AI English summary of an SEC filing — figures as filed
American Express AXPAmerican Express disclosed that as of April 30, 2026, U.S. Consumer total Card balances were $111.4 billion, with 30 days past due at 1.2% of total and a net write-off rate on principal only of 2.1%. As of March 31, the figures were $110.8 billion, 1.3% and 2.0%, respectively.
Key points
AI summaryAmerican Express disclosed that as of April 30, 2026, U.S. Consumer total Card balances were $111.4 billion, with 30 days past due at 1.2% of total and a net write-off rate on principal only of 2.1%. As of March 31, the figures were $110.8 billion, 1.3% and 2.0%, respectively.
The company disclosed that as of April 30, 2026, U.S. Small Business total Card balances were $45.8 billion, with 30 days past due at 1.5% of total and a net write-off rate on principal only of 2.4%. As of March 31, the figures were $45.2 billion, 1.6% and 2.6%, respectively.
American Express said it updated its presentation to combine Card Member loans and Card Member receivables on a combined basis as Card balances. Total Card balances held for investment for U.S. Consumer and U.S. Small Business were $157.2 billion as of April 30, 2026, $156.0 billion as of March 31 and $151.3 billion as of February 28.
The company disclosed that the American Express Credit Account Master Trust had an ending total principal balance of $25.0 billion as of April 2026, an annualized default rate net of recoveries of 1.3% and total 30+ days delinquent of $0.2 billion. As of March, the figures were $25.1 billion and 1.2%, respectively.
Summary
AI-writtenAnalysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.
U.S. Consumer Card balances as of end of April
American Express disclosed that as of April 30, 2026, U.S. Consumer total Card balances were $111.4 billion, with 30 days past due at 1.2% of total and a net write-off rate on principal only of 2.1%. As of March 31, the figures were $110.8 billion, 1.3% and 2.0%, respectively.
Source · Based on the filing body and exhibits
U.S. Small Business Card balances as of end of April
The company disclosed that as of April 30, 2026, U.S. Small Business total Card balances were $45.8 billion, with 30 days past due at 1.5% of total and a net write-off rate on principal only of 2.4%. As of March 31, the figures were $45.2 billion, 1.6% and 2.6%, respectively.
Source · Based on the filing body and exhibits
Change in Card balances presentation and total Card balances held for investment
American Express said it updated its presentation to combine Card Member loans and Card Member receivables on a combined basis as Card balances. Total Card balances held for investment for U.S. Consumer and U.S. Small Business were $157.2 billion as of April 30, 2026, $156.0 billion as of March 31 and $151.3 billion as of February 28.
Source · Based on the filing body and exhibits
American Express Credit Account Master Trust metrics as of April
The company disclosed that the American Express Credit Account Master Trust had an ending total principal balance of $25.0 billion as of April 2026, an annualized default rate net of recoveries of 1.3% and total 30+ days delinquent of $0.2 billion. As of March, the figures were $25.1 billion and 1.2%, respectively.
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.
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