With American Express, it’s easy to pay your bill as long as you know where to send it. American Express cardholders can pay in a number of convenient ways, such as online, by phone, through a mobile app, or through the mail. If you have to mail your payment, make sure you use the right American Express ZIP code and address to keep the process moving quickly. This guide will tell you everything you need to know to pay your Amex bill, such as which ZIP codes are best for standard and express mail delivery.
Overview of Payment Options
American Express offers cardmembers various ways to pay their monthly credit card bills. so you can choose the method that works best for your needs
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Online – You can pay your bill via the American Express website 24/7 by signing into your account and entering your payment information. Online payments typically post to your account within 24 hours.
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Mobile App—The Amex mobile app makes it easy to pay your bill while you’re out and about. Simply download the app, log in, and submit your payment.
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Phone: To pay your bill, call the number on the back of your card and follow the on-screen instructions. Amex phone payments are processed quickly, usually within a day.
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Mail – You can pay by check or money order by mailing your payment to American Express. Allow 5-7 days for standard delivery to ensure your payment is received by the due date.
While digital payment methods are fastest, check payments sent by mail are still accepted if needed.
American Express Bill Payment Addresses
If you choose to mail your Amex card payment, it’s crucial to use the proper address and ZIP code. This ensures your payment is received and applied to your account on time.
American Express provides two payment mailing addresses:
Standard Delivery
For first class mail sent via USPS, use the standard American Express payment address:
American Express
PO Box 96001
Los Angeles, CA 90096-8000
This ZIP code is specifically for consumer card payments sent via regular USPS first class mail.
Expedited Delivery
If you need faster processing, use the express payment address:
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
This ZIP code is for fast shipping with UPS, FedEx, DHL, and other companies. It lets payments be processed overnight if they are sent by 3 p.m. on business days.
- 90096 is the ZIP for standard USPS first class mail
- 90746 is the ZIP for expedited/overnight deliveries
Always include your 16-digit American Express account number on the payment as well.
Allow 5-7 Days for Standard Mail
While the express address enables next day processing, standard mail takes longer.
American Express recommends allowing 5-7 business days for first class mail payments to reach them and post to your account.
This is especially important if your payment due date falls near a weekend or holiday when mail delivery could be delayed. To avoid late fees, send your payment at least 1 week before your actual due date when using standard delivery.
Pay Early to Avoid Late Fees
American Express charges late fees if your payment is not received by the due date shown on your monthly statement. The typical late fee amount is around $40.
To avoid late fees when mailing your payment, follow these tips:
- Mail at least 7 days before your due date to account for delivery time
- Use express shipping if your due date is near
- Pay early in billing cycles that end close to holidays
- Switch to electronic payments to avoid mail delays altogether
Setting up automatic payments from your bank is the most reliable way to avoid late Amex payments. Online and phone payments through Amex also bypass mailing issues.
American Express Customer Service
If you have any questions about your American Express bill payment options or need help with your account, customer service is available 24/7:
Phone: 1-800-528-4800
International: 1-336-393-1111
Amex customer support can assist with payment issues, address changes, account management, and any other needs you may have.
Switching to Electronic Payments
While check payments work, digital payment methods are faster and more convenient. Here are some ways to switch from mailing payments to electronic payments:
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Enroll in Autopay – Set up automatic monthly payments from your bank account through your online Amex account.
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Pay online – Log into your account anytime to pay your bill via bank transfer.
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Use the Amex app – Download the app on your phone to make quick payments on-the-go.
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Pay by phone – Call Amex anytime to make payments via phone representatives.
Going paperless simplifies the process so you don’t have to worry about mail delays. Just pick the electronic method that fits your preferences best.
Bottom Line
When mailing your American Express credit card payment, being aware of the proper ZIP codes and addresses prevents processing holdups. Use 90096 for standard mail and 90746 for expedited delivery. Pay at least 1 week before your due date and consider switching to digital payments for convenience. Follow these tips and you can easily manage your Amex bill pay.
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General Inquiries
El Paso, TX 79998-1535
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American Express Global Payment Options
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American Express National Bank
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El Paso, TX 79998-1535
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Attn: Express Mail Remittance Processing 20500 Belshaw Ave
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American Express National Bank
Salt Lake City, UT 84130
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Get help with your existing American Express account.
Make a Payment
Pay your bill by phone. You can also make a payment online.
Apply for a Card
Apply for a Small Business Card today by phone.
