American Express Co

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 Member loans held for investment for the months ended February 28 and January 31, 2026 and December 31, 2025; Card Member loans 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 February 28 and January 31, 2026 and December 31, 2025

(Billions, except percentages) February 28, 2026 January 31, 2026 December 31, 2025 U.S. Consumer Card Member loans: Total loans $ 95.1 $ 97.2 $ 100.2 30 days past due loans as a % of total 1.4 % 1.4 % 1.3 % Average loans $ 96.1 $ 98.7 $ 99.0 Net write-off rate - principal only (a) 2.0 % 1.9 % 2.1 % U.S. Small Business Card Member loans: Total loans $ 31.3 $ 31.4 $ 30.8 30 days past due loans as a % of total 1.7 % 1.7 % 1.7 % Average loans $ 31.4 $ 31.1 $ 31.1 Net write-off rate - principal only (a) 2.8 % 2.8 % 2.7 % Total Card Member loans held for investment - U.S. Consumer and U.S. Small Business $ 126.4 $ 128.6 $ 131.0

(a) Net write-off rate based on principal only (i.e., excluding interest and/or fees).

Set forth below is certain information regarding the credit performance of the Lending Trust for its three most recent monthly reporting periods, as reported in its Form 10-D report filed with respect to each such period.

American Express Credit Account Master Trust

(Billions, except percentages) February 1, 2026 through February 28, 2026 January 1, 2026 through January 31, 2026 December 1, 2025 through December 31, 2025 Ending total principal balance $ 24.4 $ 25.2 $ 26.4 Defaulted amount $ 0.04 $ 0.04 $ 0.04 Annualized default rate, net of recoveries 1.3 % 1.1 % 1.2 % Total 30+ days delinquent $ 0.2 $ 0.2 $ 0.2