American Express Platinum Card Reviews

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.

I have had good credit with no limits and then all of the sudden American Express imposes a credit limit on me without warning. Never been late and never missed a payment. Been a customer for over 20 years. Paying this card off as soon as I can and will not use the card ever again.

I disputed a charge on my AMEX from StubHub. The dispute was: On February 22, 2026, I went online intending to purchase to James Taylor tickets for Jones Beach Theatre on June 23, 2026. The first screen that came up were “tickets” called “Fast Lane Pass”, and I purchased it thinking they were the tickets. The next morning, I realized that these were actually not tickets to the concert, but some type of add on. If they were an add on, why was I able to buy them without buying actual tickets? Without the concert tickets, these “passes” (strangely also referred to as “tickets”), are WORTHLESS. The website is intentionally unclear and misleading by first offering these “tickets” which were really just add on passes, apparently so you don’t have to stand in line? Why would I need these without actual tickets.

Absolutely absurd company. They Charge $599CAD Annually for their subscription, on a $5000 Credit card, when I have a $22,000 Credit card and a $50,000 Car loan which on all 3 have never missed a payment and pay each credit card off every month or utilize the cards under 10%. They charge me the $599 subscription fee then send me an email they are loweing my AMEX from $5000 to $1500, which will drop my credit score and make my credit utilization higher. What an absolute SCAM of a company to do this to their loyal customers. If you value your credit DON'T CHOOSE THIS COMPANY!

If you intend on actually using your credit card DO NOT get an AMEX. I was approved for a $33,000 limit over 3 years ago, I hardly ever carried a balance and always paid the card off. One month I charged roughly $7,000 to the card (21%) utilization, and before the statement even closed they suspended my account and reduced my limit to $8,000. Do not use this company.

Six weeks ago, my wife, Nancy **, received a flier in the mail offering an AMEX account that would give her a $100 credit upon her charging $1000 on the account and would also provide rewards on all purchases made on the account. The latest statement is for $1452.22, but there is no $100 credit and no rewards. Am I missing something or is this a SCAM!!

American Express has some of the worst customer treatment I’ve experienced. My Platinum account is perfectly fine, yet my spending privileges were suddenly suspended because of the “status of another account.” No clear explanation, no warning, just a block and a message telling me to call them. For $800 per year, there’s no real value — they just dump you for no reason at any time. Premium fees, zero respect, zero transparency. Completely unacceptable.

I recently received my fee increase from Amex for my platinum card and went through a decision process on whether to keep the card or not. As part of that decision, I decided to start using AMEX travel because of the travel benefits, etc. They are actually quite good. That said, I’m already second-guessing my decision to use it for travel. It would appear if you have simple travel such as an airline and a hotel, the online service works quite well, but if you have a larger, complicated trip or anything out of the ordinary, that’s where it gets difficult. I tried to book a car rental at the online site with a little complexity to it (cross-border drop off) and as a result I needed to speak to someone for some specific info I needed that the website didn’t address. The advice was “call the number on the back of your platinum card for fast service”.

I have been with AmEx for 10 years. Had 2 late payments (not more than 30 days) in the last 2 years. Pay more than the minimum asked. ALWAYS!!! My FICO/Experian scores are 746 and 735 currently. They dropped my credit limit from $12,600 to $1,800. It's absurd. No one rectified it or could give me a reason that made sense. I work two jobs and all my bills are paid. No one could give me my limit back, kept telling me I had to wait. This is the first of many reviews and cancellations to follow.

In December, I conducted extensive due diligence to select the right business credit card for my company. My primary requirement was the ability to issue an employee card to a non-U.S. citizen assisting with overseas operations. I explicitly confirmed with American Express - before applying - that a Social Security number would not be required for an employee card. Based on that assurance, I chose the Business Platinum card with its $895 annual fee, believing the premium cost reflected premium service and competence. Weeks later, when I attempted to activate the employee card before traveling overseas, I was informed that a Social Security number was in fact required, and that the policy had “just changed.” No proactive notice. No accommodation. No solution. The suggested workaround? Issue an employee card in my own name and hand it to someone else.

