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 September 30, August 31 and July 31, 2026 and the three months ended September 30, 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 September 30, August 31 and July 31, 2026 and the three months ended September 30, 2026 (Billions, except percentages) (Preliminary) September 30, 2026 August 31, 2026 July 31, 2026 (Preliminary) Three Months Ended September 30, 2026 U.S. Consumer Card balances : Total Card balances $ 114.3 $ 114.2 $ 113.1 $ 114.3 30 days past due as a % of total 1.2 % 1.1 % 1.1 % 1.2 % Average Card balances $ 114.2 $ 113.7 $ 113.5 $ 113.9 Net write-off rate - principal only (a) 1.5 % 1.7 % 1.7 % 1.6 % U.S. Small Business Card balances : Total Card balances $ 46.6 $ 46.1 $ 46.1 $ 46.6 30 days past due as a % of total 1.4 % 1.3 % 1.3 % 1.4 % Average Card balances $ 46.3 $ 46.1 $ 46.0 $ 46.2 Net write-off rate - principal only (a) 2.1 % 2.2 % 2.6 % 2.3 % Total Card balances held for investment - U.S. Consumer and U.S. Small Business $ 160.9 $ 160.3 $ 159.2 $ 160.9

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) September 1, 2026 through September 30, 2026 August 1, 2026 through August 31, 2026 July 1, 2026 through July 31, 2026 Ending total principal balance $ 24.7 $ 25.0 $ 24.9 Defaulted amount $ 0.04 $ 0.04 $ 0.04 Annualized default rate, net of recoveries 1.0 % 1.0 % 1.1 % Total 30+ days delinquent $ 0.2 $ 0.2 $ 0.2