Good Card!!
I have had this card over two years. They gave me a HIGH LIMIT compared to almost everyone else. answer your questions, and provide good service. They dont hassle you on purchases like other banks calling you to see if you REALLY bought that Big Screen TV and stop your POS purcahse like some other horrible banks., I do not keep cards whertre they question every purchase. The application process is easy compared to most other banks. I have a fairly decent Cash access (vs straight credit) as well .I do not see the nergatives . I have NOT used the card in 10 months (didnt need it) and they have NOT reduced my line of credit. I dont even need a credit increase I am satisifed with an over 8K limit as I have many other cards. They DID stop a number of benefits to the card but still has many features other cards may not offer such as car rental insurane. You need a credit score over 680 to to really get good use out of the card
Excellent card
I got approved 1 year ago with 10,000 credit limit I used in USA and abroad very good.
Great card.
Use it properly and you'll save money even after the annual fee.
Fantastic card for big families!
If you use the card correctly it will save you money! I use this card the most out of all the cards I have for the rewards. Mostly for groceries and gas and few other things. We are a family of 6. Got this card a year ago with an initial cl of $11k which was raised to $16,500 after 6 months. Our grocery trips are anywhere from $200-$300 a week. We also make multiple payments throughout the month. We go to the grocery store then pay that portion off the next day. We have already gotten at least to free trips of groceries just on rewards. You do max out on the rewards at $6k which we have already reached. Everything after that is only one percent. This card has by far paid for itself and then some! $95 annual fee is nothing! Highly recommended! The rewards are fantastic! Customer service is great!
Nice design. Plastic and not medal.
Great cash back options, amex customer service is amazing also, I was approved with a transunion 725 and Equifax 717
Not worth the annual fee
It has really good cashback on grocery but not gonna be worth the annual fee since it only apply to supermarkets and it doesn't include Costco, Targe or any local small business...
Costco doesn’t take Amex regardless only visa now and it depends on the merchant how they are identified by Amex
The worst
I was approved with the promotion free interest for 15 months in june..its now December and never once did they honor the promotion or applied it to my account. I called October they said give it a week it's under investigation..I called 2 weeks later in November they said the samething..I called today and the same answer so since it takes them months to fo an investigation I canceled the card and will never do buisness with them again.
Among the very few best companies!
Granted higher credit limit than any competitor. Customer service fast and first class. That, plus the generous AMEX perks, makes this, my "go to" card.
Highly recommended!
Excellent Service
Between this card and a Business card I spend about $6000 a month. AMEX customer serivice is the best in the business. On the Blue Cash we put all our groceries, gas, streaming services and earn loads of cash back.
Great card
Like the 6% back on groceries / streaming services
A poor choice for regular use.
The rewards are pretty good but the customer service is bad. I got scammed on eBay. I pre-ordered a Nintendo switch lite which said it would ship on 9/20 in August. The seller mailed me a letter confirming that the product would ship on 9/20 and asking me to be patient and give good feedback. I never received the product and the seller would not respond so I disputed the charge with Amex. They investigated the charge and claimed that since the merchant has a tracking number from August that proved I had received the switch lite in August before it was available anywhere. I contacted Amex again by chat and was told the dispute had been decided in my favor and to check the message again, which the message definitely did not say. I called in again and was told the dispute team would be informed but the dispute team responded again saying that they would not reconsider. At this point there were numerous one star reviews on eBay for the item saying it is a scam. I wish I had never applied for Amex.
This is why you use PayPal on eBay......
Not amex fault. They can help you but don't have to. Always use third parties on ebay. And consider contacting ebay. I avoided a $500 charge by talking to their customer service but ended up buying the item anyway
All eBay purchases should go through PayPal in order to be protected for cases such as this. If you wait too long to initiate a chargeback that's on you.
You can't expect a credit card company to solve YOUR problem
Both EBay and PayPal can fix this. EBay has a 100% Buyer Protection and PayPal will refund you,. I know, this has happened to me !! Not AMEX fault !!
You should have contacted the retailer first and foremost. In any case ever. And like the others said, if the item is not as described, they'll refund you the whole amount. And always look at the history of the seller