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Is Amex accepted as widely as Visa and MC domestically?

Frequent Contributor

Re: Is Amex accepted as widely as Visa and MC domestically?

I cannot recall the last time I encountered an actual business that would not accept any credit card, Amex or any other.


It's things like insurance premiums, HOA fees, utilities, taxes (except federal) and other government services that often do not accept Amex.  And non discretionary expenses are our biggest and most consistent expenses.  They are designed to be paid by checks I suppose, but I like to use them to meet MSRs. 

A SUB chaser's problem. Smiley Frustrated


Message 51 of 54
Senior Contributor

Re: Is Amex accepted as widely as Visa and MC domestically?

I started following this thread and oddly enough, on a trip a few days ago had my AMEX Gold card denied at a cafe in a city in Washington state. Smiley Surprised  It was a smaller but older, well-established place.  It didn't appear to be run by immigrants, so no connection to that reference upthread.   I paid with my Chase Sapphire Reserve Visa Infinite.   I got the Gold card last fall and I've had at least two or three places (domestically) refuse to take it in less than a year.    That never happens to my Visa/MCs.   AMEX may be more widely-accepted than before but Visa/MC are still king, IMO.

Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 28 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 52 of 54
Super Contributor

Re: Is Amex accepted as widely as Visa and MC domestically?

@W261w261 wrote:


<Probably much of your potential business is "walking around the corner" too.>

I agree with the penny-wise pound foolish argument viz my Audi repair. I've never lost a customer because I don't take Amex. It's the nature of my business that if someone pushed me to do it, I'd make the phone call to set it up. I'm sure it will happen eventually, but right now, with gross revenues of almost 2 mill, I only have 2 customers who charge. At first, I resisted all cards, not for the 2%, but I was scared of the charge back potential. 

Why on earth would anyone push you to accept credit cards? It would not be that big a deal to them.  They would either pay you with something else, or they would "walk around the corner". You have no idea how many customers or potential customers "walked around the corner". Or how many use you but would have been happier if you accepted credit cards.



Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 53 of 54
Established Contributor

Re: Is Amex accepted as widely as Visa and MC domestically?

In the past, no. Now, it is very close. I would still have a card just in case, but it is very rare now.

SoFi World Elite MC (TBOM) $7000 SL
REDcard $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $2900 SL, $4400 CL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL, $9300 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $12.5k SL- AU (Dad's card)
Wells Fargo Propel AmEx- $2500 SL, $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback)
Closed accounts (I had a long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge (really stupid, huge limit), my 1st REDcard, Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 54 of 54
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