American Express Blue Review

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American Express Blue go to www.americanexpress.co.uk
2.8 stars
Average rating for this product is: 2.8 out of 5

From 8 ratings and 34 reviews

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hamed12's Review of American Express Blue

30th Mar 2007

Overall Rating

0.5 stars
  • Value for money
    2.5 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    0.5 stars
Good Points

The cashback


Bad Points

Miscalculations
Customer service


General Comments

Well okay, the cashback feature seems very attractive, IF it works. My bad experiences started when I noticed a significant shortage in my first year's cashback. There is a threshold of $6500, and once you have reached that your cashback rate becomes higher - i.e. if you spend more than $6500 you are supposed to receive 5% cashback on everyday purchases, and 1.5% on everything else. Before that the percentages are 1% and 0.5%. So clearly, if you spend more than $6500 you have to receive 6500 x 1.5% AT LEAST. However, this amount should be much more, since you should have a lot of purchases which qualify for 5% cash back (simple math so far). Having said this, the amount which I received was even less than 6500 x 0.5%; whereas I had spent much more than the 6500 threshold (three mistakes so far). I gave American Express a call to resolve this issue with my Blue Credit Card - 4 TIMES!! EVERY TIME I was told that the system does not work or it is under maintenance and I should give them a call back in a day or so, and when I did, again I was told that I should call later! Anyway, I decided to cancel the card, and after cancelling, which is a story of its own, I keep getting finance charges because they say I have not paid my balance in full. This is where their own website has my account paid in full!! Now I have about $80 in finance charges, and I don't even know what they correspond to. MOREOVER, the lady whom I talked to regarding cancelling the account, although agreed with a mistake in their calculation, didn't give me the rest of my cash back because I was canceling the card; which is ridiculous, since I had the card for more than one year and I had to get the first year's cashback in full.

For a credit card company, the first thing that you expect is for them to not have faults in their systems.

If you are thinking of getting a card with cashback, there is no competition if you use Discover, or if you are looking for a card which is acceptable worldwide go for the Chase Visa. These are much better options! Also, there are many chain stores which don't accept AMEX, simply because they charge them a lot!

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