Obbligazione AmeriExpress 4.2% ( US025816CA56 ) in USD

Emittente AmeriExpress
Prezzo di mercato 100.006 USD  ▲ 
Paese  Stati Uniti
Codice isin  US025816CA56 ( in USD )
Tasso d'interesse 4.2% per anno ( pagato 2 volte l'anno)
Scadenza 05/11/2025 - Obbligazione è scaduto



Prospetto opuscolo dell'obbligazione American Express US025816CA56 in USD 4.2%, scaduta


Importo minimo 2 000 USD
Importo totale 750 000 000 USD
Cusip 025816CA5
Standard & Poor's ( S&P ) rating A- ( Upper medium grade - Investment-grade )
Moody's rating A2 ( Upper medium grade - Investment-grade )
Descrizione dettagliata American Express è una società multinazionale di servizi finanziari che offre carte di credito, carte di debito, servizi di trasferimento di denaro e altri prodotti finanziari a clienti individuali e aziende in tutto il mondo.

The Obbligazione issued by AmeriExpress ( United States ) , in USD, with the ISIN code US025816CA56, pays a coupon of 4.2% per year.
The coupons are paid 2 times per year and the Obbligazione maturity is 05/11/2025

The Obbligazione issued by AmeriExpress ( United States ) , in USD, with the ISIN code US025816CA56, was rated A2 ( Upper medium grade - Investment-grade ) by Moody's credit rating agency.

The Obbligazione issued by AmeriExpress ( United States ) , in USD, with the ISIN code US025816CA56, was rated A- ( Upper medium grade - Investment-grade ) by Standard & Poor's ( S&P ) credit rating agency.







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424B2 1 a2236968z424b2.htm 424B2
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TABLE OF CONTENTS
Table of Contents

CALCULATION OF REGISTRATION FEE



Title of Each Class of Securities
Maximum Aggregate
Amount of
to be Registered


Offering Price



Registration Fee(1)(2)

3.700% Notes due November 5, 2021


$1,250,000,000.00
$151,500.00

Floating Rate Notes due November 5, 2021

$1,000,000,000.00
$121,200.00

4.200% Notes due November 6, 2025

$750,000,000.00
$90,900.00

Total

$3,000,000,000.00
$363,600.00

(1)
Calculated in accordance with Rule 457(r) under the Securities Act of 1933.

(2)
This "Calculation of Registration Fee" table shall be deemed to update the "Calculation of Registration Fee" table in the
Company's Registration Statement on Form S-3 (File No. 333-223581) in accordance with Rules 456(b) and 457(r) under the
Securities Act of 1933.
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Table of Contents
Filed Pursuant to Rule 424(b)(2)
Registration Number

333-223581
PROSPECTUS SUPPLEMENT
(To Prospectus Dated March 12, 2018)

$3,000,000,000
American Express Company
$1,250,000,000 3.700% Notes due November 5, 2021
$1,000,000,000 Floating Rate Notes due November 5, 2021
$750,000,000 4.200% Notes due November 6, 2025
We are offering $1,250,000,000 principal amount of our 3.700% notes due November 5, 2021, or the 2021 fixed rate notes, $1,000,000,000 principal amount of our floating
rate notes due November 5, 2021, or the floating rate notes, and $750,000,000 principal amount of our 4.200% notes due November 6, 2025, or the 2025 fixed rate notes. In this
prospectus supplement, we refer to the 2021 fixed rate notes and the 2025 fixed rate notes collectively as the fixed rate notes and we refer to the fixed rate notes and the floating rate
notes collectively as the notes.
We will pay interest on the 2021 fixed rate notes semi-annually in arrears on May 5 and November 5 of each year, beginning May 5, 2019. We will pay interest on the 2025
fixed rate notes semi-annually in arrears on May 6 and November 6 of each year, beginning May 6, 2019. The 2021 fixed rate notes will mature on November 5, 2021 and the 2025
fixed rate notes will mature on November 6, 2025. We will pay interest on the floating rate notes quarterly in arrears on February 5, May 5, August 5 and November 5 of each year,
beginning February 5, 2019, at a rate per annum, reset quarterly, equal to three-month LIBOR plus 0.600%, accruing from November 6, 2018. The floating rate notes will mature on
November 5, 2021.
We may redeem the notes, in whole or in part, on or after the date that is 31 days prior to the maturity date at a redemption price equal to the principal amount of the notes
being redeemed, together with any accrued and unpaid interest thereon to the date fixed for redemption. We may not redeem the notes prior to the date that is 31 days prior to the
maturity date except upon the occurrence of a Tax Event (as defined under the heading "Description of Notes--Optional Redemption--Redemption Upon a Tax Event"). The notes
will be our senior unsecured obligations and will rank prior to all of our present and future subordinated indebtedness and on an equal basis with all of our other present and future
senior unsecured indebtedness.
We will not list the notes on any exchange.
We will only issue the notes in book-entry form registered in the name of a nominee of The Depository Trust Company, New York, New York, or DTC. Beneficial interests in
the notes will be shown on, and transfers of such interests will be made only through, records maintained by DTC and its participants, including Clearstream Banking, societe
anonyme, and Euroclear Bank SA/NV, as operator of the Euroclear system. Except as described in this prospectus supplement, we will not issue notes in definitive form.
The underwriters are offering the notes for sale in those jurisdictions both inside and outside the United States where it is lawful to make such offers.
Investing in the notes involves risks. You should carefully consider the information under "Risk Factors" included in this
prospectus supplement, on page S-6 of the accompanying prospectus and on page 2 of our Annual Report on Form 10-K for the
year ended December 31, 2017 incorporated herein by reference.




