The company said total U.S. Consumer Card Member loans were $97.2 billion as of January 31, 2026, $100.2 billion as of December 31, 2025 and $97.7 billion as of November 30. Loans 30 or more days past due as a share of total loans were 1.4%, 1.3% and 1.4%, respectively.

1. 01

   The company said total U.S. Consumer Card Member loans were $97.2 billion as of January 31, 2026, $100.2 billion as of December 31, 2025 and $97.7 billion as of November 30. Loans 30 or more days past due as a share of total loans were 1.4%, 1.3% and 1.4%, respectively.

2. 02

   American Express said the net write-off rate on principal only for U.S. Consumer Card Member loans was 1.9% for January 2026, 2.1% for December 2025 and 2.1% for November. Average loans were $98.7 billion, $99.0 billion and $96.5 billion, respectively.

3. 03

   The company reported total U.S. Small Business Card Member loans of $31.4 billion as of January 31, 2026, a 30-day-plus past-due ratio of 1.7% and a net write-off rate on principal only of 2.8%. For December 2025, the figures were $30.8 billion, 1.7% and 2.7%, respectively.

4. 04

   American Express said the ending total principal balance of the American Express Credit Account Master Trust was $25.2 billion for January 2026, and its annualized default rate, net of recoveries, was 1.1%. The company said the total of Card Member loans held for investment of $128.6 billion does not include loans classified as held for sale.

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