Paying your American Express bill on time each month is important to keep your account in good standing But you may be wondering – where exactly can I pay my Amex bill and what payment options are available? American Express offers cardmembers multiple convenient ways to pay including online, through the mobile app, by phone, by mail, and even in person at some locations
In this comprehensive guide, we’ll walk through the various places you can pay an American Express bill and highlight the pros and cons of each method We’ll also provide tips to help you choose the best payment option for your needs and avoid late fees Read on to learn where and how you can easily pay your monthly American Express statement.
Pay Your Amex Bill Online
The easiest and most popular way for most cardmembers to pay their American Express bill is online through the account website. To pay online, simply:
- Go to americanexpress.com and log into your account
- Under ‘Statements & Activity’, click ‘Pay My Bill’
- Enter your payment amount and date
- Select the bank account you want to debit
- Review and submit
Paying online lets you schedule one-time payments whenever you need to or set up recurring automatic payments. It also gives you instant confirmation when your payment is scheduled. As long as you submit your payment by 11:59 pm ET on your due date, it will be counted as on-time. Once submitted, online payments typically post to your account within 1 business day.
Pros
- Fast and easy payment scheduling any time of day
- Ability to enroll in autopay for automated payments
- Instant payment confirmation
- Can link bank accounts to debit payments
Cons
- Need to remember to log in to pay bill each month if not using autopay
- Temporary website outages could impact accessing site to make payment
So if you want a quick, convenient way to pay your Amex bill that lets you control payment timing and amount, paying online is likely the best option
Pay with the Amex Mobile App
In addition to paying online via desktop, you can also pay your American Express bill using the Amex mobile app. The app offers the same functionality as the website for entering your payment details and scheduling one-time or recurring payments.
To pay via the app, simply:
- Download the Amex mobile app on your iPhone or Android device
- Log into your account
- Tap on ‘Statements’ and select ‘Pay My Bill’
- Choose your payment amount, date, and debit account
- Review and confirm payment
The mobile app also includes helpful account management features like payment reminders, account alerts, and card lock/unlock. Paying through the app can be especially convenient if you are on the go and want to quickly make a payment by your due date. Payments made via the mobile app by 11:59 pm ET will count as on-time.
Pros
- Pay bills easily on your mobile device
- Get payment and account alerts
- Make last minute payments when not near a computer
Cons
- Smaller screens can make entering details more difficult
- Must have smartphone and download app
Overall, the Amex mobile app provides a fast, simple way to pay your bill from anywhere when you don’t have access to a desktop computer. The convenience factor makes it ideal for cardmembers who are frequently traveling or on the go.
Pay Your Amex Bill by Phone
You can also pay your American Express bill over the phone by calling the number on the back of your card. A customer service representative can assist you in making a one-time payment.
To pay by phone:
- Call the Member Services number on your card
- When prompted, select the ‘Pay My Bill’ option
- Enter your account details and payment information
- A representative will process and confirm your payment
Paying by phone allows you to speak directly with an Amex agent who can answer any payment questions you may have or help resolve any issues on the spot. As with online and mobile payments, if you complete your payment call by 11:59 pm ET on the due date, your payment will be on-time. One thing to keep in mind is that Amex phone payments typically take 1-2 business days to post to your account.
Pros
- Talk directly with customer service agent
- Resolve any payment issues immediately
- Don’t need computer access
Cons
- More time consuming than automated payments
- Hold times to speak with agent
- Later posting of payments compared to online
So calling to pay your bill makes sense if you prefer talking through your payment or want help from a live representative. Just be sure to call early on your due date in case wait times are long.
Pay by Mail
Paying by physical mail is a traditional method still offered by American Express. To mail your payment:
- Write your 16-digit account number on your check or money order
- Include payment coupon from your statement (optional)
- Mail to address listed on statement at least 5-7 days before due date
One benefit of paying by mail is that you don’t need access to a phone, computer, or mobile device. However, this option takes more effort than electronic payments and has slower processing times. Mailed payments can take up to 5 days after receipt to post to your account.
To have your payment count as on-time, your mailed check must be postmarked by the due date. If not, you risk incurring late fees. It’s also difficult to confirm exactly when your mailed payment will arrive and be processed. For these reasons, mailing a paper check should only be used as a backup option when electronic payment methods are not possible before the deadline.
Pros
- No digital access required
- Can use paper checks or money orders
Cons
- Very slow processing and posting times
- Risk of late payments due to mail delays
Pay Your Bill In Person
In some locations, you may be able to pay your American Express bill in person at an Amex retail location or partner bank branch. This will involve submitting your payment in cash or check directly to an Amex employee.
However, in-person bill payment is only available in limited areas and locations. And the funds may still take 1-2 business days to post to your account. So this option is most practical if you happen to be near an Amex location or partner bank on your due date and prefer to pay in cash.
Pros
- Pay with cash if needed
- In-person payment assistance
Cons
- Very limited physical locations
- Still 1-2 day posting delay
For most cardmembers, paying your Amex bill online, via the mobile app, or over the phone will be significantly more convenient than in-person payment. But this method can serve as a backup if needed in specific areas where Amex has branches or banking partners.
Choose the Best Payment Method for You
When deciding where to pay your American Express bill every month, consider factors like convenience, processing speed, reliability, account management features, and your own preferences. Most cardmembers today handle their payments digitally online or via mobile for simplicity and faster posting. But alternatives like phone, mail, or in-person payments can still come in handy in certain situations.
If you frequently forget due dates or struggle to make timely payments, signing up for autopay through the Amex website or app is highly recommended. Automatic payments on your due date help avoid late fees. You can also set up email and push notification alerts for payment reminders and confirmation when your Amex bill has been paid.
Knowing exactly where you can pay your American Express bill both digitally and physically empowers you to choose the best option for your needs. Pay close attention to payment cutoff times based on method so payments are applied on-time. Learn how to use the Amex website and mobile app to their full potential for convenient account management. And reach out to customer service with any questions on the payment process or your account. Staying on top of your monthly American Express payments is key to keeping your credit and account standing in good shape.
The Amex app: How to make payments
What payment processing options does American Express offer?
American Express gives its customers a wide variety of ways to stay on top of their monthly bills. From online and mobile payments to payment by phone, mail and even in person payments, check out these seven payment processing options for AmEx customers.
How do I pay my American Express credit card?
The easiest way to make an Amex credit card payment is online or with the American Express app. Just log in, click “Make a Payment,” and choose or add your preferred bank account to pay from. How can I pay my American Express credit card bill by phone?
Can I pay my American Express bill online?
You can only pay an American Express card’s bill in person if the card is on the American Express network, but issued by another bank or credit union. That’s because Amex does not have any physical locations. If your Amex card was issued by American Express, your only options are to pay online, with the app, over the phone, or by mailing a check.
Does American Express accept payment by mail?
While American Express notes that you can make payments online anytime, they do accept payment by mail in the form of checks or money orders. Of course, if you choose this method, it’s important to mail your payment allowing sufficient time for arrival ahead of the due date.