The address you use depends on your card type and payment method
American Express does not publish a single payment address that works for all cardholders. Instead, the address where your payment should go is printed on your monthly statement, on the back of your card, and in your online account. The reason: American Express routes payments differently depending on whether you hold a personal card, a business card, or a corporate card, and whether you are paying by mail, wire transfer, or another method.
If you are paying by mail, your statement will show "Payment Address" or "Send Payment To" near the top or bottom of the first page. This is the address you should use. If you cannot locate your statement, you can find the correct mailing address by logging into your American Express account online, calling the customer service number on the back of your card, or visiting the American Express website and searching for "payment address."
Key Takeaways
- Your correct payment address is printed on your monthly statement under "Send Payment To" or "Payment Address" — this is the most reliable source.
- American Express uses different mailing addresses for personal cards, business cards, and corporate cards, so using the wrong address will delay your payment.
- You can find your payment address by logging into your online account, calling customer service, or checking the back of your card.
- Payments sent to an incorrect address may not post to your account for several days longer than expected, so verify the address before mailing.
Finding your payment address on your statement
Open your most recent American Express statement and look at the first page. Near the top or bottom, you will see a section labeled "Payment Address," "Send Payment To," or "Where to Send Your Payment." The address listed there is the one you should use for mailed payments. This address is specific to your account and card type.
If your statement is digital only and you have not printed it, log into your American Express account online. Under the "Pay" or "Payments" section, you will see the mailing address displayed. Write it down exactly as shown, including the ZIP code, because mail sorting machines read addresses character by character.
Payment addresses for different American Express card types
American Express maintains separate processing centers for personal cards, business cards, and corporate cards. A payment sent to the wrong center will be rerouted, which adds three to five business days to the time it takes your payment to post. Personal card payments and business card payments go to different addresses, even if you hold both types of cards.
Corporate cards (issued to employees under a corporate account) have their own payment address as well. If you are unsure which type of card you hold, check your statement or call the customer service number on the back of your card and ask the representative to confirm your card category and provide the correct mailing address.
What to include when you mail a payment
When you prepare your payment envelope, include your account number or the payment coupon from your statement. American Express uses the account number to match your payment to your account, so if the account number is missing or illegible, the payment may be delayed. The payment coupon (usually a tear-off section at the bottom of your statement) already has your account number printed on it, so including it is the safest method.
Write your check or money order for the amount you intend to pay, and make it payable to "American Express" or "American Express Company" — the exact wording may vary slightly by card type, so check your statement. Do not send cash through the mail. Allow seven to ten business days for a mailed payment to post to your account, counting from the day you drop it in the mailbox.
Alternatives to mailing a payment
If you want to avoid mailing delays, you can pay online through your American Express account, by phone using the number on the back of your card, or by setting up automatic payments. Online and phone payments typically post within one business day. Automatic payments can be set to occur on a date you choose each month, which removes the risk of forgetting to mail a payment.
Wire transfers are also available for large payments, though they usually carry a fee. To arrange a wire transfer, call the customer service number on your card and ask for wire transfer instructions. The representative will provide you with the bank routing number, account number, and any other details you need to give your own bank.
What happens if you send a payment to the wrong address
If your payment arrives at an American Express facility that does not process your card type, it will be forwarded to the correct location. This forwarding process typically takes three to five business days. Your payment will eventually post to your account, but it will arrive later than if you had used the correct address from the start.
To avoid this delay, always verify the address on your current statement before mailing. If you have moved recently or changed your mailing address with American Express, request a new statement or log into your account to confirm that the payment address has been updated. Outdated statements may show an old address that is no longer in use.
Frequently Asked Questions
Can I use the same address for all my American Express cards?
No. If you hold both a personal card and a business card, each has its own payment address. Check the statement for each card separately and use the address printed on that statement. Using the personal card address for a business card payment will cause a delay.
What if I lost my statement and do not have the payment address?
Log into your American Express account online and navigate to the "Pay" or "Payments" section, where the mailing address will be displayed. You can also call the customer service number on the back of your card and ask a representative to provide the correct address. Do not guess or use an address from an old statement.
How long does it take for a mailed payment to show up in my account?
A payment mailed to the correct address typically posts within seven to ten business days from the date you mail it. This includes time for postal delivery and processing at the American Express facility. If you need the payment to post faster, use online or phone payment instead.
Is there a fee for paying by mail?
No. American Express does not charge a fee for mailed payments. However, you are responsible for postage. Online and phone payments are also free, but wire transfers may carry a fee depending on your bank.
What should I do if my payment was sent to the wrong address?
Call the customer service number on the back of your card and explain the situation. Provide the date you mailed the payment and the address you used. A representative can check whether the payment has been received and rerouted, and can tell you when to expect it to post to your account.