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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

Amex

65
User verdict / 100 High confidence Divided

The Amex app generally provides a convenient and user-friendly experience for managing accounts and accessing benefits, but recent updates have introduced navigation issues and persistent login problems, while core customer service and credit management practices are drawing significant criticism.

4.9★ lifetime (4,339,889) Free to download since 2010 by American Express updated 0.0 mo ago recent negative 25% 120 reviews across 1 regions
Customer Service App Usability Credit & Account Management Login & Security Fraud Protection
5★164
4★12
3★8
2★7
1★53
recent reviews across 1 regions, vs the 4.9★ lifetime average

The Amex app is widely praised for its ease of use, intuitive interface, and seamless account management, including payments and transaction monitoring. However, recent updates have led to navigation difficulties, persistent login issues like Face ID failures, and an increase in intrusive review prompts. Users also express growing dissatisfaction with customer service, credit limit management, and fraud protection.

What users like

  • Easy to use and navigate for managing accounts, viewing balances, and making paymentsR5R6R7R9
  • Excellent customer service and support, particularly for resolving issues and offering text supportR2R4R19R27
  • Helpful for tracking spending, organizing finances, and accessing card benefits like lounge access and rewardsR9R16R18R59
  • Contributes to building responsible credit and offers good rewards/cashbackR10R38R60R62

What users complain about

  • Recent updates have negatively impacted app navigation and user interface, making it harder to find informationR13R37
  • Frequent login issues, including Face ID malfunctions and excessive MFA/OTP requestsR132R159R206R231
  • Customer service quality has declined, with reports of unhelpful agents, dropped chats, and dishonestyR20R29R32R45
  • Issues with credit limit management, including arbitrary lowering of limits and reporting users over limitR26R47R61R79
  • Problems with linking external bank accounts and slow processing of paymentsR56R96R187
  • App is slow to load and search functions are sluggish after updatesR28R115R176
  • Concerns about fraud protection, with unauthorized charges and claims not being adequately resolvedR99R130R171
  • Intrusive and frequent requests for app reviews are annoying usersR48R88R117

Latest update · v7.31.1

What the developer says changed (the verdict above weighs this against what reviewers report):

We're constantly making improvements to help ensure you have the best experience. In this release we focused on bug fixes and enhancements to make the app faster and more secure. Thanks for using the American Express App.

Recurring themes

App Usability mixed
While many users find the app easy to use for payments and balance checks, recent updates have introduced navigation difficulties, slow loading times, and sluggish search functions.R5R6R7R13
Customer Service negative
A significant number of recent reviews highlight a decline in customer service quality, with users reporting unhelpful agents, dropped chats during disputes, and a lack of support for claims. This contradicts the positive sentiment about customer service in other reviews.R4R27R29R32
Login & Security negative
Users frequently report issues with Face ID not working, being logged out too quickly, and excessive multi-factor authentication (MFA) or One-Time Password (OTP) requests, making the login process frustrating.R132R159R206R231
Credit & Account Management negative
Many users are dissatisfied with Amex's credit limit practices, citing arbitrary lowering of limits, reporting users over their limit despite timely payments, and sudden account freezes without notification. There are also complaints about high interest rates and annual fees.R26R47R61R79
Fraud Protection negative
Several reviews indicate dissatisfaction with Amex's fraud protection, with users reporting unauthorized payments, charges allowed after cards were reported lost, and claims not being adequately blocked or resolved.R99R130R171

Who it's for

This app is for existing American Express cardholders who value a generally intuitive app for managing their accounts, making payments, and accessing card benefits R5R7R9R59. It is particularly useful for those who appreciate features like transaction monitoring and customer support via text R4R19. However, users who frequently experience issues with Face ID, require seamless external bank linking, or expect consistent, high-quality customer service for complex issues might find it frustrating R56R231.

Evidence note: The recent reviews skew negative (0.246 recent-negative signal), which contrasts with the high lifetime rating (4.87932). This suggests a recent decline in user satisfaction, particularly regarding app performance post-updates and customer service quality. The developer's notes mention 'bug fixes and enhancements' but many recent reviews contradict this by reporting new bugs and performance issues.

