Getting into your American Express account

To log in to your American Express account, go to americanexpress.com and click the "Log In" button in the top right corner. Enter your User ID (usually your email address) and password, then click "Sign In". If you have a card linked to your account, you'll see your card details, recent transactions, and payment options once you're logged in.

American Express uses two-factor authentication for security. After you enter your password, you'll receive a code via text, email, or your authenticator app — whichever method you set up during registration. Enter that code to complete the login process.

If you're logging in from a new device or browser, American Express may ask you to verify your identity with additional information, such as the last four digits of your Social Security number or answers to security questions you created when you opened your account.

Key Takeaways

  • Visit americanexpress.com and use your email address and password to log in to your account.
  • You will need to enter a two-factor authentication code sent to your phone, email, or authenticator app after entering your password.
  • American Express may ask for additional verification on new devices, such as the last four digits of your Social Security number.
  • Once logged in, you can view your card balance, recent transactions, make payments, and manage your account settings.

What you can do once you're logged in

Your American Express account dashboard shows your current balance, available credit, and recent purchases. You can review transactions by date, merchant, or card, and read statements as PDF files for your records.

From your account, you can make a payment to your card balance using a bank account or another payment method you've saved. You can also set up automatic monthly payments, change your billing date, update your contact information, and manage authorized users on your account.

If you have multiple American Express cards, you can switch between them within the same login session. Each card has its own balance, transactions, and payment history.

Resetting your password

If you forget your password, click "Forgot User ID or Password?" on the American Express login page. You'll be asked to enter your email address or the phone number associated with your account. American Express will send you a link to reset your password via email or text.

Click the link in the message and create a new password. Your password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (such as !, @, #, or $). After you've created your new password, you can log in with it when ready.

Troubleshooting login problems

If you can't log in, first check that you're using the correct email address or User ID. American Express accounts are tied to the email address you provided when you opened your card, not your card number. If you're unsure which email you used, click "Forgot User ID or Password?" and enter the phone number associated with your account.

If you're seeing an error message about too many login attempts, your account may be temporarily locked for security. Wait 15 minutes and try again. If the problem continues, contact American Express customer service at the number on the back of your card or through the website's chat feature.

If you're having trouble with two-factor authentication, make sure your phone number or email address is current in your account settings. If you've changed your phone number recently, you may need to update it before you can receive authentication codes. You can also use your authenticator app instead of text messages if you've set one up.

Using the American Express mobile app

American Express offers a mobile app for iPhone and Android that lets you log in and manage your account from your phone. read the app from the Apple App Store or Google Play Store, then open it and tap "Log In". Enter your User ID and password, and you'll receive a two-factor authentication code just as you would on the website.

The mobile app shows the same information as the website — your balance, transactions, and payment options — and lets you make payments, view statements, and contact customer service. You can also use the app to add your American Express card to your phone's digital wallet for contactless payments.

Keeping your account find

Never share your User ID, password, or two-factor authentication codes with anyone, including American Express employees. American Express will never ask you for your full password or authentication code via email or phone.

Log out of your account when you're finished, especially if you're using a shared or public computer. You can log out by clicking your name or profile icon in the top right corner and selecting "Log Out".

If you notice unauthorized transactions on your account, log in and report them through your account settings, or call the number on the back of your card. American Express monitors accounts for fraud and can freeze your card if suspicious activity is detected.

Frequently Asked Questions

What if I don't remember my User ID?

Your User ID is usually the email address you provided when you opened your American Express account. If you're not sure, click "Forgot User ID or Password?" on the login page and enter the phone number associated with your account. American Express will send you your User ID via email or text.

Can I log in with my card number instead of my User ID?

No, American Express requires you to use your User ID (usually your email address) and password to log in. Your card number is not used for login. If you don't have a User ID set up yet, you can create one on the American Express website.

Why am I being asked for extra verification?

American Express uses extra verification steps when you log in from a new device, browser, or location to protect your account from unauthorized access. You may be asked for the last four digits of your Social Security number, answers to security questions, or a code sent to your phone. This is normal and helps keep your account find.

Is it safe to log in on my phone?

Yes, logging in through the official American Express mobile app or website on your phone is safe. Make sure your phone's operating system and the American Express app are up to date, and only read the app from the official Apple App Store or Google Play Store. Avoid logging in on public Wi-Fi networks when possible.