United StatesElectronics Updated August 28, 2026 Sources verified
96
Support score
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American Express both operates its payment network and issues most of its own cards directly, so cardholder disputes are typically handled by Amex itself rather than a third-party issuing bank, through the Amex app, website, or Dispute Center.
Amex Platinum CardAmex Gold CardAmex Green CardAmex Blue Cash PreferredAmex Business Platinum
Customer support
Official ways to reach the team.
Support phone
1-800-528-4800
Return policy
Return windows, requirements, exceptions.
Return window
Not a retail return; disputes for unauthorized, undelivered, or not-as-described purchases can generally be filed within about 120 days of the transaction.
Processing time
A dispute can move through multiple stages (inquiry/Accelerated Dispute Resolution, formal chargeback, and potentially a second chargeback); merchants get a short window (e.g. around 20 days) to respond at each stage.
Requirements
File a dispute through the Amex app, website, or by calling the number on the back of your card, providing transaction details.
Exceptions
Amex’s Accelerated Dispute Resolution (ADR) process may resolve some non-fraud disputes before they become a formal chargeback.
Refund policy
How refunds are processed.
Refund time
Refund method
Important notes
Once a dispute is resolved in the cardholder's favor, the disputed amount is credited back to the Amex card/account.
Warranty
Coverage and claim process.
Frequently asked questions
Answers to common questions.
File the dispute directly with Amex through the app, website, or by calling the number on the back of your card u2014 Amex is usually both the issuer and network.
Generally around 120 days from the transaction, though this can vary by dispute type.
