About American Express

GoNoGo 100-Point Framework Breakdown

Regulatory Compliance /12

FCA-registered, no fines or sanctions in 2025.

Customer Satisfaction /23

Trustpilot 4.05, App Store 4.55 (May 2025). Praised for customer service and rewards, but some complaints about acceptance and fees.

Product Value /20

Strong rewards, travel perks, and insurance, but higher fees on some cards.

Innovation /12

Regular app updates, digital card features, and instant notifications.

Security /9

SSL encryption, biometric login, instant card freeze, no major breaches.

Accessibility /9

App, web, and 24/7 phone support, but not accepted everywhere.

Sustainability /5

No published ESG or sustainability data.

Additional Features /10

Membership Rewards, travel insurance, Amex Offers, and digital wallet support.

Card	Annual Fee	Key Perks
Amex Platinum Cashback	£25	Up to 5% cashback, travel insurance, Amex Offers
Amex Platinum	£650	Lounge access, travel insurance, hotel upgrades
Amex Gold	£195	Membership Rewards, hotel perks, no FX fee year 1
Amex Basic	£0	Membership Rewards, no annual fee, digital wallet

For full and up-to-date fees, see the American Express website.

POSITIVE Trustpilot, May 2025

"Customer service is outstanding. Had a lost card replaced within 24 hours and got help instantly via the app."

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POSITIVE App Store, May 2025

"The Amex app is slick and makes it easy to track rewards and freeze my card instantly."

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NEUTRAL Google Play, May 2025

"Great for rewards, but not accepted everywhere so always need a backup card."

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NEGATIVE Twitter/X, User 2025

"Annual fee is steep for Platinum, and some small shops still don't take Amex."