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 American Express

Financial Relief Program

We can offer support in difficult financial circumstances.

If you need help, talk to us today.

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While you are enrolled in our Program, we can help temporarily:

  • Lower monthly payments and interest rates
  • Provide relief from future late payment fees
  • Prevent accounts from going past due or further past due

Getting back on track doesn’t mean you have to hit the brakes on life.

Retain Your Membership 

When you enroll in our Financial Relief Program, you do not need to reapply for your American Express Card after you successfully complete the Program.


Credit Bureau Reporting  

You’ve worked hard to build your credit. When you enroll in our Financial Relief Program and make required payments, we’ll keep reporting your account to the credit bureaus as current (if it is current at time of enrollment), or if it’s past due it will not be reported as any further past due.

Keep Using Your Card

With our short-term Financial Relief Program, you can still make purchases within a limit, while making payments toward the program.

See below for Programs Terms

American Express Financial Relief Program Terms


Program Overview

Eligible Card Members may request to enroll in either the short-term payment plan or the long-term payment plan of the American Express Financial Relief Program (the “Program”) by [calling 1-866-703-4169].  The short-term payment plan can provide relief benefits for 12 months following enrollment and the long-term payment plan can provide relief benefits for 36 or 60 months following enrollment.  Eligibility for the 36 or 60 month long-term payment plans will be based, in part, on your American Express Card product and will be communicated to you before you submit your request for enrollment.  We will determine your eligibility for the Program, upon your request to enroll, based on factors including delinquency status prior enrollment in the Program or the balance on your Card account.  After you complete the Program or exit early for any reason, your Card account will then be subject to the APRs, fees, and minimum payment in your Cardmember Agreement.

Program Relief Benefits

While enrolled in the Program, you will have access to the following benefits:

  • Your minimum monthly payment due will be reduced to an amount that will be disclosed to you at enrollment
  • Your Card account will be subject to a reduced variable APR (for balances subject to an interest rate) that will be disclosed to you at enrollment
  • We will waive any late payment fee and annual Card membership fee that would have been charged while you are enrolled in the Program

For the short-term payment plan only, you may be able to make purchases up to a reduced spending limit, which will be disclosed to you following enrollment and which may adjust at any time during the Program.

Program Requirements

In order to maintain all the benefits of the Program, you must comply with the full Program Terms, which will be communicated to you at enrollment and which will include the requirements that:

  • Your enrolled American Express Card account(s) must not be cancelled after enrollment
  • Program payments for all your American Express Card accounts must be made by the respective due dates

Program Limitations

Program limitations will be communicated to you at Program enrollment, which will include the following:

  • If enrolled in the long-term payment plan, you will be unable to use your Card to make purchases while enrolled
  • You may not have access to all Card benefits and features
  • We will cancel any account you may have with a balance less than $100

Reporting to the Credit Bureaus

  • Any reduction to your credit limit on enrollment into the Program may have a negative impact on your credit score
  • If your account is reported to consumer credit bureaus and if you are enrolled in the long-term payment plan, we will inform the consumer credit bureaus that you are participating   in a payment plan, which will not directly impact your credit score, but will be visible to other lenders
  • If you do not comply with Program Terms and you are being reported to the credit bureaus, we will report that status, which may negatively impact your credit score
  • If you are removed from the Program because you do not comply with the Program Terms, your Card account(s) may be cancelled, which may impact your credit score