Where to Mail Your American Express Bill Payment

If you’re an American Express cardmember, you likely appreciate the convenience of paying your bill online. With just a few clicks, your payment is on its way. But occasionally you may need to mail a physical check or money order to American Express.

This article will tell you the right address to send American Express bill payments through the mail. We’ll also talk about how to avoid late fees, when to give yourself extra time for mail delivery, and how simple it is to switch to electronic payments.

American Express Payment mailing addresses

American Express provides two mailing addresses for card payments – one for standard delivery and one for express/expedited delivery:

For standard first-class mail use:

American ExpressPO Box 96001Los Angeles, CA 90096 - 8000

For express or overnight delivery use:

American ExpressAttn: Express Mail Remittance Processing  20500 Belshaw Ave.Carson, CA 90746

Always be sure to include your 16-digit American Express account number on the front of your check or money order

Allow 5-7 days for standard mail delivery

It’s important to note that American Express suggests allowing 5-7 business days for your mailed payment to reach them and post to your account.

So you’ll want to mail your payment at least 1 week before your actual due date, especially if your payment deadline falls close to a weekend or holiday when mail service can be delayed.

Mailing too close to your due date risks a late payment if delivery is slowed. American Express payment due dates are the same each month, so you can easily plan ahead.

Avoid late fees with proper planning

American Express charges late fees if your payment is not received by the due date shown on your statement The fee is usually around $40

To avoid late fees when mailing payments:

• Mail at least 5-7 days before your due date
• Use express delivery if mailing close to due date
• Pay early in the month if due date falls on a holiday
• Switch to electronic payments to avoid mail delays

Setting up automatic payments through your bank is the best way to avoid late payments altogether. Online payments through the American Express website also post to your account quickly, usually within 24 hours.

How to switch to electronic payments

While mailing a paper check gives you a payment record, electronic payments are more convenient, timely, and reliable. Here are some ways to switch to digital payments:

• Enroll in AutoPay – Set up automatic monthly payments from your bank account through the American Express online account system.

• Pay online – Log into your account anytime 24/7 to make one-time payments by transferring from your bank account.

• Use the mobile app – Download the American Express app to your phone and pay via the app.

• Pay by phone – Call the number on the back of your card to make payments through American Express phone representatives.

What information to include with mailed payments

If you do need to mail an American Express payment, be sure to include:

• Your 16-digit American Express card account number
• Check or money order made payable to “American Express”
• Payment coupon from your statement (optional)
• Return address so American Express can send a confirmation of payment

Do not send cash payments through the mail. American Express does not recommend mailing cash.

Can I drop off payments in person?

Currently there are no American Express physical locations where you can drop off or pick up card payments. Any locations you see advertising American Express bill payments are third-party payment centers, not operated by American Express.

To maintain security and payment accuracy, American Express does not accept hand-delivered payments. You need to either mail checks to one of their PO boxes or make payments electronically through their online system.

What about international payments?

If you need to mail a payment from outside the United States, you can send payment to one of the addresses below:

American ExpressP.O. Box 7404New York, NY 10019-0304USA American ExpressP.O. Box 3204 London, EnglandW1A 2VT

Be sure to include your American Express account number and allow plenty of time for international delivery before your due date.

Can I change my monthly due date?

American Express due dates do not vary from month to month. But you can request a one-time due date change by contacting their customer service team.

If approved, your due date will be moved to a different day for one statement cycle. So if you have a major expense or trip planned near your normal due date, you can shift the payment deadline.

Just keep in mind that due date changes are only temporary. The next month your original due date will apply again.

Set payment reminders and alerts

To help avoid forgetting about upcoming payments, be sure to set up alerts and reminders through your online American Express account. You can receive notifications by email, text, or push notification when:

• Your eStatement is ready to view
• Your payment is due soon
• Your payment confirmation is available

Enabling notifications ensures you never miss an important payment deadline.

Bottom line

While American Express offers fast electronic payment options, you can still mail your payment if needed. Just be sure to use the proper PO box address, allow extra time for mail delivery, and consider switching to digital payments for convenience and speed.

With a little planning, you can easily avoid late fees and keep your American Express account in good standing. The key is paying early enough to account for potential mail delays.