{"url_path":"/sec/axp/8-k/2026-07-15/item-7-01","section_key":"item-7-01","section_title":"Item 7.01 Regulation FD Disclosure","topic":"sec","document":{"doc_type":"8-K","doc_date":"2026-07-15","source_url":"https://www.sec.gov/Archives/edgar/data/4962/0000004962-26-000302-index.html","accession_number":"0000004962-26-000302","cik":"0000004962","ticker":"AXP","issuer_name":"AMERICAN EXPRESS CO","edgar_url":"https://www.sec.gov/Archives/edgar/data/4962/0000004962-26-000302-index.html","primary_entity_key":"0000004962","primary_entity_name":"AMERICAN EXPRESS CO"},"word_count":744,"has_tables":true,"body_markdown":"Item 7.01 Regulation FD Disclosure\n\nAmerican Express Company (the “Company”) is hereby furnishing below delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card balances held for investment for the months ended June 30, May 31 and April 30, 2026 and the three months ended June 30, 2026; Card balances classified as held for sale on the Consolidated Balance Sheets are not reflected in the table below.\n\nAmerican Express Company\n\nU.S. Consumer and U.S. Small Business\n\nDelinquency and Write-off Rate Statistics\n\nAs of and for the months ended June 30, May 31 and April 30, 2026 and the three months ended June 30, 2026\n\n(Billions, except percentages)\n(Preliminary)\nJune 30,\n2026May 31,\n2026April 30,\n2026(Preliminary)\nThree Months Ended\nJune 30,\n2026\n\nU.S. Consumer Card balances:\n\nTotal Card balances\n$113.8 $113.8 $111.4 $113.8 \n\n30 days past due as a % of total\n1.1 %1.1 %1.2 %1.1 %\n\nAverage Card balances\n$113.8 $112.6 $111.1 $112.4 \n\nNet write-off rate – principal only (a)(b)\n1.4 %2.0 %2.1 %1.8 %\n\nU.S. Small Business Card balances:\n\nTotal Card balances\n$45.9 $46.7 $45.8 $45.9 \n\n30 days past due as a % of total\n1.4 %1.4 %1.5 %1.4 %\n\nAverage Card balances\n$46.3 $46.2 $45.5 $45.9 \n\nNet write-off rate – principal only (a)(b)\n2.3 %2.6 %2.4 %2.4 %\n\nTotal Card balances held for investment – U.S. Consumer and U.S. Small Business\n$159.7 $160.5 $157.2 $159.7 \n\n(a)Net write-off rate based on principal only (i.e., excluding interest and/or fees).\n\n(b)During June 2026, the Company sold certain previously written-off Card balances to a third party. Accordingly, the Net write-off rate – principal only reported above for June 2026 and the three months ended June 30, 2026 reflects the proceeds from the sale. For June 2026, the sale reduced the net write-off rates by approximately 0.3% and 0.1% for the U.S. Consumer and U.S. Small Business portfolios, respectively.\n\nThe statistics presented above provide information that is additional to the data reported by the American Express Credit Account Master Trust (the “Lending Trust”) in its monthly Form 10-D report filed with the Securities and Exchange Commission. The Card balances that have been securitized through the Lending Trust, presented below, reflect only revolve-eligible balances and therefore differ from the total U.S. Consumer and U.S. Small Business Card balance portfolios, which reflect both revolve-eligible balances and pay-in-full balances and include both securitized and non-securitized Card balances. In addition, the reported credit performance of the Lending Trust may, on a month-to-month basis, be better or worse as a result of, among other things, differences in the mix, vintage and aging of balances, the use of end-of-period principal balances to calculate write-off statistics in the Lending Trust compared to the use of average Card balances over the reporting period used in the statistics of the U.S. Consumer and U.S. Small Business Card balance portfolios, as well as other mechanics of the calculation for the Lending Trust net write-off rate, which is impacted by any additions to the Lending Trust within a particular period. Statistics for the U.S. Consumer and U.S. Small Business Card balance portfolios and the Lending Trust for any particular monthly period may be subject to variability due to a number of factors, including the number of days in a month, timing of holidays and weekends, seasonality and the timing of information received from third parties.\n\n-2-\n\nSet forth below is certain information regarding the credit performance of the Lending Trust for its three most recent monthly reporting periods, as reported in its Form 10-D report filed with respect to each such period.\n\nAmerican Express Credit Account Master Trust\n\n(Billions, except percentages)\n\nJune 1, 2026\n\nthrough\n\nJune 30, 2026\n\nMay 1, 2026\n\nthrough\n\nMay 31, 2026\n\nApril 1, 2026\n\nthrough\n\nApril 30, 2026\n\nEnding total principal balance$25.2 $25.4 $25.0 \n\nDefaulted amount$0.04 $0.04 $0.04 \n\nAnnualized default rate, net of recoveries (a)\n0.7 %1.2 %1.3 %\n\nTotal 30+ days delinquent$0.2 $0.2 $0.2 \n\n(a)As noted above, during June 2026, the Company sold certain previously written-off Card balances to a third party. Accordingly, the Annualized default rate, net of recoveries reported above for June 2026 reflects the proceeds allocable to the Lending Trust from the sale.\n\n-3-\n\nSIGNATURE\n\nPursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.\n\nAMERICAN EXPRESS COMPANY\n\n(REGISTRANT)\n\nBy:/s/ James J. Killerlane III\n\nName:  James J. Killerlane III\n\nTitle:    Corporate Secretary\n\nDate: July 15, 2026\n\n-4-"}