How to pay off your American Express bill

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

If you have an American Express Charge Card you are not able to revolve your balance, which means you need to repay the full balance on your statement period.

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 payment plans are a great way to ensure that you pay your Credit Card bills on time.

If you set up a direct debit to automatically pay a certain amount every month or the full balance, you’ll always have the peace of mind of knowing you’ve made a payment. You can also create SMS or email alerts to remind you that payment is due.

The balance on your Account at the beginning of a particular statement period.

The amount you owe at the end of a particular statement period.

The minimum you have to pay each statement period. It is not recommended as a long-term solution because if you make only the minimum monthly repayments, you will pay more interest and it will take you longer to pay off your balance.

The final day by which you have to pay at least the minimum monthly repayment amount to avoid late payment charges.