Amex

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 4 Sep 2026

4.9 4388489 ratings · App Store

1. 1/5Engineered to take advantage of users

   When needing to discuss financial assistance the process is set up so we fail. Firstly, any number you call you’re getting someone with a script. A terrrrrible script that’s PAINFUL to have to deal with (because it’s not the person you’re dealing with it’s the script and what they’re allowed to say or not say. Should you ask a question which they don’t have an answer to on their script, you’re put on hold or get a call back.) God forbid you have to call back and start the script over and over. Anyway, other than that, which is very significant because it’s no secret internally that this wears you down (which = more likely to submit to getting taken advantage of vs. fight back) IN A NUTSHELL, the following encapsulates how SO MANY ASPECTS of the app are implemented in service of wearing us down, making things more difficult to take advantage of us, if you use just the FAQ’s for example, when you open “What’s the process for requesting financial relief?”, which you think would ACTUALLY PROVIDE THE STEP BY STEP PROCESS, instead you’re provided with “Go online” rather than providing a URL. I won’t list every little thing because it’s everywhere in this app. It’s sad really. Really sad. Of ANY app in the world you’d think that apps involving money, credit, loans etc. these apps would be the best of the best. No games, no tricks, no nothing. But instead you try psychological tricks using tech. Just sad. Very frustrating too. For both of us once this makes its way to modern societies “front page”. Shameful.

   Kevin Westerwick · 30 Aug 2026

2. 1/5STAY AWAY FROM AMEX

   Few years ago, before the pandemic, I used to pick up the phone call AMEX with problem and your agent will advise me what to do??? Nowadays; I have to be transferred to 3 different agents to get an answer!!!! I have been with AMEX since the 80,s. I had an emergency to fly to see my ill 88 years old mother and I needed an Airline ticket to go see her. I have an excellent track record with AMEX and I pay yearly fee for the card and I needed a round trip ticket. I wanted to use my AMEX card but AMEX would NOT increase my credit line to get the much needed ticket!!!! I’m NOT sure WHY, all what the Amex agent told me…” at this time AMEX CANNOT EXTEND TO YOU ANY INCREASE… !!! Even in case of emergency; AMEX didn’t come through !!! Everything cost more money and AMEX doesn’t take that inconsideration and Im still paying yearly fees for a card I can’t use!!!! I applied to VISA a card and I was approved in less than 5 minutes and was able to use the card on the same day I was approved!!! My family and I decided to cancel our AMEX card and get our fees back. AMEX used to extend a helping increase in case of Emergency but now they treated me with ill manners and insensitivity, they’ve become too much busy getting greedy and they forgot about their loyal customers!!! My mother means the world to me and they could have helped me but they simply can’t comprehend what CUSTOMER SERVICE IS ALL ABOUT!!!! My family and I are going to cancel all our AMEX ACCOUNTS (7). Have a wonderful Holidays!!!!

   Dr Zhiivago · 30 Aug 2026

3. 1/5WORST APP/BANK

   Everytime I speak with a rep through their AWFUL texting feature with Indians and Chinese’s people that don’t understand my request in America. That alone is frustrating when I’m trying to give my private business information to a person that barely speaks English in a different country. It’s ESPECIALLY CONCERNING with all this world war going on that you even allow 3rd party off shore people to talk with your elite platinum business members. Everything you guys (your reps) have told me so far has contradicted the previous statement of previous rep I talked to. For example. April 1st rep tells me I can spend $10k dollars a month I see the limit on my app and everything. I pay you guys $5000 half way through the month yet the new lady I talked to today states I can only spend $6000 total this month until the balance is paid off and magically my $10k limit that was there the beginning of this month is gone. Now keep in mind I have not opened or heavily used any other credit card this month. So the fact there going backwards and strategically not allowing me to hit that welcome offer of $25k to get my 250,000 reward points for travel. Ironic how you guys won’t even let me touch that but you’ll let me spend $14k and pay you back almost ALL OF IT. Just for you guys to not allow me to spend more then $6k a month even tho I’ve paid you guys $5k in 17 days….. your math or algorithm makes no sense what so ever and you guys are leading me to believe your running a major scam!!

   Nick Strav · 30 Aug 2026

4. 1/5Absolutely horrible app when it comes to rewards

   So technology should make our lives easier, but American express has found a way to make it worse. I redeemed points for gift cards through the app, but trying to use them is just utterly ridiculous. First, you can’t even get to the cards without providing information that is on your AMEX card itself. So even though you have securely logged in to the app, you still have to do more. So if you’re not carrying your AMEX card with you, you can’t use the gift card. Navigating to the cards takes forever. I’m sure everyone is familiar with the phrase “it isn’t rocket science.” But apparently this is! Whether used or not the cards stay in my view, so I have no idea which ones I have used. And to determine the balance, American Express sends you to the vendor’s website, which is not at all helpful. That site asks you for the gift card number and PIN, so you have to go back to the American Express app, write these numbers down, then go back to the vendor site again. Now think of doing all of this while you’re standing at the checkout line at Home Depot with people waiting in line behind you for you to get this done! And forget trying to resolve this in the app through chat. Chat is just another word for we’re not going to listen to you but instead will send you links to FAQ sites. This has got to be one of the worst customer service experiences I’ve had with an app and the corresponding credit card company.

   PhilipNTx · 30 Aug 2026

5. 5/5Amex doesn’t appreciate me or my profit potential of tens of thousands for them.

   I meet minimum spend and have paid my balance in full long enough that my recent statement history only goes back to July 20 and yet in spite of never missing a payment except for a push I did for 500 in July which I apparently am stupid to have caught immediately having bounced and so I said, I’ll go ahead and pay my balance in full and paid off over double that the same hour... with a zero balance and having just been scammed either a spot delivery headache from ram San Bernardino in spite of them being well aware of my needs and myself warning them about multiple inquiries (Amex lists any attempts to get a cli or card as denied due to inquiries 8 from that June 8th from the fing diddlership and so why this is the case, god knows.... and, return payment for a subsequent payment I myself thought having been pushed by me would be best taken responsibility by by pulling more from my PayPal where all my money is kept into my bankaccount). I’m so flustered and frustrated because I spend more than the minimum spend for the platinum card for three months in one month and pay My balance in full and yet there is no forgiveness for what is essentially a shortcoming in their system especially since other companies would cancel return payments when I pay my balance was a goodwill gesture due to my girlfriend pulling from the atm without me knowing. They have stunted and ruined my business potential and this on top of all the other absolutely absurd bureaucracy I must navigate... you think burning my family to death in Waco would’ve been enough for the government but each year they find new ways to rub it in

   Paid to rate, two palms up · 30 Aug 2026

4.8 101532 ratings · Google Play

1. 1/5

   that should never happen

   Peter Kohn · 5 Aug 2026

2. 5/5

   One of the best apps out there for banking, IMO.

   Ad Nj · 5 Aug 2026

3. 5/5

   Great customer service and incentives.

   Kim Boren · 5 Aug 2026

4. 1/5

   Simply stops working if incompatible with Android version.

   matt mcc · 5 Aug 2026

5. 1/5

   service has declined. this is not the service I used to get. they're useless, constantly transferring you and blocking your card randomly. I'm moving to chase Sapphire

   Jorge Sigler · 5 Aug 2026

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• 7.32.1 · 31 Jul 2026
• 7.32.2 · 28 Aug 2026