Don't Split Purchases
Without It.
Seamlessly split your Card purchases with other
Venmo or PayPal users, directly from the Amex App.
Terms apply.
To start splitting purchases, get the American Express® App. Text MOBILE to 86509.
iOS and Android only. See app store listings for operating system information. Message and data rates may apply.
Here's How It Works.
Easily Split Purchases
You can now split purchases with any Venmo or PayPal user directly from the Amex App. Simply select a transaction, pending or posted, and tap Split It.
We'll Do The Math
Choose the contacts you would like to split with. We’ll divide up the total and send out the requests. You can always customize each amount so everyone pays just what they owe.
Keep Track as You Get Paid Back
Easily keep track of what you’ve spent, what’s been paid back, and what you’re still owed, all in one place. Best part? You’ll still keep all the rewards you earn for each purchase.*
*You are responsible for paying the full purchase amount.
Enroll To Get Started.
Log into your Amex App.
Tap on the Account tab and click Split Purchases.
Follow the prompts to enroll and link to your Venmo or PayPal account.
Not an American Express Card Member? Explore your options here.
Frequently Asked Questions
What is the split purchases feature in the American Express® App and how does it work?
This feature allows you to split a Card purchase amount directly from the American Express App with Venmo and PayPal users. Once enrolled, tap an eligible transaction, select Split It, and choose who you want to split the amount with. We’ll divvy up the total, allow you to customize the amounts, and send out the requests from your linked account with Venmo or PayPal. If a request is accepted, the money will be applied to your linked account with Venmo or PayPal. You can track your purchases, outstanding requests, and the money you’ve received all within the Amex App.
Is this feature available for my Card?
This feature is available in the Amex App for Card Members with eligible Cards, and enrollment is required. Eligible Cards are personal American Express® Cards issued by a U.S. banking subsidiary of American Express that are not cancelled. Prepaid Cards and products, American Express® Corporate Cards, American Express® Small Business Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible.
What does it mean to “split a purchase?”
When you split a purchase, you’re requesting to be paid back by Venmo or PayPal users for an amount that corresponds to a purchase you’ve made on your Card. You’re still responsible for paying the full purchase amount and any interest associated with the purchase, or fees we assess as a result of the purchase. You'll keep all the rewards that you earn for the purchases that you split. If a request is accepted, the money will be applied to your account with Venmo or PayPal.
Which purchases can I split?
You can split eligible purchase amounts that are either pending or posted within your current billing cycle or that appear on your most recent Billing Statement. Eligible purchases must be at least $1.00 and do not include cash advances or any fee owed to us, including annual membership fees. You cannot split purchases in a Plan It balance.
Eligible purchases will appear with a Split It icon within the transaction details. You can view the transaction details of any purchase by tapping on the purchase from the Home tab of the Amex App.
Will I still earn rewards for the purchase that I split?
You’ll earn rewards for purchases you split in the same way that you would for other purchases you make with your Card. Please see your Card Member Agreement or Membership Rewards® program Terms and Conditions for more details about your Card’s reward program.
Can I only split a purchase with other American Express® Card Members?
You can split purchases with any Venmo or PayPal user; they do not have to be American Express Card Members. If you send a split request to a contact who does not have a Venmo or PayPal account, they will be notified by the partner and can create an account in order to accept your split request.
Are there fees to split purchases?
No, you will not be charged a fee to split a purchase in the Amex App. You are still responsible for paying the full purchase amount and any interest associated with the purchase, or fees we assess as a result of the purchase.
How do I enroll in the split purchases feature?
Tap on Split Purchases in the Account tab of the Amex App. You can also tap the Split It icon within the transaction details of an eligible transaction.
Can I link to both a Venmo and PayPal account?
Yes, you can link to both a Venmo and PayPal account. You can only link to one account for each partner.
Are you sharing my Card account number with Venmo and PayPal?
We do not share your Card number with Venmo or PayPal when you link or send a request.
When you link to your Venmo or PayPal account to enable the split purchases feature, we only share your name, email address and billing address.
How many contacts can I split a purchase with?
You can select up to 20 contacts to split a purchase amount with.
What if a contact declines my request to be paid back?
You’re responsible for paying the full purchase amount regardless of whether a request is accepted or declined. American Express is not responsible for whether or not requests are accepted and money is paid back.
What happens if I send a split request to the wrong contact?
You can cancel the request in your Venmo or PayPal account.
Can I cancel a split request in the Amex App?
At this time, you cannot cancel a split request in the Amex App. You can cancel the request in your Venmo or PayPal account.
What if I forget to include a contact in my split request?
You cannot edit a split request that’s already been sent. However, you can always send additional split requests for the same purchase.
Can I unenroll from the split purchases feature?
You can unenroll at any time by contacting American Express® Customer Care via chat or by calling the number on the back of your Card.
If you choose to unenroll, you will no longer be able to view your split request activity in the Amex App. If you have any outstanding split requests and are paid back for those requests, the money will still apply to your account with Venmo or PayPal.
How do I re-enroll in the split purchases feature?
You can re-enroll in the Amex App by tapping on Split Purchases in the Account tab. You can also tap the Split It icon within the transaction details of an eligible transaction.
What if I have additional questions about my Venmo or PayPal Account?
You can go to the PayPal or Venmo Help Center to learn more.
The split feature (“Split”) is only available in the American Express App® to Card Members with an eligible Card. Enrollment required. Eligible Cards include personal American Express Cards issued by a U.S. banking subsidiary of American Express that are not canceled. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible. To use Split, you must have or create an account with PayPal or Venmo and link your American Express Online Account to your PayPal or Venmo account.
With this feature, you can split purchase amounts that correspond to eligible purchases that are identified in your American Express App and made with an eligible Card. You split these purchase amounts with friends and family by making customized requests to be paid back using your linked account with PayPal or Venmo. Eligible purchases must be at least $1.00 and do not include cash advances or any fee owed to us, including annual membership fees. You cannot split purchases in a Plan It balance. To use Split, you must select an eligible purchase and provide the contact information for friends or family to whom you would like to send a request to be paid back. The total purchase amount will be divided between you and the contacts you select, and requests will be sent to each contact using your linked account with Venmo or PayPal. If a request is accepted, the requested amount will be applied to your linked account with Venmo or PayPal. Your Card Account will be billed for and you are responsible for paying the full purchase amount regardless of whether a request is accepted or rejected. American Express is not responsible for whether requests are accepted and money is paid back to your linked account with Venmo or PayPal. You will earn rewards for purchases that you split in the same way that you would for other purchases that you make with your Card.
Split will be available for a limited time. We plan to launch enhanced features after September 2020 that will require your re-enrollment. We will notify you if and when these features become available.
The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid cards and cards issued by non-American Express issuers are not eligible. To log in, Card Members must have an American Express user ID and password or create one in the app.