American Express

American Express

Global issuer of credit cards

About American Express

Simplify's Rating
Why American Express is rated
B
Rated A on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

10,001+

Company Stage

IPO

Headquarters

New York City, New York

Founded

1850

Overview

American Express is a global financial services company that offers a wide range of products for individuals and businesses. Its core offerings include credit cards and charge cards, along with gift cards, travel services, personal savings accounts, and insurance. For businesses, it provides cash flow management tools, expense tracking, corporate programs, payment solutions, business loans, and international payment services, plus merchant payment acceptance and other services. The company generates revenue from card fees, interest on balances, merchant transaction fees, and annual membership fees, as well as income from its travel and insurance services.

Funded Recently
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Simplify's Take

What believers are saying

  • Amex raised $3.5B for premium card expansion to younger high-spenders.
  • Amex reported 10% revenue growth, guiding double-digits for 2026.
  • Berkshire Hathaway holds Amex as top long-term stock.

What critics are saying

  • Trump's 10% rate cap slashes 25% of Amex interest revenue immediately.
  • Mastercard's 18% growth erodes Amex premium market share in 12 months.
  • Tock acquisition fails, diverting focus from core cards in 6 months.

What makes American Express unique

  • Amex uniquely issues premium cards like Black Card and processes transactions.
  • Amex targets high-income customers with superior credit metrics.
  • Amex integrates travel, dining via Tock, and expense tools via Center.

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Funding

Total Funding

$4.3B

Above

Industry Average

Funded Over

2 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison
Coming Soon

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Flexible Work Hours

Hybrid Work Options

Paid Vacation

Paid Sick Leave

Paid Holidays

401(k) Company Match

Bonus incentives

Comprehensive medical, dental, vision, life insurance, and disability benefits

Generous paid parental leave policies

Free access to global on-site wellness centers staffed with nurses and doctors

Free and confidential counseling support through our Healthy Minds program

Career development and training opportunities

Stock Price

Company News

Simply Wall St
Feb 5th, 2026
American Express Raises Over US$3.5b To Fund Premium Card Expansion

American Express completed several large fixed income offerings totaling over $3.5b in recent days. The capital raise coincides with a company focus on premium card growth and a shift in marketing toward higher end and younger customers. Leadership is emphasizing long term premium positioning while seeking to attract younger, high spend clients. American Express (NYSE: AXP) is currently trading at $349.63, with the share price up 11.9% over the past year and 193.2% over the past five years...

Yahoo Finance
Jan 30th, 2026
Mastercard and AmEx report double-digit growth amid White House credit card rate cap fears

Mastercard and American Express reported strong earnings, with Mastercard posting 18% revenue growth and 22% net income growth in the fourth quarter, whilst American Express saw 10% revenue growth and 15% earnings-per-share growth. Both companies guided towards continued double-digit growth in 2026. Despite the robust results, shares of both companies fell on Friday, outpacing broader market declines. The drop appears driven by political anxiety rather than operational concerns, as the White House floats a potential 10% cap on credit card rates. Mastercard reported contained expenses and strong dollar volume growth, particularly in its high-margin services business. American Express highlighted continued spending growth amongst higher-income customers and maintained best-in-class credit metrics despite rising consumer debt levels across the industry.

Yahoo Finance
Jan 20th, 2026
Warren Buffett's Legacy: 2 of His Favorite Stocks to Buy and Hold Forever

The first is a famous name in the credit card sphere. The second produces a drink most of us have quaffed many times in our lives. 10 stocks we like better than Berkshire Hathaway › It's hard to believe Warren Buffett is no longer the CEO of Berkshire Hathaway (NYSE: BRK.A) (NYSE: BRK.B) . But with 2026 now underway, Buffett has reduced his role at the conglomerate to chairman of the board. As one of the most celebrated investors in modern market history, his legacy lives on -- not least because many of the holdings in Berkshire's equity portfolio are his ideas. Here's a brief look at two of the better buy-and-hold picks: finance sector titan American Express (NYSE: AXP) and beverage king Coca-Cola (NYSE: KO) Amex has been in the news lately, and not for the right reasons (at least, as far as shareholders are concerned). In mid-January, President Trump announced he wants to impose a temporary 10% cap on credit card interest rates. Amex, which is both the issuer of the credit and the processor of transactions on its plastic, might have to comply with this rather significant new rule. This, however, is a big "if." At least on paper, the U.S. president does not have the unilateral authority to impose such a limitation on the credit card industry. Nevertheless, cautious investors sold out of Amex and its fellow card-processing giants after Trump's pronouncement. Given the uncertainty, it creates an instant and compelling buy-on-weakness opportunity for the stock. After all, Amex as a company is unique -- no plastic comes anywhere near the prestige of its legendary Black Card -- and it's both an effective issuer and processor. With that combination, it earns interest on cardholder balances and a small piece of every one of the cardholders' transactions. The numbers tell the tale. In Amex's most recently reported quarter, the company grew revenue by an impressive 11% year over year to $18.4 billion. Headline net income advanced even more aggressively, popping by 16% to $2.9 billion. And that qualified as a typical quarter for this ever-profitable operator. Coca-Cola is, of course, the creator and purveyor of its namesake drink, although this is only one item within a huge portfolio. The company also owns Minute Maid orange juice, the Costa coffee brand, and Dasani water, among many other products. It's hard to find any grocery store, supermarket, or restaurant anywhere in the world that doesn't stock Coca-Cola products. This gives the beverage's maker a near-unparalleled scope and reach among consumers. This, plus the fact that its drinks require little innovation, makes it a cash-generating machine, if not a hotly growing enterprise given its size and reach.

About Manchester
Dec 10th, 2025
Eight Manchester restaurants awarded £11,000 funding each through American Express-backed grant programme - About Manchester

Right independent restaurants and cafés across Greater Manchester have been awarded grants of £11,000 each through the Backing International Small

Food and Beverage Media
Nov 27th, 2025
Amex Grants $300K to Small Venues

American Express has awarded $300k to 20 small venues in Melbourne, Sydney, and Auckland through its Backing International Small Restaurants program. Each venue, including The Moat and Beach Bar @ Carrum, receives $15k for operational improvements. The initiative, in its fourth year, has provided $867.5k to Australian and $125k to New Zealand restaurants. Globally, $1.4m will be distributed to 97 restaurants across 14 cities. The program supports community impact and business growth.

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