Embark Card ServicesWe'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 Five Star Index, with an average rating of 3.1 out of 5.
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Showing 32 reviews with 1 star · Clear filters
Niaz M.
I received an offer but when I went through the reviews from Trustpilot, it really isn't worth the trouble!
Response from Embark Card ServicesFeb 27, 2025
Thank you for sharing this feedback. We are sorry we did not meet your expectations. Please reach out to our Customer Care team at (877) 388-1688 or internationally at (760) 627-0387 so we can help as best we can.
Miguel
cant log in into my account
Response from Embark Card ServicesFeb 27, 2025
We're here to help. Please feel free to reach out to our Customer Care team so we can address any issues you may have had. Our Customer Care Team may be reached at (877) 388-1688 or internationally at (760) 627-0387.
William-Inglewood,CA
I recently had an experience with Embark Credit Card, and unfortunately, I cannot recommend it to anyone. The interest rates are simply too high, making it an unattractive option for customers. While the card may offer some benefits, the excessive interest charges outweigh any positives. I hope the company considers revising their rates to be more competitive and fairer to their customers. Until then, I would advise looking for alternative credit card options with more reasonable interest rates.
Michael M.
Worst credit company there is
Response from Embark Card ServicesFeb 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.
Keisha H.
I could not make a payment via telephone.
Response from Embark Card ServicesFeb 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.
Mark S.
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.
Alicia
Never received my card
MT
I apply for an Embark card for a promotion they offered and by the time I was approved, I try to used and they said that promotion was not in my profile or application!