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How to pay off your American Express® Card Bill

How to pay off your American Express® Card Bill

There are a few ways to make Credit repayments. Read on for help understanding what your options are.

Card Repayments Explained

What are Card repayments?

When your statement arrives, you will have a choice of repayment options. You can pay off the entire Credit Card bill on, or before, the statement due date – in which case you’ll avoid paying more interest – or you can choose to spread your Credit Card repayments out over time by paying at least the minimum monthly repayment amount. This option will mean you will be paying more interest.

Log into your account to manage your repayments

Pay off your Credit Card bill more efficiently

You have a number of options that will help you effectively manage your Credit Card balance. Use the Amex® mobile app to keep a close eye on your balance. And, of course, paying off your balance in full each month.

However, if paying off your Credit Card bill in full isn’t an option, you can always reduce the amount of interest you’ll have to pay by paying more than the minimum monthly repayment amount.

Remember, the only way to avoid paying interest is to pay off your total Credit Card balance on or before the statement due date.

Automatic Credit Card payment plans

Automatic payment plans are a great way to ensure that you pay your Credit Card bills on time. You can also create SMS or email alerts to remind you that payment is due.

How do I pay my American Express bill?

There are many options available for paying your American Express bill which can be paid anytime even after business hours.

The Electronic Payment Program is a flexible payment option where payments can be made immediately or scheduled up to 25 days into the future. Learn more and register now to make one time payments directly from Online Services to your American Express Card Account.

For more methods of payment, click here. Depending on the option chosen, your payment can be credited same day or take up to 5 business days. Fees may be applicable and services may also vary by financial institution. Payments will be credited upon receipt by AMEX Bank of Canada.


Helpful tools for repayments

Helpful tools you can use right now.

  • Account Alerts is a free service that monitors the daily activity of your American Express account. You can choose to receive regular updates on your weekly account balance‚ reminders of upcoming payments, and confirmation of payments received. Plus, if you have a Credit Card, you can request a message to advise you that you may be nearing your credit limit.

  • Pre-Authorized Payments is a free service that automatically processes monthly payments from your bank account by your payment due date.

  • AMEX Account Protector Insurance helps protect your Credit Card account in the event of job loss, critical illness, disability or loss of life.


Frequently Asked Questions

Find the answers to your questions.

How can I pay my bill?

In three easy steps, you can pay your American Express Bill through the Online Payment Centre:

Step 1: Register a Canadian dollar deposit bank account held at a Canadian financial institution with American Express. The bank account must either belong to you or, for joint accounts, you must have single authority. It will take up to 3 calendar days to complete the registration process.

Step 2: Initiate a payment by selecting your eligible Card with us and filling in the appropriate form fields within the Payment Centre. When finished submit the payment by clicking “Continue” Once enrollment of a new bank account is completed, a payment can be scheduled. From this point onwards, an immediate and future payment can be submitted

Step 3: Verify that the information you provided is accurate and click “Continue” to complete the process Once completed a confirmation notice will be provided and your submitted payment transaction details will be available for future review in the Payment History tab.

There are many other convenient ways to pay:

  • Internet banking
  • Telephone banking
  • By mailing a cheque in

Please note: Fees may apply and processing times may vary depending on the payment option you use. Please check the details with your financial institution. Services may also vary by financial institution. Payments will be credited upon receipt by Amex Bank of Canada.

What is my minimum payment on my American Express Credit Card?

The Minimum Due is the minimum payment required to avoid account delinquency. Please Note: if you hold an American Express Charge Card Account, payment is due in full at the due date. The Minimum Due is displayed on the Account Summary page within Online Services' and is highlighted in grey. Click here to review your Card Account Summary page. The Minimum Due is also displayed on your statement. For more details on payments, please refer to your Cardmember Agreement.

Why have I incurred an interest charge on my statement?

If you always pay your balance in full every month and we receive your full payment by the payment due date, interest will not be applied to any of your purchases. If you carry a balance or if we receive your payment late, interest will be charged. Interest is always charged on balance transfers and funds advances starting from the day the transaction occurs.

For more details click here

What types of Card fees are there?

Some American Express® Cards charge an annual fee. The amount will vary depending on the Card you apply for. Typically, the more rewards or features your Card has, the higher the annual fee. There are other fees that may apply such as an overlimit fee.


Credit and Charge Cards Explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card guides are a great place to start.

How to apply for a Credit Card

Learn More

What Card fees am I expected to pay

Learn More

What is Card Interest

Learn More

What is Credit Limit

Learn More

What is Credit Score

Learn More

What is a Charge Card

Learn More

Using your Card Abroad

Learn More

Where is American Express accepted

Learn More

How Credit Cards and Charge Cards work

Learn More

American Express Benefits


Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your card

Learn More about Fraud Protection


Access to our customer service is available 24/7 by phone, text or email.

Learn More about Customer Service


Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay and Apple PayTM you can even pay with your phone.

Learn more about Contactless Payments

Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.


®, ™: Used by Amex Bank of Canada under license from American Express