward. That pay over feature was not terminated as indicated, and the very next month I had to spend additional time calling card services to have interest charges reversed which AmEX did, and also confirmed no pay over time interest would appear the next billing cycle, and card services also confirmed that for several decades of membership I has always paid my card in full every month.

I’m extremely disappointed with how the American Express Platinum’s Priority Pass access is advertised and delivered. The nearly $800 annual fee is marketed as premium, but the actual lounge rules are unclear and changeable, with important details hidden until you’re already at the lounge.

They like to report a balance even when your card is at zero.

The customer service I received has been wonderful, heads and tails above everyone else. JD power has rated them number one in customer service for six years.

I returned from a trip to Italy. I purchased my hotel through AMEX travel. The hotel was listed a “lowest price guarantee”. When I got to the hotel, they gave me a receipt where the price was SIGNIFICANTLY lower than the price AMEX quoted. AMEX said if I had booked directly that would be the lowest price but they would not honor the price. Highly disappointed.

I greatly enjoy the rewards and benefits the AMEX Platinum Card provides but what prompts me to write this review is their handling of a recent dispute I had with Virgin Atlantic airlines. When my mother in law was unable to complete travel on a refundable international upper class flight worth approximately 5500$ Virgin would not give me a refund amount despite my inquiries weeks ahead. To change the date (up to 6 months in the future) they wanted an additional 5 to 10k. In the end I had to cancel the flight without being given a refund amount but felt comfortable given that if I downgraded to an 800 pound economy flight I would have received a refund of over 2200$.

In my experience this the worst credit company I ever worked with. They keep lowering my credit cards limit without any reason. Very disappointing customer service and they don’t respect customers at all. Think twice if you want to be treated fairly and respectful.

This company is extremely hypocritical. They read off the script stating that you value your loyalty, in my case of 11 yrs, but in reality they don’t give a damn about their customers. I have never been late in my 11 yrs, my credit score hasn’t changed give or take 5 points up and down. They don’t like it when you use the available credit they set for you. If you get too close to using the full available balance they will lower your credit limit without notice.

I am outraged by the complete failure of American Express to support a loyal customer of over 30 years. In a time-sensitive and deeply important situation—traveling for my son’s master’s graduation—I reached out to American Express for immediate assistance. What I received instead was cold, rigid, and utterly ineffective handling. I was subjected to irrelevant and unreasonable security questions, including being asked for my husband’s mother’s birthdate—despite the fact that she passed away over 20 years ago—while no real effort was made to resolve the issue. There was no urgency, no accountability, no escalation, and absolutely no customer care. I was left completely unsupported at a critical moment. This is not just poor service—it is a complete breakdown of what American Express claims to stand for.

Terrible organization. I highly recommend going anywhere else. Poor customer service and communication.

I have three AMEX cards, Business. Platinum, Delta reserve and Delta Platinum. Our business spends hundreds of thousands of dollars on the cards. Had an issue where I shipped a valuable table with UPS. The table was damaged, I purchased insurance and UPS is refusing to pay the claim. Asked for a picture of the box 3 weeks after I submitted the claim with all pictures showing the damaged item in the original wrapping. Protested the charges on AMEX noting that UPS did not fulfill the contract to deliver the items in the same condition they were sent.

Horrible experience with AMEX. Too many phone calls, long wait time. After months of disputing, they still charged me late fees. The credit card was finally credited. BUT they still charged me interest even though it was not my fault. Never Again!! Scammers!!

Amex basically asked me to pay up when I always pay in full. It’s a shame that this company is putting people thru stress during a tough economic time. I’m taking my money and banking over to J.P. Morgan Chase. F Amex

High prices, bad service. There is a high annual fee for this card. Customer service is 1 out of 10, if that. The benefits are only worth it if you do a lot of high end traveling.

In February, I made the mistake of using Apple Pay to load money onto my Hard Rock casino account. After realizing, I put it on my AMEX I called immediately. I was told by a representative that since I made payment so quickly I would only be incurring cash advance interest for the days in between the charge and the Post date of my payment. After going back-and-forth with customer service, they opened a case on March 12. Still no determination. Based on the attitude and demeanor of Leanne, the supervisor didn’t sound like AMEX cares. Because this is not a dispute, American Express will not even follow up with me to let me the customer know the outcome of the situation. I’m being told that I have to call in every so often to find out whether or not my case is still open or approved or denied. I find this misleading. If representative says one thing you should be held accountable.

Complete Garbage. I only got the card because the annual fee was exempt and then 2 years into having it they decide to charge me. Trying to fix it has been like pulling teeth. Everyone and I mean EVERYONE is incompetent. After 3 emails and 8 phone calls I finally found the department that is the approver, and guess what? They have no email or phone number, I literally have no way of contacting them,.

Reduction of spending limit. And asking too many questions unnecessarily.

The most worst and bad credit card to collect if you are planning to get credit card, they will charge you till your bones. They have a high rate of charging is really really expensive and they don’t have feelings for customers when they’re charging. Credit bureau should not consider AMERICAN EXPRESS for low class of minimum workers.