Underwriting
Discounts and
Proceeds to


Price to Public(1)

Commissions


the Company(1)(2)

Per 2021 fixed rate note


99.978%

0.250%

99.728%


Total for 2021 fixed rate notes

$1,249,725,000

$2,500,000

$1,246,600,000

Per floating rate note

100.000%

0.250%

99.750%

Total for floating rate notes

$1,000,000,000

$2,500,000

$997,500,000

Per 2025 fixed rate note

99.778%

0.400%

99.378%

Total for 2025 fixed rate notes

$748,335,000

$2,500,000

$745,335,000

(1)
Plus accrued interest, if any, from November 6, 2018.


(2)
Before offering expenses.
Delivery of the notes will be made on or about November 6, 2018.
Neither the Securities and Exchange Commission, or the SEC, nor any state securities commission has approved or disapproved of these securities or determined if
this prospectus supplement or the accompanying prospectus is truthful or complete. Any representation to the contrary is a criminal offense.
Joint Book-Running Managers
Deutsche Bank Securities
HSBC RBC Capital Markets Wells Fargo Securities Barclays
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Co-Managers
Lloyds Securities
MUFG
NatWest Markets
Standard Chartered Bank
TD Securities
Junior Co-Managers
Ramirez & Co., Inc.

RedTail Capital Markets

The date of this prospectus supplement is November 1, 2018.
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Table of Contents

TABLE OF CONTENTS
Prospectus Supplement


Page

About this Prospectus Supplement
S-1
Summary
S-3
Risk Factors
S-6
Cautionary Statement Regarding Forward-Looking Information
S-8
Use of Proceeds
S-9
Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividends
S-10
Description of Notes
S-11
Underwriting
S-18
Where You Can Find More Information
S-22
Incorporation of Certain Documents by Reference
S-22
Legal Matters
S-23
Experts
S-23

