U.S. Bank (loans) vs American Express: which is better? Comparison 2026
By our public methodology U.S. Bank (loans) scores 78 out of 100 and American Express scores 76. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| U.S. Bank (loans) | American Express | |
|---|---|---|
| Licence | 100 | 100 |
| Transparency | 60 | 60 |
| Cost | 75 | 83 |
| Service | 63 | 22 |
Pros and cons
U.S. Bank (loans)
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- No arrangement fee in the standard terms
American Express
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- No arrangement fee in the standard terms
- Online application is not open to new customers
Facts side by side
| Fact | U.S. Bank (loans) | American Express |
|---|---|---|
| Licensed since | 1863 api.fdic.gov | 1989 api.fdic.gov |
| Licensed by the regulator | Yes api.fdic.gov | Yes api.fdic.gov |
| Published rate, % of country reference | 100% usbank.com | 85% americanexpress.com |
| Free early repayment | Yes usbank.com | Yes americanexpress.com |
| No arrangement fee | Yes usbank.com | Yes americanexpress.com |
| Fees or terms published | Not verified | Yes americanexpress.com |
| Complaints procedure | Yes usbank.com | Not verified |
| Online application for new customers | Yes usbank.com | No americanexpress.com |
| Support hours a week | Not verified | 60 h americanexpress.com |
| Maximum amount, % of country reference | 100% usbank.com | 100% americanexpress.com |
| Longest term | 84 mo usbank.com | 60 mo americanexpress.com |