Overall (9.6/10)
Interest Rates & APY (9.5/10)
Fees & Minimums (9.4/10)
Customer Service (9.7/10)
Mobile App & Digital Banking (9.6/10)
Rewards & Perks (9.7/10)

American Express Review:

Intro

American Express leads the industry in premium rewards credit cards, customer service satisfaction, and no-fee high-yield savings.

Full Review

American Express (Amex) is one of the world's premier financial institutions, renowned for industry-leading travel rewards credit cards, Membership Rewards points, airport lounge access, and high-yield online savings accounts. Founded in 1850 and headquartered in New York City, American Express consistently ranks #1 in J.D. Power U.S. Credit Card Customer Satisfaction studies.

In addition to flagship cards like the American Express Gold Card and Platinum Card, Amex offers FDIC-insured High Yield Savings accounts and Certificates of Deposit (CDs) with zero monthly maintenance fees.

Pros

  • Top-ranked customer service and dispute resolution
  • Lucrative Membership Rewards points and airline transfer partners
  • High-Yield Savings with $0 monthly fees and no minimum balance
  • Global Centurion Lounge network and travel protections

Cons

  • Higher annual fees on premium travel cards
  • No physical retail bank branches for cash deposits
  • Slightly lower merchant acceptance outside North America and Europe
Feature Value
Overall Rating 4.9
Savings APY / AER 4.25% APY
Deposit Insurance FDIC Insured ($250k)

American Express: Products

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American Express Gold Card

American Express Gold Card

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The Platinum Card from American Express

The Platinum Card from American Express

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Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express

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American Express High Yield Savings Account

American Express High Yield Savings Account

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American Express Personal Loan

American Express Personal Loan

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American Express Business Blueprint Checking

American Express Business Blueprint Checking

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American Express Business Gold Card

American Express Business Gold Card

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American Express: Categories

Business Banking

Business Banking

Rated 9.4

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Checking Accounts

Checking Accounts

Rated 8.8

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Credit Cards

Credit Cards

Rated 8.6

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High-Yield Savings

High-Yield Savings

Rated 8.6

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Personal Loans

Personal Loans

Rated 8.6

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CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 8.2

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Mortgages & Home Loans

Mortgages & Home Loans

Rated 7.4

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