American Express Co

Item 7.01 Regulation FD Disclosure 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 balances held for investment for the months ended July 31, June 30 and May 31, 2026; Card balances 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 July 31, June 30 and May 31, 2026 (Billions, except percentages) July 31, 2026 June 30, 2026 May 31, 2026 U.S. Consumer Card balances : Total Card balances $ 113.1 $ 113.8 $ 113.8 30 days past due as a % of total 1.1 % 1.1 % 1.1 % Average Card balances $ 113.5 $ 113.8 $ 112.6 Net write-off rate - principal only (a)(b) 1.7 % 1.4 % 2.0 % U.S. Small Business Card balances : Total Card balances $ 46.1 $ 45.9 $ 46.7 30 days past due as a % of total 1.3 % 1.4 % 1.4 % Average Card balances $ 46.0 $ 46.3 $ 46.2 Net write-off rate - principal only (a)(b) 2.6 % 2.3 % 2.6 % Total Card balances held for investment - U.S. Consumer and U.S. Small Business $ 159.2 $ 159.7 $ 160.5

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) July 1, 2026 through July 31, 2026 June 1, 2026 through June 30, 2026 May 1, 2026 through May 31, 2026 Ending total principal balance $ 24.9 $ 25.2 $ 25.4 Defaulted amount $ 0.04 $ 0.04 $ 0.04 Annualized default rate, net of recoveries (a) 1.1 % 0.7 % 1.2 % Total 30+ days delinquent $ 0.2 $ 0.2 $ 0.2

(a) As noted above, during June 2026, the Company sold certain previously written-off Card balances to a third party. Accordingly, the Annualized default rate, net of recoveries reported above for June 2026 reflects the proceeds allocable to the Lending Trust from the sale. -3-