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 March 31, February 28 and January 31, 2026 and the three months ended March 31, 2026; 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 March 31, February 28 and January 31, 2026 and the three months ended March 31, 2026

(Preliminary) March 31, 2026 February 28, 2026 January 31, 2026 (Preliminary) Three Months Ended March 31, 2026 U.S. Consumer Card Member loans: Total loans $ 97.5 $ 95.1 $ 97.2 $ 97.5 30 days past due loans as a % of total 1.4 % 1.4 % 1.4 % 1.4 % Average loans $ 96.3 $ 96.1 $ 98.7 $ 97.5 Net write-off rate - principal only (a) 2.2 % 2.0 % 1.9 % 2.0 % U.S. Small Business Card Member loans: Total loans $ 32.2 $ 31.3 $ 31.4 $ 32.2 30 days past due loans as a % of total 1.7 % 1.7 % 1.7 % 1.7 % Average loans $ 31.7 $ 31.4 $ 31.1 $ 31.4 Net write-off rate - principal only (a) 2.9 % 2.8 % 2.8 % 2.8 % Total Card Member loans held for investment - U.S. Consumer and U.S. Small Business $ 129.7 $ 126.4 $ 128.6 $ 129.7

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

to calculate write-off statistics in the Lending Trust compared to the use of average loan balances over the reporting period used in the statistics of the U.S. Consumer and U.S. Small Business Card Member loan portfolios, as well as other mechanics of the calculation for the Lending Trust net write-off rate, which is impacted by any additions to the Lending Trust within a particular period. In addition, statistics for the U.S. Consumer and U.S. Small Business Card Member loan portfolios and the Lending Trust for any particular monthly period may be subject to variability due to a number of factors, including the number of days in a month, timing of holidays and weekends, seasonality and the timing of information received from third parties. 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) March 1, 2026 through March 31, 2026 February 1, 2026 through February 28, 2026 January 1, 2026 through January 31, 2026 Ending total principal balance $ 25.1 $ 24.4 $ 25.2 Defaulted amount $ 0.04 $ 0.04 $ 0.04 Annualized default rate, net of recoveries 1.2 % 1.3 % 1.1 % Total 30+ days delinquent $ 0.2 $ 0.2 $ 0.2