You can expect to receive your statement approximately every 30 days. Your statement will include your Payment Due Date for that month. Remember that even though the dates on your statements may change a little from month to month, the date that you need to pay will always be 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.
Sign up to have your statements and account communications sent to you electronically by logging into your digital account and going 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 American Express bill on time each month is important to avoid late fees and interest charges American Express offers many convenient ways to pay your bill so you can choose the option that works best for you In this comprehensive guide, I’ll walk through the various methods available to pay an American Express bill and key factors to consider when deciding which one to use.
Online Account Access
The easiest way for most American Express cardmembers to pay their bill is through online account access at americanexpress.com or via the Amex mobile app. Once logged into your account, you can view your statement balance and due date. Then just select “Make a Payment” and choose the amount you want to pay.
You’ll be prompted to select a payment method from your bank accounts on file or add a new one. Payments made directly from a bank account are free and processed quickly usually within 1-2 business days. You can also schedule payments in advance to ensure your bill gets paid on time each month.
I really think you should get online account access if you don’t already have it. You can pay your bill and see your statements, transaction history, membership rewards, and more 24 hours a day, seven days a week.
Pay by Phone
If you prefer talking to a live representative, American Express cardmembers can pay their bill over the phone by calling the number on the back of your card. The automated system will walk you through prompts to enter payment details or you can speak with a customer service agent.
Also, keep in mind that American Express does not take debit or credit cards when you pay your bill over the phone. To make a payment, you’ll need to have your bank account information handy. Phone payments are free and usually process within 1-2 days.
Pay by Mail
Paying by physical check via mail is still an option, though it’s slower than electronic payments. To pay by mail, write your 16-digit American Express card number on the check and mail it with the payment slip from your statement. Make sure to allow 7-10 days for a mailed payment to avoid late fees.
You can mail payments to this address:
American Express
P.O. Box 650448
Dallas, TX 75265-0448
One thing to watch out for with mailed payments is that American Express does not accept cash payments. Checks or money orders must be used.
Automatic Payments
You can be sure that your American Express bill will be paid on time every month if you set up automatic payments. With auto-pay, the payment amount is taken out of the account you choose on the due date.
To set up automatic payments, just log into your online account and navigate to the “Payments” section. Click “Set Up Automatic Payments” and choose the account you want payments drawn from. You can select a fixed amount to pay each month or the minimum due.
Auto-pay makes sure that you don’t miss a payment date, even if you forget. Just make sure that your account has enough money when the payment is made.
Pay at a Local Bank
Many local banks and credit unions enable American Express cardholders to make bill payments in person. You’ll need to have your account number and payment details. There may be a fee charged by the bank for paying a third-party bill.
Contact your financial institution to see if in-person American Express bill pay is available. Make sure to schedule the payment at least a week before your due date to allow processing time.
Same Day Payments
If you missed the due date on your American Express bill, they offer a same day payment option to bring your account current. To make a same day payment, call customer service and request this option. You’ll need to authorize the payment before 3PM ET on a weekday to post that day.
A fee of $15 applies for same day payments made by phone. It’s free if you use the online account portal and select same day payment before the 3PM cut-off. The money will instantly credit your account.
PayPal
American Express cardholders can use PayPal to pay their bill as a payment option. You’ll need to link your PayPal account either on the American Express website or mobile app.
Once linked, PayPal will appear as a payment choice when you go to pay your bill. Payments from a PayPal balance or linked bank account are free. A fee applies if paying with a debit or credit card through PayPal.
Major Takeaways
- Paying online through your account portal is the fastest, easiest way for most people
- Phone payments are free but American Express won’t take credit/debit cards over the phone
- Mailing a physical check ensures payment but takes 7-10 days to process
- Auto-pay provides peace of mind your bill will be paid on time every month
- Same day payments instantly bring your account current if you miss the due date
- Banks or PayPal can also be used to pay your American Express bill
No matter which option you choose, be sure to pay at least the minimum amount due by the payment due date on your statement each month to avoid late fees or interest charges. It’s easy to manage payments with the many convenient methods American Express offers.
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 signed up for Autopay before 10/23/2020 and chose to pay a certain amount may still be charged a late fee if that 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
Where can I pay my Amex bill in person?
You can pay your American Express bill at a local branch of your bank during normal business hours. Your use of this service will be governed by your bank or financial institution’s payments policies and/or guidelines, including the application of any fees.
Can I pay my American Express bill at Walmart?
Can I pay my American Express bill at Walmart? No, you cannot pay your American Express credit card bill at Walmart. However, you can pay your Amex card: Online.
Can you pay your American Express bill with cash?
You can pay your credit card with cash by either visiting your card issuer’s branch location or at the issuer’s ATM.
Can I pay my express bill in store?
Online or over the phone at (800) 201-4955 are the best ways to pay your Express Credit Card bill. Alternatively, you can make a payment via mail. Unfortunately, you cannot pay your credit card bill at an Express store.
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. From online and mobile payments to payment by phone, mail and even in person payments, check out these seven payment processing options for AmEx customers.
How do I make an American Express payment?
Select “Make a Payment”. Use the bank account on file to pay – you can add a bank if you’ve not yet linked one. 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 pay my American Express bill over the phone?
Call the number on the back of your card and, once your bank account is enrolled, you can save time by paying your American Express bill over the phone every month. This service is fee-free, quick and secure. You can pay your bill any day, 24 hours a day. Payments will be withdrawn from your enrolled US Bank checking account.
How do I pay my Amex card bill online?
You can pay your card bill online in a few simple steps: Log into your Amex online banking account. Select the card you want to pay. Then select “Make a Payment”. Select the card you wish to pay your bill from: your nominated card or any other card. Enter your card details and the amount you have to pay. Click Continue.
Does American Express accept payment by mail?
While American Express notes that you can make payments online anytime, they do accept payment by mail in the form of checks or money orders. Of course, if you choose this method, it’s important to mail your payment allowing sufficient time for arrival ahead of the due date.
Can I pay someone with my AmEx credit card?
Yes, you can pay someone with your Amex credit card. You have to link your Amex account to the account you want to pay. Then, you can make a one-time payment or schedule it. Can I Pay With Amex Without Card? Yes, you can pay with Amex without the card. You must install a digital wallet on your phone and add your Amex card.
