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Card Accounts
Business Accounts
Other Accounts and Payments
Personal Cards
Business Credit Cards
Corporate Programs
Gift Cards
Personal Savings
Personal Checking and Loans
Business Banking
Book And Manage Travel
Travel Inspiration
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Manage Membership
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Setup & Payments
Make the most of your spending and payment options, and find out new ways to use your Card.
Flexible ways to pay
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No preset spending limit
Enjoy flexible spending capacity
Unlike a traditional credit card, your Card has no preset spending limit, a unique feature that gives you flexible spending capacity. This means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app.
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PLAN IT®
Buy now, pay later
You can split purchases of $100 or more into equal monthly installments with a fixed fee. The fee is shown upfront so you’ll know exactly how much you pay each month, plus you’ll still earn rewards on purchases the way you usually do. Create a plan today.
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PAY OVER TIME
Carry a balance with interest
Rather than paying in full each month, you can choose to use Pay Over Time to carry a balance on your Card with interest. Plus, you’ll still earn rewards on purchases as you normally would.
This feature has a Pay Over Time Limit*, which is the maximum amount you can carry as a balance with interest or put into a plan using Plan It®. It is not a spending limit. Any charges you make above the Pay Over Time Limit will be due in full each month. View your Pay Over Time limit, here.
*This limit applies to the total of your Pay Over Time, Cash Advance, and Plan It® balances.
More ways to use your Card
Add to digital wallet
Add your Card to your digital wallet to make fast and secure online purchases without typing in your Card or shipping details.*
*Digital Wallets are Apple Pay™, Samsung Pay, or Google Pay™.
Contactless payments
A quick and secure way to pay for everyday purchases, from your morning coffee to grocery runs. Simply look for the contactless symbol at checkout at participating merchants and you can tap or hold your Card or device within a few inches of the terminal.*
*Participating merchants only.
Go paperless
Save paper and stay organized. You can enroll anytime via the Amex® app.
Set up Autopay
AutoPay lets you choose the amount you’d like to pay each month and your payment day of choice, up to 10 days before your bill is due.
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Add a new Card member to your account
Share benefits and track purchases with loved ones. You’ll earn on their purchases in the same way you do your own and earn valuable rewards even faster.
American Express - Send & Split® in partnership with VENMO, PayPal
Send money effortlesslyEnroll to Enjoy
Send money or split purchases with any other Venmo or PayPal user right from the American Express® App.
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You spend with Amex, and now you can send with Amex. Pay any other Venmo or PayPal user with the flexibility of American Express. When you pay friends with Amex, there’s no standard Venmo or PayPal credit card fee and you can even do it right from the Amex App.
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Seamlessly split any pending or posted Amex charge with other Venmo or PayPal users right from the American Express®App andget paid back directly to your Card as a statement credit.Best part? You'll be the one to earn all the rewards for the Amex purchases you split.
Enrollment required. Terms apply.
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Keep your Card in the palm of your hand
Stay on top of your purchases, keep control of your account, and access digital tools, all within the American Express® App.
Real-time updates
Keep tabs on your account activity with fraud, payment, and purchase notifications.
Amex Offers
From in line at the store to online from the couch, add Amex Offers to your eligible Card and earn rewards on qualifying purchases.
Chat with us
Start a chat in seconds or revisit conversations any time. Our team is here to help, 24/7.
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