Frequently asked

Are there issues with logging into the Amex app?
Yes, many users report frequent login problems, including Face ID not working, being logged out too quickly, and being prompted for excessive multi-factor authentication or one-time passwords R132R159R206R231.
Has Amex customer service quality changed recently?
Recent reviews indicate a decline in customer service quality, with users experiencing unhelpful agents, dropped chats during disputes, and a lack of support for resolving claims R29R32R97R98.
Does the Amex app have issues with linking external bank accounts?
Yes, some users have reported receiving error after error when attempting to link external bank accounts, with customer support sometimes stating the bank is 'ineligible' despite being listed in the app R56R187.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] 5/5 · US Excellent App: I really like using my Amex app. I like how easy it is and how responsive.
  2. [R6] 5/5 · US Service: Seamless. Easy to browse, pay, fast
  3. [R7] 5/5 · US Great app and excellent service: Very convenient, high quality, and easy to use. Everything works smoothly and simply.
  4. [R9] 5/5 · US Clean and easy to use: I have used many financial apps for various needs to track spending and organize spending habits- I find i am able to all these things while planning/ paying for trips in a seamless and intuitive way
  5. [R2] 5/5 · US AX Awesome!: I only use my AX card as it’s the best and customer service is awesome!! I love my Delta AX card and love that I get a text when a charge is made on my card.
  6. [R4] 5/5 · US Fantastic customer support: I wanted to change the due date for my bill to the same date as all my other cards, and I was able to do it through the app texting with customer support. It was incredibly easy to do with their text customer support.
  7. [R19] 5/5 · US Payments: Amex is effectively monitoring transactions and they’re contacting the customers with questions. Great service!
  8. [R27] 5/5 · US Awesome customer service: Customer over 25 years, AMX will never let you down!
  9. [R16] 5/5 · US I Love This Card!: I’m so happy that I have this card! I travel a lot for work and it is my go to for lounge access!! and other perks.
  10. [R18] 5/5 · US The best: Amazing app with great attention to detail. it makes payments view of balance & check on Rewards very easy while helping save Time
  11. [R59] 5/5 · US Super helpful for everything: I love this app not just for seeing my balance and making payments but seeing all the benefits, what I’ve used, and finding airport lounges anywhere in the world.
  12. [R10] 4/5 · US Great card for building responsible credit: I’ve had my American Express card for less than 30 days, and I’ve already seen a noticeable improvement in my credit score. While I know many factors affect your score, using this card responsibly has helped me stay disciplined. I use it for purchases I was already going to make, then pay the balance down with money I already have. Keeping my utilization
  13. [R38] 5/5 · US Excellent card for daily use: This is great credit card for daily use and rewards. They evaluate your credit history diligently and increases your credit limit to great extend.
  14. [R60] 5/5 · US Great card: This is a really great card. Cashback rewards are awesome.
  15. [R62] 5/5 · US Nice credit company: Good credit card cash payback and high yield savings accounts
  16. [R13] 1/5 · US Let’s find a way to mess up a good app…: Horrible update. Used to be able to see what bill needed to be paid. Now it’s stupid icons and you have to open each transaction.
  17. [R37] 2/5 · US Hate latest changes: Too hard to see when billing date period is and when you search Amex in Spotlight search on the Apple iPhone, it doesn't come up when you search AMEX or American Express… Not sure if it's a glitch or what
  18. [R132] 1/5 · US Redundant MFA: FaceId is already MFA. There is no reason for you to require phone number MFA when FaceID is already enabled.
  19. [R159] 1/5 · US OTP: Why do I need opt every time?
  20. [R206] 2/5 · US Login is poor: Pretty mediocre app, and now you want me to remember an 18+ character password everytime I need to login. I spend more time changing my password than doing what I need to do on your app. Bring back things that make people’s lives easier. Add a pin or something that would bypass this nonsense. Your customers deserve better.
  21. [R231] 3/5 · US Face ID doesn’t work: Not sure what’s going on, but for the last week or so, although my Face ID login is turned on, it does not work upon login. I have to manually login. What is going on, American Express?
