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AI English summary of an SEC filing — figures as filed

American Express logoAmerican Express AXP

American Express said it issued $1,750,000,000 aggregate principal amount of 4.444% Fixed-to-Floating Rate Notes due May 3, 2030 on May 4, 2026.

8-KOther EventsFiled Period of report Summary published (UTC)

Key points

AI summary
  1. American Express said it issued $1,750,000,000 aggregate principal amount of 4.444% Fixed-to-Floating Rate Notes due May 3, 2030 on May 4, 2026.

  2. The company said the Notes were issued pursuant to a Prospectus Supplement dated April 27, 2026 to the Prospectus dated February 9, 2024, filed as part of the Company's Registration Statement on Form S-3 (No. 333-276975).

  3. American Express said the Notes were issued under a senior indenture dated August 1, 2007 between the Company and The Bank of New York Mellon, as trustee, as supplemented by the first supplemental indenture dated February 12, 2021 and the second supplemental indenture dated May 1, 2023.

  4. The company said it incorporated by reference into the Registration Statement as exhibits the Opinion and Consent of Benjamin L. Kuder, Esq. (Exhibit 5) and Consent of Counsel (Exhibit 23, included in Exhibit 5) in connection with the issuance of the Notes.

Summary

AI-written

Analysis scope · Filing bodyWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Issuance of $1,750,000,000 Fixed-to-Floating Rate Notes

American Express said it issued $1,750,000,000 aggregate principal amount of 4.444% Fixed-to-Floating Rate Notes due May 3, 2030 on May 4, 2026.

Source · Based on the filing body and exhibits

Prospectus Supplement dated April 27, 2026

The company said the Notes were issued pursuant to a Prospectus Supplement dated April 27, 2026 to the Prospectus dated February 9, 2024, filed as part of the Company's Registration Statement on Form S-3 (No. 333-276975).

Source · Based on the filing body and exhibits

Senior indenture and supplemental indentures

American Express said the Notes were issued under a senior indenture dated August 1, 2007 between the Company and The Bank of New York Mellon, as trustee, as supplemented by the first supplemental indenture dated February 12, 2021 and the second supplemental indenture dated May 1, 2023.

Source · Based on the filing body and exhibits

Exhibits 5 and 23

The company said it incorporated by reference into the Registration Statement as exhibits the Opinion and Consent of Benjamin L. Kuder, Esq. (Exhibit 5) and Consent of Counsel (Exhibit 23, included in Exhibit 5) in connection with the issuance of the Notes.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.