If only it was AMERICAN? All service issues and disputes? INDIA! Asked for a Continental US associate to speak with! Was told by Florida rep! (No BS) India rep controls the account queries and customer support issues! Can't make this up!.. Have both Platinum and Gold! 10 years now! And their AI has limited my accounts! NEVER a missed payment! Pay on time!.. NOW? "Send us ALL your banking data to appeal"!! Hey AMEX! NEVER gonna send my DATA to INDIA!.. WAKE UP! It's AMERICAN EXPRESS! Or rename it! INDIA/American? Maybe Express!..

Interest charges keep coming on a 0 balance card. I, and my financial advisor in two separate calls to Amex confirmed the amount due to zero out the card. New billing statement comes out and ANOTHER charge because of "traveling interest?" 'Michelle' - the Amex rep told me she could not give me her ID number - yet repeatedly asks for the last 4 of my social, zip code, full card number, etc. etc. etc. This company is no longer the "gold standard" in credit cards.

After 36 years as a Amex Platinum member, I retired and sold my business. I changed my card from a Amex business account to a personal account. Trying to plan trip to Europe, I was told I only had a $3000.00 limit till a established a spending pattern!! Considering if I should continue my Amex relationship? Was not told about this when I switched my card.

Went to use the card and it was canceled. They canceled my account over a heated subscription charge dispute with Ancestry.com that I finally won over 5 months ago!!!! Out of the blue with no advanced warning, email, or text they cancel my card. I could have been on a trip or in an emergency!!!! This is now how TOTALLY evil this company is to its customers. AMEX is now a third world card company with ZERO customer support. They have turned into a very pro business and anti customer protection company over the last 10 years.

WARNING: Amex has "trailing interest". If you don't pay off your entire statement balance in one month, you receive the usual interest charges on your account. HOWEVER, if you pay off the entire balance the next month, you still receive "trailing interest" charges on the previous month's balance. I've paid the balance in full three times so far, and AMEX keeps charging interest on zero-dollar balances. The last excuse I received was "trailing interest" on the prior month's balance that I had already paid in full, stating I will receive two months of interest. This is the first credit brand I've dealt with that does this.

I carried the American Express Platinum Card for eight years, long enough to say with absolute confidence that this card is all marketing and very little substance. American Express sells the idea of luxury, exclusivity, and premium travel perks. In reality, those benefits are mostly superficial and unreliable. Despite nearly a decade of card ownership, I never once received a meaningful upgrade, perk, or preferential treatment because of this card — not with airlines, not with hotels, and not in real-world travel situations where it actually matters.

Upon opening my American Express card a bonus of $500 was offered should I purchase an airline ticket within the first 6 months. I did. No bonus came. When inquired about it an explanation was given that the ticket has to be purchased by the middle of the month, not by the end of the month. Nobody ever said this to me before. After multiple calls, no resolution. I Canceled the card.

I have been trying to use my reward points for more than a year, but there is always something to discourage me. Tickets in their travel services are overpriced, and the client has to pay up front the entirety of the costs and then expect to receive the reimbursement later. At this time, I tried to use my rewards to bring my daughter to see her grandfather, who has been in an Intensive Care Unit for 3 months fighting for his life after a Traumatic Brain Injury, but I would have to pay upfront everything to be able to use my rewards. I really needed at that point, considering that I have been supporting my mother and attending my father at the hospital, unable to work for 3 months. The representatives that I spoke with had no empathy and the supervisor was as rude as someone can be. Very disappointing experience.

When inquiring about upgrading the card from Gold to Silver, the sales associate misled me by stating I could get my prorated membership fees back if not satisfied. The AmEx Platinum Card benefits and customer service were very underwhelming on every level. It took multiple calls to get customer service to cancel the card. The customer service department would not refund my prorated membership fee. Philip **, employee #**, did not even try to find a solution. I was a member since 2008. This is how bad their customer service has been and has repeatedly demonstrated over the past few months.