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 May 31, April 30 and March 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 May 31, April 30 and March 31, 2026 (Billions, except percentages) May 31, 2026 April 30, 2026 March 31, 2026 U.S. Consumer Card balances : Total Card balances $ 113.8 $ 111.4 $ 110.8 30 days past due as a % of total 1.1 % 1.2 % 1.3 % Average Card balances $ 112.6 $ 111.1 $ 109.1 Net write-off rate – principal only (a) 2.0 % 2.1 % 2.0 % U.S. Small Business Card balances : Total Card balances $ 46.7 $ 45.8 $ 45.2 30 days past due as a % of total 1.4 % 1.5 % 1.6 % Average Card balances $ 46.2 $ 45.5 $ 44.6 Net write-off rate – principal only (a) 2.6 % 2.4 % 2.6 % Total Card balances held for investment – U.S. Consumer and U.S. Small Business $ 160.5 $ 157.2 $ 156.0 (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 b