American Express, also known as Amex, is one of the largest credit card issuers in the world. The company is known for its premium rewards cards, robust point systems, and top-notch customer service. However, like any credit card, you’ll need to pay your Amex bill on time each month to avoid late fees and interest charges.
Thankfully, American Express offers a simple online account management system to view statements, enroll in autopay, and make one-time payments. Read on to learn the ins and outs of paying your Amex credit card bill electronically.
Paying your Amex card on time should be a top priority. Late or missed payments can seriously damage your credit score and lead to costly penalty APRs. By paying online through the Amex website or mobile app you can easily set up recurring payments or manually pay your bill each month.
This article will walk through creating an online Amex account, understanding your monthly statement, setting up autopay, making one-time payments, using money management tools, and more Follow this guide to make paying your Amex bill fast, easy, and stress-free
Access Your Amex Account Online
First, you’ll need to access your Amex account online. You have a couple options:
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Visit the website: Go to americanexpress.com and click “Log In” in the top right corner.
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Use the mobile app: Download the Amex app and log in with your credentials.
If you’ve never logged in before, you may need to create an online account by providing personal details like your card number, Social Security Number, and more.
Once logged in, you’ll see your account dashboard with your balance, recent activity, statements, and other useful information.
Understand Your Monthly Statement
Your monthly statement provides a detailed look at your account activity and how much you owe. Key sections include:
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Account summary: Shows your balance, any credits, new charges, fees, interest, payments and total amount due.
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Transaction details: Lists every purchase, credit, payment, etc. from your billing period.
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Interest charges: Breaks down interest charges if carrying a balance.
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Payment information: Due date, minimum payment, payment mailing address.
Carefully review each statement to catch unauthorized transactions early. Contact Amex immediately about any charges you don’t recognize.
Enroll in Autopay
The easiest way to pay your Amex bill is to set up automatic payments each month. With autopay, the payment amount will be automatically deducted from your chosen bank account on your payment due date.
To enroll in autopay:
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Log into your Amex account online or via the mobile app.
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Select “Pay Bill/Statement” then choose “Set Up Automatic Payments”
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Enter your bank account details.
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Choose whether to pay the minimum due or full balance each month.
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Review and submit.
Autopay ensures you never miss a payment deadline. You can cancel or change your auto pay preferences at any time.
Make One-Time Payments
If you prefer to pay your bill manually, American Express offers a few quick payment options:
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Pay online – Select “Pay Bill” and enter your payment amount and payment method.
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Use the mobile app – Tap on “Pay Bill” and follow the on-screen prompts.
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Pay by phone – Call the number on the back of your card to pay via automated system or live agent.
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Pay by mail – Mail a check or money order to the payment address listed on your statement. Allow 7-10 days for processing.
Just remember, one-time payments require you to log in and submit payment yourself each month. It’s easy to forget.
Leverage Payment Tools
Amex offers useful tools to make bill payment even simpler:
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Paperless billing – Go paperless to access statements digitally 24/7.
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Email alerts – Get reminders about your payment due date and confirmation when payments are processed.
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Account updater – If your card number changes, this tool automatically updates your payment sources to avoid disruptions.
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Money management calculator – See how much extra you need to pay each month to pay off your balance by a target payoff date.
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Bill calendar – View all your upcoming payment due dates in one place for easy planning.
Use these features to take control of your monthly payments.
Manage Your Account Online
In addition to making payments, American Express’ online tools allow you to:
- Check your available credit
- View payment history
- Update personal info
- Activate new cards
- Manage add-on cards
- Dispute transactions
- Contact customer service
- And more!
Become familiar with all the self-service account management options. Avoid needing to call Amex to get things done.
Tips for Paying Your Amex Card
- Schedule payments several days early to ensure on-time delivery.
- Pay more than the minimum when possible to save money on interest.
- Notify Amex immediately if you lost your card or it was stolen.
- Set payment reminders in your calendar as a backup to autopay.
- Avoid account sharing and use strong unique passwords.
- Contact Amex right away if you’ll have trouble making a payment.
Staying on top of your bill is key to building and maintaining strong credit with Amex.
Paying your American Express credit card online is quick, easy, and secure. Simply log into your account via the Amex website or mobile app. Schedule automatic payments or manually pay your bill each month. Take advantage of tools like paperless billing, email notifications, and account management features. Carefully review statements and report any unauthorized activity right away. Maintaining good account habits will help you maximize the value of your Amex card.
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.
How to Pay American Express Credit Card Bill via Amex app
FAQ
How do I pay my American Express credit card bill?
Can I pay my bills with Amex credit card?
What is the 1-800-number to American Express?
Can I pay a credit card bill through a credit card?
How do I make an AmEx credit card payment?
If your Amex card was issued by American Express, your only options are to pay online, with the app, over the phone, or by mailing a check. The easiest way to make an Amex credit card payment is online or with the American Express app. Just log in, click “Make a Payment,” and choose or add your preferred bank account to pay from.
Can I pay my American Express bill online?
You can only pay an American Express card’s bill in person if the card is on the American Express network, but issued by another bank or credit union. That’s because Amex does not have any physical locations. If your Amex card was issued by American Express, your only options are to pay online, with the app, over the phone, or by mailing a check.
How do I Check my American Express card payment status?
This number can be quoted for any transaction queries. In case you do not get a Transaction “SUCCESS” message and the amount gets debited from your Bank Account, kindly check the payment status after 1-2 business days by logging onto your American Express Card Account online.
When will my American Express card be credited?
Your American Express Card will be credited with the amount you authorised within 2 business days. Can I also pay for my add-on and supplementary cards? Payments can be made only towards Credit Cards issued by American Express, including add-on and supplementary cards.
Does creditsecure accept AMEX cards?
CreditSecure® on the American Express website accepts Amex Cards. Membership Rewards FICO® Score and Insights CreditSecure Refer A Friend Additional Information Credit Intel – Financial Education Center Supplier Diversity Credit Score 101 US Newcomers Frequently Asked Questions United StatesChange Country Terms of Service Privacy Center Do Not Sell or Share My Personal Information AdChoices
What benefits does Amex offer?
Rewards & BenefitsRewards & Benefits Rewards Membership Rewards® Program Cash back Refer a Friend Benefits and Offers View All Benefits Travel Amex Offers Entertainment and Events Security Manage Membership Dashboard Rewards Summary Points Value Calculator Cover Card Charges Pay with Points Redeem points for Gift Cards Support