  22. [R20] 1/5 · US Eligibility code for lounges are bull: Tried the code at the London centurion lounge they said that code doesn’t work. WHATS THE POINT OF THE CODE IF ITS NOT STANDARDIZED. I didn’t get into the lounge I did everything right got my code right when I entered the airport
  23. [R29] 1/5 · US You should leave home without it: Service has really declined not just to the consumers anymore now to the customers
  24. [R32] 1/5 · US Log me out and lost chat: Log me out in the middle of a dispute
  25. [R45] 1/5 · US Worse Credit Card I’ve ever owned: I recently opened an AMX Platinum Card and have been completely dissatisfied with both the card and the customer service. One of my biggest frustrations has been Apple Pay. I was unable to use Apple Pay for large purchases (3k for booking a flight and a hotel). Subsequently, my card was blocked from all future Apple Pay for 30 days due to this purchase attempt.
  26. [R26] 1/5 · US Up and down limit: Stop raising and lowering the limit. Have you not ever got paid ? These cards may work one minute but not the next.
  27. [R47] 1/5 · US Dishonest Practices: American Express, lowered my account availability to under what I owed. I have no missed payments and I’m paying more than the minimum amount and yet they dropped my availability from 33,000 to 22,000 and have reported me for being over my limit.
  28. [R61] 1/5 · US Annual increase in membership fees and change of credit limit: The “perks” associated with having the card just is not worth the membership fee. Also, they will change your credit limit at anytime according to your relationship with other creditors with no warnings. There are so many other options out there than this card. It has truly changed over the years. Not worth it!
  29. [R79] 1/5 · US No valora los Clientes: No valora los Clientes y Baja el credito de las cuentas
  30. [R56] 1/5 · US Terrible: Good luck connecting your external bank account to this pathetic pile of dog water app, or company even. Errors left and right
  31. [R96] 3/5 · US Timing of Payment to Go Through: A payment was made about a week ago and my payment is still pending and I am unable to use my card because it was used to the max last month.
  32. [R187] 1/5 · US So Unfortunate: This app used to be flawless, same day bank to bank transfers was the selling feature for me, and I went years without any issues, the biggest headache was not being able to have more than four bank accounts linked at any one time. Now…over the past month or two, I’m having such trouble linking external accounts, I receive error after error. I chat AmEx through the mobile app and I
  33. [R28] 4/5 · US Great app but a bit slow: Lot of functionality but quite slow especially for travel services
  34. [R115] 1/5 · US Very slow to load: Horrible experience
  35. [R176] 1/5 · US Offers - Added to card search extremely slow: After updating the app to the latest version the search function for offers added to the card is extremely slow. Not sure what happened, but it wasn’t like that before. Amex please fix that!!
  36. [R99] 3/5 · US Spam: It was flagged by you and you allowed them to take the two payments anyways not very happy about that even if was small amount
  37. [R130] 1/5 · US Horrible Fraud Protection: Allowed a fraud purchase for over $3,000 even after the lost card was reported and locked. Then allowed hotel purchase on the replacement card before the card was appropriately verified. In addition, customer could not understand my concerns. Completely unhelpful. They will eventually reverse charges , after 30 days, but it would avoid the hassle of the purchase was app
  38. [R171] 3/5 · US Mystery payments: Unauthorized Mystery payments appearing to have access to my account.
  39. [R48] 1/5 · US Thirsty little guy: Every app that interrupts me asking for a review gets a 1-star.
  40. [R88] 1/5 · US Stupid and aggressive rating upsell: Why do you ask for review every single time when I open the app? Who’s the growth PM? Super bad user experience
  41. [R117] 1/5 · US Amex business: Don’t know what the hell you’re doing here. I have work to do and you’re forcing a new download of the app and then soliciting reviews. Quit fing around and let me accounts
  42. [R97] 1/5 · US Bad service: Brought some of my business transactions for the points, half don’t show up, customer chat is saying I don’t understand, it’s quite simple. Just bad service
  43. [R98] 1/5 · US Worst Customer Suport: Amex representatives will lie and illegally charge you against your will. Then they will find ways to make it seem like it was your fault and nothing you can do about it until you pay their ransoms.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store