Pay Your American Express Bill Through the Website or Mobile App

You can pay your American Express card bill online through the American Express website or the official American Express mobile app. Both routes let you make a one-time payment or set up automatic payments, and both process payments the same day if you pay before the cutoff time (usually 11:59 p.m. Eastern Time).

The website is amex.com. The mobile app is called the American Express app and is available on iOS and Android. You will need your card number and online account password to log in. If you do not have an online account yet, you can create one at amex.com before making your first payment.

Payments made online typically post to your account within one business day. If you are paying close to your due date, check the exact cutoff time for same-day posting on the payment screen before you submit.

Key Takeaways

  • Log in to amex.com or the American Express app to pay your bill online using a bank account or debit card.
  • One-time payments post within one business day if submitted before the daily cutoff, usually 11:59 p.m. Eastern Time.
  • You can set up automatic monthly payments so your bill is paid on a date you choose each month.
  • American Express also accepts payments by phone at 1-800-MY-AMEX (1-800-692-6392) if you prefer not to use the website or app.

Making a One-Time Payment Online

Log in to your American Express account on amex.com or open the American Express app. Select the card you want to pay. You will see your current balance and due date on the account overview.

Click or tap the "Pay" button or "Make a Payment" option. You will be asked how much you want to pay — you can pay the full balance, the minimum payment, or a custom amount. Enter the amount and select your payment method. American Express accepts payments from a U.S. bank account (checking or savings) or a debit card issued in the United States.

If you choose to pay from a bank account, you will need to provide your routing number and account number. If you choose a debit card, you will enter the card number, expiration date, and CVV. Review the payment details and confirm. The payment will be submitted when ready and should post within one business day.

Setting Up Automatic Monthly Payments

Automatic payments remove the need to log in each month. You can set them up to pay your full balance, your minimum payment, or a fixed dollar amount on a date you choose.

From your account on amex.com or the app, go to "Account Services" or "Settings" and look for "Automatic Payments" or "Autopay." Select the card, choose the payment amount type, and enter the date you want the payment to come out each month. Provide your bank account or debit card information. You can change or cancel automatic payments at any time by returning to the same menu.

If you set up autopay to pay your full balance, American Express will charge whatever your balance is on the payment date. This is useful if you carry a balance month to month, because you will not have to remember to adjust the amount manually.

Paying by Phone or Mail If You Cannot Use Online

If you do not have internet access or prefer to pay by phone, call American Express at 1-800-MY-AMEX (1-800-692-6392). A representative can process a one-time payment over the phone using your bank account or debit card information. Have your card number and the account or card you want to pay from ready when you call.

You can also mail a check or money order to the address printed on your billing statement. Write your card number on the check and mail it to the payment address listed on your bill. Mailed payments typically take 7 to 10 business days to post, so send them well before your due date if you want to avoid late fees.

What Happens If You Miss Your Due Date

If your payment does not post by the due date shown on your statement, American Express will charge a late fee. The fee amount depends on your card and your account history. You will also be charged interest on any unpaid balance at your card's purchase APR.

If you realize you will miss the due date, contact American Express when ready. Call 1-800-MY-AMEX to make a payment over the phone, or log in online and make a payment right away. Paying as soon as possible can prevent or reduce late fees in some cases, though American Express will still charge a fee if the payment posts after the due date.

If you have missed payments in the past, your interest rate may be higher, and your credit score may be affected. Paying on time each month is the most important step to keeping your account in good standing.

Troubleshooting Payment Problems

If your payment is rejected, the most common reasons are an incorrect bank routing number, an expired debit card, or insufficient funds in the account you are paying from. Check that the routing number matches your bank's records — you can find this on a check or by calling your bank. If you are using a debit card, make sure it has not expired and that the card issuer has not blocked the transaction.

If you see a payment pending on your account but it has not posted after one business day, wait one more day. Payments sometimes take an extra day to clear, especially if submitted late in the evening. If it still has not posted after two business days, log back in and check the payment status, or call American Express at 1-800-MY-AMEX.

If you are having trouble logging into your account, use the "Forgot Password" link on amex.com to reset your password. If you have never created an online account, go to amex.com and select "Register" to set one up. You will need your card number and Social Security number to register.

Frequently Asked Questions

Can I pay my American Express bill from another bank's website?

Yes. Many banks allow you to set up bill payments to American Express through their own online banking platform. Log in to your bank's website, go to bill pay, and enter American Express as the payee. You will need the payment address from your American Express statement. Payments sent this way typically take 3 to 5 business days to post.

Is there a fee to pay my American Express bill online?

No. American Express does not charge a fee for paying your bill online through amex.com, the mobile app, or by phone. If you pay through your bank's bill pay system, your bank may charge a fee, though most do not.

What time does American Express stop accepting payments for same-day posting?

The cutoff is usually 11:59 p.m. Eastern Time, but you should check the exact time on the payment screen when you log in, as it can vary. If you submit a payment after the cutoff, it will post the next business day.

Can I pay more than my balance?

Yes. If you pay more than you owe, the extra amount becomes a credit on your account. You can use the credit toward future purchases, or you can request a refund by calling American Express at 1-800-MY-AMEX.

What should I do if I cannot remember my due date?

Log in to amex.com or the app and look at your account overview — your due date is displayed there. You can also find it on your monthly billing statement. If you want to change your due date, call American Express at 1-800-MY-AMEX and ask to move it to a date that works better for your budget.