Wednesday, November 4, 2026 · Customer reviews of US businesses
The Fair Hearing score
Average
74 reviews
Embark Card ServicesSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
We're a collective team of credit card professionals with decades of experience that set out to create a better credit card company that works to enrich the lives of the cardmembers we serve. Embark focuses on opening up possibilities with responsible credit to help Cardmembers live life the way they want with exceptional benefits, unique offers, and can't-miss experiences. Every Embark American Express® Card… Provides enhanced everyday value through savings, benefits, and rewards –– so you get more for what you spend. Takes you places you want to go with early ticket access to sporting events, concerts, and unique experiences. Lets you breathe a little easier knowing you’re covered by industry-leading protections and benefits. Our Embark suite of products is tailored for moderate to good credit consumers and is currently by invitation only.
Embark Card Services (embarkcard.com) has 74 customer reviews on The Fair Hearing, with an average rating of 3.1 out of 5.
74 approved reviews, newest moderated first
Always Great Customer Service
By Robert
Response from Embark Card Services· Feb 27, 2025
Thank you for your positive feedback. Your review is a great way to let us know we're on the right track for making our customers happy!
Worst credit company there is
By Michael M.
Response from Embark Card Services· Feb 27, 2025
We would like to understand what happened in your particular situation to see how we can help or resolve your issue. Our Customer Care Team may be reached at (877) 388-1688 or internationally at (760) 627-0387.
Great card. Great experience. No issues at all
By Pamela
Response from Embark Card Services· Feb 27, 2025
Thank you for sharing your experience! We constantly strive to improve, so this feedback is greatly appreciated.
Great experience
By Sam S.
Response from Embark Card Services· Feb 27, 2025
Thanks so much for your review, we love getting feedback about Embark and take pride in our customer service. Please get in touch if there is anything else we can do to make your day.
Need a higher credit have cards for 8-12,000 this is to small. I eill cancel it I think.
By James
I have no complaints card is great.
By Bert H.
Response from Embark Card Services· Feb 27, 2025
Thank you for your positive feedback. Your review is a great way to let us know we're on the right track for making our customers happy!
I could not make a payment via telephone.
By Keisha H.
Response from Embark Card Services· Feb 27, 2025
If you still need assistance, please reach out to our Customer Care team at (877) 388-1688 or internationally at (760) 627-0387.
i applied and got the embark card. i then tried to use it to pay my federal taxes but it was declined. customer service could not explain why this was considered fraud. (presumably a large amount early in the card history). however, i was charged a "convenience fee" by the card processor despite the actual tax payment failing. i disputed the incorrectly charged fee, but embark did not handle the dispute for approximately 2 months, but eventually the merchant charged back the incorrect charges. meanwhile embark charged me late fees and interest and never has reversed those. i received approximately 20 dunning phone calls from them after not paying the disputed amount. calls more than once per day, and no rep had any incentive to fix the actual problem, despite acknowledging there was a dispute, they just wanted to collect $. i paid the undisputed portion of the bill the following month. a week after i paid it, they locked the card because of the size of my payment, which was just the amount due! finally today i tried to talk with them without success, so cancelled the account. they still think i owe them money.
By Mark S.
