Paying your American Express bill on time each month is important to avoid late fees and interest charges. American Express offers many convenient options to pay your bill either online, through the Amex mobile app, by phone, by mail or in person. In this comprehensive guide, I’ll walk through all the ways you can pay an American Express bill and highlight the easiest methods.
Pay Online
The easiest and most convenient way to pay your American Express bill is online through your online Amex account. Here’s how to pay online:
- Log in to your account at americanexpress.com or through the Amex mobile app.
- From your account dashboard, select “Pay Bill” under your account name.
- Enter the amount you wish to pay. You can pay the minimum, current balance or a custom amount.
- Select which bank account or card you want to use to make the payment. American Express accepts payments from checking accounts, savings accounts or debit cards linked to your Amex account. You cannot pay an Amex bill with a credit card.
- Review the details and submit the payment. Your payment will be processed from the selected account within 1-2 business days.
I recommend setting up automatic payments through your online account so your Amex bill gets paid in full each month without you having to remember. Just log in, go to “Account Services” and select “Pay Bill Automatically”.
Pay Through Mobile App
In addition to the online account, you can also pay your American Express bill via the Amex mobile app for iOS or Android. The process is the same as online:
- Open the Amex app and log in to your account.
- Tap on “Pay Bill” at the bottom.
- Enter payment details and submit.
The mobile app makes it easy to pay your bill from anywhere in just a few taps.
Pay by Phone
If you prefer to speak to an American Express agent to make your payment, you can pay your Amex bill over the phone.
Simply call the number on the back of your card and follow the prompts to make a payment via automated system or agent. You’ll need to provide your account details and payment method.
One thing to note is that Amex does charge a $5 fee for expedited phone payments made with an agent. Payments made through the automated system have no fee.
Pay by Mail
Sending in a physical check or money order is still an option if you want to pay your American Express bill by mail. Here’s how:
- Make the check or money order payable to American Express.
- Be sure to include your full account number on the check or stub.
- Mail the payment to the address listed on your monthly statement. The payment address depends on the type of Amex card you have.
While paying by mail is still an option, I recommend using one of the faster digital payment methods to avoid late fees if the mail is delayed.
Pay at a Bank
Many banks allow you to make American Express payments in person at a branch. Simply bring your monthly statement and payment to the teller.
Not all banks accept Amex payments so call your local branch ahead of time to confirm. The bank may charge a fee for the service.
Pay at Retail Locations
A handful of retail stores allow you to make American Express credit card payments in person for convenience. Locations include:
- 7-Eleven – Cash or pin debit payments only
- Ace Cash Express – Cash payments only
- Casey’s General Store – Cash or pin debit payments only
Payments are processed right away when made in person. However the retailers will charge a service fee which varies by location.
Pay with Rewards Points
If you have an American Express card that earns Membership Rewards points, you can use your points to pay down your bill. Simply log in to your account, go to “Pay with Points” under “Membership Rewards” and follow the steps.
Each point is worth 1¢ toward your balance. Paying with points can help reduce your out-of-pocket cost.
Tips for Paying Your Amex Bill
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Try to pay your balance in full each month to avoid interest charges. American Express credit cards have high interest rates.
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Review your statement for errors or fraudulent charges. Report any discrepancies before paying your bill.
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Consider upgrading to an American Express card with no annual fee to avoid fee charges each year.
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Set up autopay so you never miss a payment deadline and incur late fees.
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Downloading the Amex app makes it easy to manage your account and pay your bill from anywhere.
No matter how you choose to pay your monthly American Express bill, be sure to make at least the minimum payment by the due date listed on your statement. With multiple ways to pay online, by phone, mail or in person, on time payment is easy and convenient.
Decide which type of scheduled payment is right for you
You can customize your AutoPay amount to fit your needs. You’ll need to pay at least the Minimum Payment Due each month.
Minimum Payment Due The amount you need to pay each month to keep your account in good standing.
Total New Balance Your Statement Balance, including payments made and credits received.
Adjusted Balance Your Total Balance, including Plan It or Pay Over Time payments.
Other Amount AutoPay will debit a fixed amount of your choice each month.
If this Other Amount is less than the minimum amount that is due in any billing period, American Express will increase the debited amount to the minimum amount due for that billing period.
Avoid missed payments with AutoPay
AutoPay lets you schedule payments that will automatically debit from your bank account each month. That means AutoPay enrollment may help you avoid missing your Payment Due Date and incurring late fees*. You can easily enroll in AutoPay online. Keep in mind, only the Primary Card Member can enroll in AutoPay.
To enroll in AutoPay, simply open your Amex® App. If you dont have the Amex® App, you can easily download it in the app store. You can also enroll in AutoPay online. Log into your account with your username and password, navigate to the “Payment” section, and select “Start AutoPay.”.
*Card Members who enrolled in Autopay prior to 10/23/2020, and opted to pay a specific dollar amount, may still incur a late fee if such specified dollar amount is less than the Minimum Payment Due and the difference is not paid by the Payment Due Date.
The Amex App: How to Make Payments
FAQ
Where can I pay my Amex bill in person?
Can I pay my American Express bill at Walmart?
Can you pay your American Express bill with cash?
Can I pay my express bill in store?
What payment processing options does American Express offer?
American Express gives its customers a wide variety of ways to stay on top of their monthly bills. From online and mobile payments to payment by phone, mail and even in person payments, check out these seven payment processing options for AmEx customers.
How do I make an American Express payment?
Select “Make a Payment”. Use the bank account on file to pay – you can add a bank if you’ve not yet linked one. Choose the amount you’d like to pay, your payment date, and confirm your one-time payment – you’re all set. Browse our Amex Bill Payment Guide to Find How to Make an American Express Payment.
How do I pay my American Express bill over the phone?
Call the number on the back of your card and, once your bank account is enrolled, you can save time by paying your American Express bill over the phone every month. This service is fee-free, quick and secure. You can pay your bill any day, 24 hours a day. Payments will be withdrawn from your enrolled US Bank checking account.
How do I pay my Amex card bill online?
You can pay your card bill online in a few simple steps: Log into your Amex online banking account. Select the card you want to pay. Then select “Make a Payment”. Select the card you wish to pay your bill from: your nominated card or any other card. Enter your card details and the amount you have to pay. Click Continue.
Does American Express accept payment by mail?
While American Express notes that you can make payments online anytime, they do accept payment by mail in the form of checks or money orders. Of course, if you choose this method, it’s important to mail your payment allowing sufficient time for arrival ahead of the due date.
Can I pay someone with my AmEx credit card?
Yes, you can pay someone with your Amex credit card. You have to link your Amex account to the account you want to pay. Then, you can make a one-time payment or schedule it. Can I Pay With Amex Without Card? Yes, you can pay with Amex without the card. You must install a digital wallet on your phone and add your Amex card.