American Expres Reviews
Dec 20, 2016
So far so good
Anonymous

I've had my account for several years and haven't had a problem.  I do have to plan my withdrawals and allow about 3 days for the funds to appear in my local bank, but they pay one of the highest interest rates I've found.  

Live only had to call customer service once, to get a form to designate a beneficiary.  They sent the form right out.

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Jan 19, 2017
Low Limit Approval
Anonymous

With FICO 761 they only approved me for $1000 limit! So I called AmEx and canceled the card! It's going to leave a dent on my credit!!! 

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Oct 01, 2016
Anonymous

Great rewards for an entry level Amex card. Rewards end up coming out to about $0.03 per dollar spent aka 3% if used wisely. The 25k points after spending $3k is definitely an extra bonus.

I was accepted with a high 600's score and received a $1000 limit. After two months I requested an increase which went to $2,500.

Now planning to use my 31,000 points for an upcoming vacation to NYC booking rooms that charge $450-500 a night, but only require 12,000 points.

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Oct 21, 2016
AMEX Instant Apoproval
CreditKarmaConvert
Top Contributor 14 Contributions 155 People Helped

I'm finally back in with AMEX today.  Instant Approval

with 676 fico score.  Got starting Limit $5K.  I'm very Happy!!! :-)

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Sep 10, 2016
Great Card
Anonymous

Applied score in the low 600's. Approved

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Jan 20, 2017
Surprised!
Anonymous

American Express usually has a very strong reputation of being unforgiving when coming to negative history on credit reports. I have a discharged bankruptcy from 2014, no collections and perfect payment history since the BK. I make $110k yearly and I was approved with Amex for 5k. Cards are as follows: Cap1 Quiksilver Signature - $5400; SunTrust Travel - $3,500, CU Card - $15k, Discover It - $2,500. Excited to have Amex onboard to replace the Discover. 

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Jan 08, 2017
The Amex every day is my favorite!
Anonymous

The Amex every day is automatic increase my credit limit in 8 months, no need to request to be . Thank you !

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Jan 19, 2017
MISLEADING TERMS, BONUS, BENES.
FNinja08
1 Contributions 0 People Helped

This is NOT an American Express Platinum card...not even close:

     - The Welcome Bonus is misleading and takes at least 6-8 weeks to take effect. Make sure you read the fine detail (if you can find it.)

     - Only 5,000 of the bonus miles are MQMs which count toward Delta Elite status. The rest can only be used on Delta merchandising or donated to charity.  It turned out that this card didn't benefit me at all. 

     - When I called the number on the card, the woman didn't understand the benefits of the card. I was transfered three times before someone could answer me. 

     - Sky high interest rate. Membership fee of $195 seems rediculous considering I don't carry a balance.

     - Despite being branded as a Platinum American Express, this card DOES NOT entitle you to enter the Delta Sky Club Lounges or ANY elite airport lounge.  (Centurion is a far better lounge anyway.) 

     - I have platinum Visa cards with better benefits (minus the delta tie in), a much lower rate, and NO yearly fee.  Why would someone want this card if it doesn't provide them with more than $200 worth of benefits?

     - It's possible that this card allows lower FICO scores to get credit. I don't know. 

I should have visited this site before I applied!  I would be better off with the Platinum Amex standard card and I intend to close this one as soon as I can get someone on the phone.

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