Prospectus

Page
About this Prospectus

ii
Where You Can Find More Information

ii
Incorporation of Certain Documents by Reference

ii
Forward-Looking Statements

iv
The Company

1
Risk Factors

2
Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividends

7
Use of Proceeds

8
Description of Debt Securities

9
Description of Preferred Shares

31
Description of Depositary Shares

33
Description of Common Shares

34
Description of Securities Warrants

36
Description of Other Warrants

37
ERISA Considerations

38
Taxation

40
Plan of Distribution

50
Legal Matters

52
Experts

52
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ABOUT THIS PROSPECTUS SUPPLEMENT
This document is in two parts. The first part is this prospectus supplement, which describes the specific terms of the notes that we are
offering and other matters relating to us and our financial condition. The second part is the accompanying prospectus, which gives more
general information about securities we may offer from time to time, some of which does not apply to the notes that we are offering. The
description of the terms of the notes contained in this prospectus supplement supplements the description under "Description of Debt
Securities" in the accompanying prospectus, and to the extent it is inconsistent with that description, the information in this prospectus
supplement replaces the information in the accompanying prospectus. Generally, when we refer to the prospectus, we are referring to both
parts of this document combined. If information in this prospectus supplement differs from information in the accompanying prospectus,
you should rely on the information in the prospectus supplement.
When we use the terms "American Express," the "Company," "we," "us" or "our" in this prospectus supplement, we mean American
Express Company and its subsidiaries, on a consolidated basis, unless we state or the context implies otherwise.
We are responsible only for the information contained in or incorporated by reference into this prospectus supplement, the
accompanying prospectus, the documents incorporated by reference herein and therein and any related free writing prospectus issued or
authorized by us. Neither we nor the underwriters have authorized anyone to provide you with any other information, and we and the
underwriters take no responsibility for any other information that others may give you. We and the underwriters are offering to sell the
notes only under the circumstances and in jurisdictions where offers and sales are permitted. The information incorporated by reference
into or contained in this prospectus supplement and the accompanying prospectus is accurate only as of the date on the front of those
documents, regardless of the time of delivery of those documents or any sale of the notes.
To the extent the offer of the notes contemplated by this prospectus supplement and the accompanying prospectus is made in any
Member State of the European Economic Area ("EEA"), the offer is only addressed to qualified investors in that Member State within the
meaning of the Prospectus Directive or has been or will be made otherwise in circumstances that do not require us or the underwriters to
publish a prospectus pursuant to the Prospectus Directive.
This prospectus supplement has been prepared on the basis that any offer of notes in any Member State of the European Union will be
made pursuant to an exemption under the Prospectus Directive from the requirement to publish a prospectus for offers of notes.
Accordingly any person making or intending to make any offer within the EEA of notes which are the subject of the offer contemplated in
this prospectus supplement may only do so in circumstances in which no obligation arises for us to publish a prospectus pursuant to
Article 3 of the Prospectus Directive or supplement a prospectus pursuant to Article 16 of the Prospectus Directive, in each case, in
relation to such offer. We have not authorized the making of any offer (other than Permitted Public Offers) of notes in circumstances in
which an obligation arises for us to publish or supplement a prospectus for such offer.
This prospectus supplement and the accompanying prospectus are only being distributed to and are only directed at: (i) persons who
are outside the United Kingdom; or (ii) investment professionals falling within Article 19(5) of the Financial Services and Markets Act
2000 (Financial Promotion) Order 2005 (the "Order"); or (iii) high net worth entities, and other persons to whom it may lawfully be
communicated, falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as "relevant persons"). The
notes are only available to, and any invitation, offer or agreement to subscribe, purchase or otherwise acquire such notes will be engaged
in only with, relevant persons. Any person who is not a relevant person should not act or rely on this prospectus supplement and the
accompanying prospectus or any of their respective contents.
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The notes are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made
available to any retail investor in the EEA. For these purposes, a retail investor means a person who is one (or more) of: (i) a retail client as
defined in point (11) of Article 4(1) of MiFID II; or (ii) a customer within the meaning of Directive 2002/92/EC (as amended, the
"Insurance Mediation Directive"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of
MiFID II; or (iii) not a qualified investor as defined in Directive 2003/71/EC (as amended, the "Prospectus Directive"). Consequently no
key information document required by Regulation (EU) No 1286/2014 (as amended, the "PRIIPs Regulation") for offering or selling the
notes or otherwise making them available to retail investors in the EEA has been prepared and therefore offering or selling the notes or
otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation.
The distribution of this prospectus supplement and the accompanying prospectus and the offering of the notes in certain jurisdictions
may be restricted by law. Persons into whose possession this prospectus supplement and the accompanying prospectus come should inform
themselves about and observe any such restrictions. This prospectus supplement and the accompanying prospectus do not constitute, and
may not be used in connection with, an offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not
authorized or in which the person making such offer or solicitation is not qualified to do so or to any person to whom it is unlawful to
make such offer or solicitation.
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SUMMARY
The following summary highlights selected information included in or incorporated by reference into this prospectus
supplement and the accompanying prospectus. It does not contain all of the information that you should consider before making an
investment decision. You should carefully read this prospectus supplement and the accompanying prospectus in its entirety,
including the documents incorporated by reference in the foregoing documents, especially the risks of investing in our notes
discussed under the heading "Risk Factors" included in this prospectus supplement, on page 2 of the accompanying prospectus and
on page 16 of our Annual Report on Form 10-K for the year ended December 31, 2017, and other information incorporated by
reference into this prospectus supplement and the accompanying prospectus, which are described under "Incorporation of Certain
Documents by Reference" in this prospectus supplement and the accompanying prospectus.

