American Express issues $1.5B in notes due 2030

Q: What notes did AXP issue and in what amounts?

American Express issued $1,500,000,000 of 5.447% Fixed-to-Floating Rate Notes, $1,150,000,000 of 5.817% Fixed-to-Floating Rate Notes, and $350,000,000 of Floating Rate Notes on October 30, 2026.

Q: When do AXP's newly issued notes mature?

The notes mature on October 30, 2030, October 27, 2034, and October 30, 2030, respectively.

Available on EDGAR 10/30/2026 - 02:00 PM EDT Accepted by SEC EDGAR 10/30/2026 - 02:00 PM EDT

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)How Sentiment works

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Form Type

8-K

Rhea-AI Filing Summary

American Express Company (AXP) issued three tranches of notes on October 30, 2026: $1,500,000,000 of 5.447% Fixed-to-Floating Rate Notes due October 30, 2030; $1,150,000,000 of 5.817% Fixed-to-Floating Rate Notes due October 27, 2034; and $350,000,000 of Floating Rate Notes due October 30, 2030. The notes were issued under a prospectus supplement dated October 26, 2026, to a prospectus dated February 9, 2024. They are governed by a senior indenture dated August 1, 2007, between American Express and The Bank of New York Mellon, as trustee, as supplemented by indentures dated February 12, 2021, and May 1, 2023.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Aggregate principal amount: $1,500,000,000 Stated rate: 5.447% Aggregate principal amount: $1,150,000,000 +5 more

8 metrics

Aggregate principal amount $1,500,000,000 5.447% Fixed-to-Floating Rate Notes due October 30, 2030

Stated rate 5.447% Fixed-to-Floating Rate Notes due October 30, 2030

Aggregate principal amount $1,150,000,000 5.817% Fixed-to-Floating Rate Notes due October 27, 2034

Stated rate 5.817% Fixed-to-Floating Rate Notes due October 27, 2034

Aggregate principal amount $350,000,000 Floating Rate Notes due October 30, 2030

Maturity October 30, 2030 $1,500,000,000 of 5.447% Fixed-to-Floating Rate Notes

Maturity October 27, 2034 $1,150,000,000 of 5.817% Fixed-to-Floating Rate Notes

Maturity October 30, 2030 $350,000,000 of Floating Rate Notes

Key Terms

Fixed-to-Floating Rate Notes, Floating Rate Notes, senior indenture, supplemental indenture, +1 more

5 terms

Fixed-to-Floating Rate Notes financial

"5.447% Fixed-to-Floating Rate Notes due October 30, 2030"

Floating Rate Notes financial

"$350,000,000 aggregate principal amount of Floating Rate Notes"

Floating rate notes are debt securities that pay interest that adjusts periodically based on a short-term interest benchmark (for example, LIBOR or SOFR), so the cash interest you receive goes up or down with market rates. For investors they act like an adjustable-rate loan: they help protect income when overall interest rates rise and generally lose less value than fixed-rate bonds when rates move, making them useful for managing interest-rate risk.

senior indenture financial

"under a senior indenture, dated as of August 1, 2007"

supplemental indenture financial

"as supplemented by the first supplemental indenture thereto"

A supplemental indenture is a written amendment to the original bond agreement that changes specific terms of a debt contract, such as payment schedules, interest rates, collateral or covenant protections. Investors care because it alters the legal rights and risks tied to a security — like renegotiating a mortgage where the lender and borrower agree to new rules — and can affect a bond’s credit quality, yield and market value.

Prospectus Supplement regulatory

"pursuant to a Prospectus Supplement dated October 26, 2026"

A prospectus supplement is an additional document provided alongside a company's main offering details, offering updated or extra information about a specific financial product being sold. It helps investors understand the latest terms, risks, and details of the investment, similar to how an update or revision clarifies or expands on original instructions, ensuring they have current and complete information before making a decision.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What notes did AXP issue and in what amounts?

American Express issued $1,500,000,000 of 5.447% Fixed-to-Floating Rate Notes, $1,150,000,000 of 5.817% Fixed-to-Floating Rate Notes, and $350,000,000 of Floating Rate Notes on October 30, 2026.

When do AXP's newly issued notes mature?

The notes mature on October 30, 2030, October 27, 2034, and October 30, 2030, respectively.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 30, 2026

AMERICAN EXPRESS COMPANY

(Exact name of registrant as specified in its charter)


New York	1-7657	13-4922250
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

200 Vesey Street,

New York, New York 10285

(Address of principal executive offices and zip code)

(212) 640-2000

(Registrant’s telephone number, including area code)


Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Shares (par value $0.20 per Share)	AXP	New York Stock Exchange
3.433% Fixed-to-Floating Rate Notes due May 20, 2032	AXP32	New York Stock Exchange
3.835% Fixed-to-Floating Rate Notes due June 16, 2034	AXP34	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01 Other Events.

Exhibits are filed herewith in connection with the issuance by American Express Company (the “Company”), on October 30, 2026, of $1,500,000,000 aggregate principal amount of 5.447% Fixed-to-Floating Rate Notes due October 30, 2030, $1,150,000,000 aggregate principal amount of 5.817% Fixed-to-Floating Rate Notes due October 27, 2034 and $350,000,000 aggregate principal amount of Floating Rate Notes due October 30, 2030 (collectively, the “Notes”) pursuant to a Prospectus Supplement dated October 26, 2026 to the Prospectus dated February 9, 2024, filed as part of the Company’s Registration Statement on Form S-3 (No. 333-276975). The Notes were issued under a senior indenture, dated as of August 1, 2007, between the Company and The Bank of New York Mellon, as trustee (the “Trustee”), as supplemented by the first supplemental indenture thereto, dated as of February 12, 2021, and the second supplemental indenture thereto, dated as of May 1, 2023, each between the Company and the Trustee.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

The following exhibits are incorporated by reference into the Registration Statement as exhibits thereto and are filed as part of this Current Report:


Exhibit			Description
5			Opinion and Consent of Benjamin L. Kuder, Esq.
23			Consent of Counsel (included in Exhibit 5)
104			The cover page of this Current Report on Form 8-K, formatted as inline XBRL.

-2-

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


			AMERICAN EXPRESS COMPANY
			(REGISTRANT)

			By:			/s/ James J. Killerlane III
						Name: James J. Killerlane III
						Title: Corporate Secretary

Date: October 30, 2026

-3-

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

5 documents

American Express issues $1.5B in notes due 2030

Rhea-AI Filing Summary

8-K Event Classification

Key Figures

Key Terms

FAQ

What notes did AXP issue and in what amounts?

When do AXP's newly issued notes mature?

Filing Exhibits & Attachments

Other Documents

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