Also known as: American Express; Amex
American Express Services Europe Limited is the UK-incorporated subsidiary of American Express Company (USA), responsible for issuing a wide range of charge and revolving credit cards to consumer and corporate clients in the UK. The company also operates premium rewards schemes and travel-related financial services from its London headquarters.
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Charge cards, revolving credit cards, rewards programmes (Membership Rewards, cashback), corporate cards, travel services, American Express Identity Defence Platinum
Trading names and group notes
American Express Services Europe Limited (01833139) is the primary UK card-issuing entity. American Express Financial Services Europe Limited is a separate FCA-registered entity within the group. American Express Global Business Travel is a separate travel management company. The global parent is American Express Company, New York, listed on NYSE.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Approx. 1.4 (global americanexpress.com page); UK amex.co.uk page: low, approx. 865 reviews
~865 (amex.co.uk); ~4,780 (www.americanexpress.com global) reviews
Other review and social proof
Trustpilot global rating: 1.4/5 from ~4,780 reviews — rated 'Bad'; UK-specific Trustpilot (amex.co.uk): ~865 reviews; Reviews.io listing available: gc-americanexpress; Fortune 2026 American Express Bank Review published; Smart Money People: smartmoneypeople.com/american-express-reviews; Amex app on Google Play: various country-specific versions; Annual Report 2023 (AESEL) published on americanexpress.com
Overall public sentiment
American Express receives poor ratings on Trustpilot globally (1.4/5), often attributed to the self-selection bias of unhappy customers leaving reviews. In practice, Amex is widely regarded as a premium brand with strong customer service for high-spending cardholders. Negative reviews cite account closures, declined applications and fraud handling. The brand has a loyal premium customer base.
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