American Express Company

Item 7.01 Regulation FD Disclosure American 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 September 30, August 31 and July 31, 2026 and the three months ended September 30, 2026; Card balances classified as held for sale on the Consolidated Balance Sheets are not reflected in the table below. American Express Company U.S. Consumer and U.S. Small Business Delinquency and Write-off Rate Statistics As of and for the months ended September 30, August 31 and July 31, 2026 and the three months ended September 30, 2026 (Billions, except percentages) (Preliminary) August 31, July 31, (Preliminary) September 30, 2026 2026 Three Months Ended 2026 September 30, 2026 U.S. Consumer Card balances: Total Card balances $114.3 $114.2 $113.1 $114.3 30 days past due as a % of total 1.2% 1.1% 1.1% 1.2% Average Card balances $114.2 $113.7 $113.5 $113.9 Net write-off rate – principal only (a) 1.5% 1.7% 1.7% 1.6% U.S. Small Business Card balances: Total Card balances $46.6 $46.1 $46.1 $46.6 30 days past due as a % of total 1.4% 1.3% 1.3% 1.4% Average Card balances $46.3 $46.1 $46.0 $46.2 Net write-off rate – principal only (a) 2.1% 2.2% 2.6% 2.3% Total Card balances held for investment – U.S. Consumer and U.S. Small Business $160.9 $160.3 $159.2 $160.9 (a) Net write-off rate based on principal only (i.e., excluding interest and/or fees). The 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. -2- Set 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. American Express Credit Account Master Trust (Billions, except percentages) September 1, 2026 August 1, 2026 July 1, 2026 through through through September 30, 2026 August 31, 2026 July 31, 2026 ────────────────────────────────────────────────────────────────────────────────────────────────────────────── Ending total principal balance $24.7 $25.0 $24.9 Defaulted amount $0.04 $0.04 $0.04 Annualized default rate, net of recoveries 1.0% 1.0% 1.1% Total 30+ days delinquent $0.2 $0.2 $0.2 -3-