The Company
American Express is a globally integrated payments company that provides customers with access to products, insights and
experiences that enrich lives and build business success. Our principal products and services are charge and credit payment card
products and travel-related services offered to consumers and businesses around the world. We and our principal operating
subsidiary, American Express Travel Related Services Company, Inc., are bank holding companies under the Bank Holding
Company Act of 1956, as amended, subject to supervision and examination by the Board of Governors of the Federal Reserve
System.
Our range of products and services includes:
·
Charge card, credit card and other payment and financing products

·
Merchant acquisition and processing, servicing and settlement, and point-of-sale marketing and information
products and services for merchants

·
Network services

·
Other fee services, including fraud prevention services and the design and operation of customer loyalty programs

·
Expense management products and services

·
Travel-related services

·
Stored value/prepaid products
Our various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-
sized companies and large corporations. These products and services are sold through various channels, including mobile and online
applications, direct mail, in-house sales teams, third-party vendors and direct response advertising.
Our general-purpose card network, card-issuing and merchant-acquiring and processing businesses are global in scope. We are
a world leader in providing charge and credit cards to consumers, small businesses, mid-sized companies and large corporations.
These cards include cards issued by American Express as well as cards issued by third-party banks and other institutions that are
accepted by merchants on the American Express network. American Express® cards permit Card Members to charge purchases of
goods and services in most countries around the world at the millions of merchants that accept cards bearing our logo. At
September 30, 2018, we had total worldwide cards-in-force of 115.1 million (including cards issued by third parties). For the three
months ended September 30, 2018, our worldwide billed business (spending on American Express® cards, including cards issued
by third parties) was $294.7 billion.
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The Offering
Issuer

American Express Company.

Offered Securities
$1,250,000,000 initial aggregate principal amount
of 3.700% Notes due November 5, 2021, or the
2021 fixed rate notes.

$1,000,000,000 initial aggregate principal amount
of Floating Rate Notes due November 5, 2021, or
the floating rate notes.

$750,000,000 initial aggregate principal amount
of 4.200% Notes due November 6, 2025, or the
2025 fixed rate notes.

Maturity Dates
The 2021 fixed rate notes will mature on
November 5, 2021.

The floating rate notes will mature on November
5, 2021.

The 2025 fixed rate notes will mature on
November 6, 2025.

Interest Rates and Payment Dates
The 2021 fixed rate notes will bear interest at the
rate of 3.700% per annum payable semi-annually
in arrears on May 5 and November 5 of each year,
beginning May 5, 2019.

The floating rate notes will bear interest at a rate
per annum, reset quarterly, equal to three-month
LIBOR (as defined below) plus 0.600%. The
interest on the floating rate notes will be payable
quarterly in arrears on February 5, May 5,
August 5 and November 5 of each year, beginning
February 5, 2019.

The 2025 fixed rate notes will bear interest at the
rate of 4.200% per annum payable semi-annually
in arrears on May 6 and November 6 of each year,
beginning May 6, 2019.

Redemption
We may redeem each series of notes, in whole or
in part, on or after the date that is 31 days prior to
the maturity date for that series at a redemption
price equal to the principal amount of the notes
being redeemed, together with any accrued and
unpaid interest thereon to the date fixed for
redemption. We may not redeem the notes prior to
the date that is 31 days prior to the maturity date
for that series except upon the occurrence of a Tax
Event (as defined under the heading "Description
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of Notes--Optional Redemption--Redemption
Upon a Tax Event").

Markets
The notes are offered for sale in those jurisdictions
both inside and outside the United States where it
is lawful to make such offers. See "Underwriting."
Each series of notes is a new issue of securities
with no established trading market. We have been
advised by the underwriters that they presently
intend to make a market for the notes, as
permitted by applicable laws and regulations. The
underwriters are not obligated, however, to make
a market for the notes and may discontinue any
market-making at any time at their sole discretion.
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