You can expect to receive your statement approximately every 30 days. Your statement will include your Payment Due Date for that month. Keep in mind that while your statement dates can vary slightly from month to month, your Payment Due Date will remain the same. You can also view your Payment Due Date by logging into your account online or in the American Express® App and navigating to “Statements”. You can make a payment at any time before your Payment Due Date.
Go paperless You can choose to enroll in paperless delivery of your statements and account communications by logging into your digital account and navigating to Account Preferences. Then youll receive statements and communications online and receive helpful account alerts straight to your inbox.
Use the bank account on file to pay – you can add a bank if youve 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.
Paying your credit card bill each month is essential to building good credit and avoiding interest charges But between due dates, mailing payments, and tracking balances, keeping up with payments can be a hassle The good news is American Express offers a free autopay feature that takes the effort out of paying your bill.
In this comprehensive guide, we’ll explain how American Express autopay works, walk through how to enroll, and share tips for getting the most out of automatic payments.
What is American Express Autopay?
American Express autopay is a feature that allows you to set up recurring automatic payments to your Amex card each month
With autopay enabled American Express will withdraw your full statement balance or a set minimum amount from your bank account on the payment due date each billing cycle. You don’t have to remember to log in and manually submit payments every month.
The autopay feature is free for all American Express consumer and small business cardmembers. It’s available for personal and corporate cards.
Benefits of American Express Autopay
Enrolling in autopay offers many advantages:
-
Never miss a payment – Autopay ensures your bill gets paid on time every month. No more late fees!
-
Earn rewards – Paying the statement balance helps you maximize points and cash back rewards.
-
Simplify finances – One less bill to keep track of when handled automatically.
-
Strengthen credit – On-time payments support your credit building goals.
-
Peace of mind – Set it and forget it. Let autopay handle bill payment hassles.
-
Account oversight – Monitor statement balances before due dates as payments will process automatically.
How American Express Autopay Works
When you enroll in autopay, you choose to pay either your full statement balance or a set dollar amount each month. Here is how it works:
-
On your payment due date each month, American Express will automatically charge your linked bank account for the determined autopay amount.
-
Payments process the morning of your due date, after the statement balance updates.
-
You can change the autopay amount or cancel anytime through your online account.
-
Your first autopay payment may not hit your current statement cycle. Continue making normal payments until autopay starts.
How to Enroll in American Express Autopay
Enrolling in autopay is quick and easy through your online American Express account:
-
Log into your account at americanexpress.com.
-
Under “Account Services,” select “Manage AutoPay.”
-
Choose the card you want to enroll.
-
Pick your preferred payment amount:
-
Full statement balance
-
Set dollar amount
-
-
Enter your bank account information.
-
Review and submit your enrollment.
Once submitted, American Express will automatically make payments on your behalf moving forward!
Tips for Managing American Express Autopay
Here are some tips for getting the most from autopay:
-
Check statements routinely – Verify statement balances before due dates so you know how much will be paid automatically.
-
Set payment alerts – Get email/text notifications when payments are processed so you stay informed.
-
Log payment confirmations – Note autopay confirmation numbers each month for your records.
-
Pay some charges manually – Consider paying large purchases separately before the due date.
-
Split payment types – Use autopay for part of your balance and pay the rest manually.
-
Change the payment amount – Adjust the autopay amount at any time to meet your needs.
-
Fund your account – Make sure your bank account has enough money on payment day.
-
Cancel anytime – You can disable autopay online if you no longer want to use it.
Pay Your American Express Bill Effortlessly with Autopay
Autopay takes the hassle out of credit card payments by handling them automatically each month. Enroll through your Amex online account in just minutes. Say goodbye to payment anxiety and late fees! Simplify bill payment management with American Express autopay.
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
Can you set up automatic payments with American Express?
To enroll in AutoPay, simply open your Amex® App. If you don’t 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. ”.
How do I cancel auto pay on Amex?
You can manage your AutoPay settings through your online account. You can change, temporarily stop, or cancel AutoPay by choosing: – “Pause Monthly AutoPay” to stop or start for up to 3 months – “Stop Monthly AutoPay” to discontinue.
Is Amex pay over time automatic?
At Account opening, the Pay Over Time feature on your Account is set to Active. This means that any good charges made to your account will be added to your Pay Over Time balance right away.
Why should I pay my American Express bill automatically?
You don’t have to worry about missed due dates or late fees when you use your American Express card to set up automatic bill payment. With American Express, your payment is safe, and your Card statement lets you keep track of your rewards and household costs. The choice is yours: make one-time payments or set up automatic bill payments.
How do I make an American Express payment?
Select “Make a Payment”. To pay, use the bank account that’s already linked. If you haven’t already, you can add a bank. Pick out the amount you want to pay, the date you want to pay, and confirm your one-time payment. Now you’re good to go. Browse our Amex Bill Payment Guide to Find How to Make an American Express Payment.
How do I set up autopay for my American Express credit card?
You can set up automatic payments for your American Express credit card online or through the Amex mobile app. Alternatively, you can set up automatic payments over the phone at (800) 528-4800. Find “Payments” on the account home page and then select “AutoPay Settings”. Enter your bank account routing number and account number.
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. These seven ways for AmEx customers to pay include paying online or on their phone, by mail, over the phone, or even in person.
How do I set up a pre-authorized payment plan with American Express?
American Express lets you set up a pre-authorized payment plan on your phone or online. This is in addition to one-time authorized monthly online payments. With this option, American Express can take out your monthly minimum payment or full statement balance from the bank account you linked.
Does American Express accept payment by mail?
American Express says that you can pay them online at any time, but you can also send them money orders or checks to pay. Of course, if you choose this option, you should mail your payment early enough to make sure it gets there before the due date.
