American Express said U.S. Consumer Card Member loans held for investment totaled $92.6 billion as of June 30, 2025, $93.7 billion as of July 31 and $94.6 billion as of August 31, and the 30 days past due ratio was 1.3% at all three dates.

1. 01

   American Express said U.S. Consumer Card Member loans held for investment totaled $92.6 billion as of June 30, 2025, $93.7 billion as of July 31 and $94.6 billion as of August 31, and the 30 days past due ratio was 1.3% at all three dates.

2. 02

   The company said U.S. Small Business Card Member loans held for investment totaled $30.1 billion as of June 30, 2025, $30.5 billion as of July 31 and $30.9 billion as of August 31, and the 30 days past due ratio was 1.6% at all three dates.

3. 03

   American Express said the net write-off rate on a principal-only basis was 2.1% in June, 2.0% in July and 2.0% in August for U.S. Consumer, and 2.6% in June, 2.7% in July and 2.7% in August for U.S. Small Business.

4. 04

   The company said the annualized default rate, net of recoveries, for the American Express Credit Account Master Trust was 1.3% in June, 1.1% in July and 1.2% in August, and as of August 31 the total U.S. Consumer and Small Business Card Member loans held for investment was $125.5 billion.

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