AXP: Company disclosure

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 July 31, June 30 and May 31, 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 July 31, June 30 and May 31, 2026 (Billions, except percentages) July 31, 2026 June 30, 2026 May 31, 2026 U.S. Consumer Card balances : Total Card balances $ 113.1 $ 113.8 $ 113.8 30 days past due as a % of total 1.1 % 1.1 % 1.1 % Average Card balances $ 113.5 $ 113.8 $ 112.6 Net write-off rate – principal only (a)(b) 1.7 % 1.4 % 2.0 % U.S. Small Business Card balances : Total Card balances $ 46.1 $ 45.9 $ 46.7 30 days past due as a % of total 1.3 % 1.4 % 1.4 % Average Card balances $ 46.0 $ 46.3 $ 46.2 Net write-off rate – principal only (a)(b) 2.6 % 2.3 % 2.6 % Total Card balances held for investment – U.S. Consumer and U.S. Small Business $ 159.2 $ 159.7 $ 160.5 (a) Net write-off rate based on principal only (i.e., excluding interest and/or fees). (b) During June 2026, the Company sold certain previously written-off Card balances to a third party. Accordingly, the Net write-off rate – principal only reported above for June 2026 reflects the proceeds from the sale. For June 2026, the sale reduced the net write-off rates by approximately 0.3% and 0.1% for the U.S. Consumer and U.S. Small Business portfolios, respectively. The statistics presented above provide information that is additional to the data reported by the American Express Credit Account Ma