Mon – Fri: 9 am – 12 am EST
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General Inquiries
American Express P.O. Box 981535
El Paso, TX 79998-1535
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Customer Service (for Program Administrators)
8 am – 8 pm EST
Corporate Membership Rewards (for Program Administrators)
8 am – 8 pm EST
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Global Dollar Card Customer Service (for Program Administrators)
General Inquiries
American Express P.O. Box 981535
El Paso, TX 79998-1535
Bill Payment
Bill Payment (Overnight)
Attn: Express Mail Remittance Processing
Phone
Customer Service
Mon – Fri: 8 am – 9 pm EST
Sat: 10 am – 6 pm EST
General Inquiries
- For questions about the card, like credit limits, card maintenance, plastic card disputes, adding plastic users, extra users, and more Program Administrators, the Card Member should call the numbers listed above under “Small Business” and “Corporate.”
- It’s up to the Program Administrator to call the numbers in the Corporate section above for help with things like program level management, payments, rewards, ordering new or replacement employee cards, and program level reporting.
- Should you be a buyer who uses an AP automation solution other than American Express One AP or Synaptic, please get in touch with that solution directly.
- Customers who use American Express One AP or Synaptic should contact the following people. If you are a supplier with a virtual card inquiry for all accounts payable automation solutions, you should contact the following people:
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American Express One AP (for US Small Business and Corporate Buyers)
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Synaptic (for US Small Business and Corporate Buyers)
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Mon – Fri: 8 am – 6 pm ET
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Get help with your existing Business Checking account.
Check Application Status
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Mon – Fri: 9 am – 6 pm EST
Open an Account
Learn more and apply to open an account online.
Applying by phone is unavailable.
General Inquiries
American Express National Bank
Salt Lake City, UT 84130
Phone
Business Loans
You can also manage your loan account online.
Mon – Fri: 9 am – 8 pm EST
General Inquiries
El Paso, TX 79998-1535
Bill Payment
Bill Payment (Overnight)
Attn: Express Mail Remittance Processing 20500 Belshaw Ave
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✅ How To Register Zip Code On American Express Amex Gift Card
FAQ
Where is the billing ZIP code on an American Express card?
You can call customer service or log in to your online account and look for your billing address under “personal information.” This will give you the ZIP code that goes with your credit card. Normally, your credit card’s ZIP code will be the same as the ZIP code for your current mailing address.
What ZIP code do I use for an Amex gift card?
American Express Gift Cards, PO Box 826, Fortson, GA 31808. Cards are issued by American Express Prepaid Card Management Corporation. PCMC is licensed as a Money Transmitter by the New York State Department of Financial Services.
What is postal code in American Express card?
What is a credit card ZIP code or postal code? A credit card ZIP code is the 5-digit zip code from your U. S. billing address. When you check out, the ZIP code you enter must match the ZIP code that is linked to your official cardholder address.
How do I pay my American Express Bill overnight?
For overnight payment processing, the Express mail address is: American Express also has a number of faster ways to send your payment besides mailing it. You can make a payment through your online account or through the Amex mobile app. Or, you can call customer service at (800) 472-9297 to pay your bill by phone.
How do I make American Express payments?
Pay online – Log into your account anytime 24/7 to make one-time payments by transferring from your bank account. Pay by phone – Call the number on the back of your card to make payments through American Express phone representatives. If you do need to mail an American Express payment, be sure to include: Do not send cash payments through the mail.
Should I pay my American Express bill online?
If you’re an American Express cardmember, you likely appreciate the convenience of paying your bill online. With just a few clicks, your payment is on its way. But occasionally you may need to mail a physical check or money order to American Express.
Does American Express accept electronic payments?
While American Express offers fast electronic payment options, you can still mail your payment if needed. Just be sure to use the proper PO box address, allow extra time for mail delivery, and consider switching to digital payments for convenience and speed.
Does American Express accept cash payments?
American Express accepts payments by check or money order mailed to this address, while cash payments are not accepted. Just be sure to allow enough time so that Amex receives your payment on or before the due date, and write your account number on the front of your payment to avoid any processing delays.
Where can I drop off or pick up American Express card payments?
Currently there are no American Express physical locations where you can drop off or pick up card payments. Any locations you see advertising American Express bill payments are third-party payment centers, not operated by American Express. To maintain security and payment accuracy, American Express does not accept hand-delivered payments.
