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Secure online shopping with American Express SafeKey®


Retail therapy is even better when you can trust that your transactions online are completely secure. Our SafeKey tool gives you an extra layer of protection when online shopping.

What is American Express SafeKey?


American Express SafeKey provides a layer of fraud protection at participating merchants as part of our continuous efforts to provide a safer and more secure online shopping environment.


You may be asked to enter a One-Time Password when making online purchases at participating merchant websites.


Important steps to enhance your Card security


If you love to shop online, it’s important to stay safe. SafeKey makes the process secure, so you can focus on the fun part – choosing what to buy.


How does it work?


During the checkout process at participating SafeKey merchants, we may sometimes send a One-Time security code to the mobile phone number and/or e-mail address that we have on file for your Card. To ensure your security, we ask that you enter the One-Time security code into the merchant website in order to complete the transaction.


Ensure that the mobile phone number and e-mail address is updated for all of your primary and Additional1 American Express® Cards. You may update your contact information during the SafeKey checkout process, through your Online Account or by calling the number on the back of your Card.

View the full SafeKey Terms and Conditions here.

What are the benefits?


SafeKey is easy to use and lets you shop online without any security worries.


Here’s how:


  • Enhances Card security

  • Easy to use

  • At no additional cost

  • Improved verification for added peace of mind

Other service and security benefits

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Online privacy


View American Express privacy
principles and policies

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Prevent Phishing


A range of simple and effective ways to
protect yourself from phishing

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Card Fraud Protection


Use your Card with confidence,
prevent fraud and shop safely