How To Cancel An American Express Card

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Cancel Amex Card
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While American Express (Amex) credit and charge cards come with a lot of impressive member benefits, sometimes cardholders decide to cancel their cards. It may be because they no longer use the card regularly or they do not want to continue paying the annual fee, which on American Express cards are higher than many other issuers.

If you wish to cancel your Amex card, follow the below steps on how to easily cancel your card.

Cancel American Express Credit Card Online

To cancel your Amex card via the internet, go to and log in with your username and password.

On your account dashboard, you will you see a chat icon on the lower right corner. Click that and you will be connected with a live customer service representative who can close your account for you.

AmEx Chat

Once connected, just let them know you wish to close your account and provide them with the account number of your Amex card:

Please close my American Express card ending in ######.

Alternatively, you can click the “Help” link at the top of the page. On the following page, there will an option to start a Live Chat, or contact them by phone number and mail.

AmEx Help

AmEx Live Chat

Cancel Your American Express Card By Phone

If you have the card available in front of you, call the toll-free number on the back of the card. You can also find the 24/7 customer service numbers on, and also listed below for your convenience:

Personal Cards
Small Business
Corporate Cards

If you were hoping to speak to a customer service representative to ask about a retention offer, or waiving or reducing your annual fee, state your account number and hold for a representative.

Otherwise follow the automated system prompts to cancel your card. You will be asked to say “yes” if you wish to proceed in canceling your card. After saying yes, the automated system will read a disclosure statement and then close your account.

Close Your American Express Account By Mail

To cancel your Amex card by mail, look on the back of your most recent credit card statement to locate the mailing address. Do not send your cancellation request to the payment address. You can also find the mailing address on their website and below:

Personal & Small Business Cards
American Express
P.O. Box 981535
El Paso, TX 79998-1535
Corporate Cards
American Express
P.O. Box 981531
El Paso, TX 79998-1531

Sample Personal American Express Cancellation Letter

Copy the below letter to your word processing program and modify the text in red with your own information.


Your Name
City, State Zip

American Express
P.O. Box 981535
El Paso, TX 79998-1535


Dear Sir or Madam:

This letter is my official notice that I am terminating my AMERICAN EXPRESS CARD NAME card effectively immediately. Please close the below account and send a written confirmation that the account has been closed.

Name On Card: _____________________

Account Number: ___________________

Please also notify the credit bureaus that this account has been “closed by request of cardholder”.



Your Name
Phone Number

Be sure to keep a copy of the letter for your records.

Closing An Account and Your Membership Rewards Points

When you cancel your American Express card, you will forfeit any remaining rewards points. Be sure you redeem or transfer your points first if you do not wish to lose them. According to the terms:

  • If you keep at least one American Express Card open that is not past due or canceled, you will have up to 30 days from the date of cancellation to use any points
  • If you do not have any American Express Cards that are still open, you will immediately forfeit all your rewards points upon cancellation.

Closing Your Account and Your Credit Score

Closing a revolving credit card can affect your FICO credit score because it will reduce the average age of your credit history or lower your debt-to-credit level. The length of your credit history comprises of 15% of your credit score. However, the debt-to-credit or utilization ratio makes up 30% of your score and is more likely to lower your credit score.

American Express offers both credit cards and charge cards. Closing a charge card has a smaller effect on your credit score because the current scoring model does not figure charge accounts in the utilization ratio.

The difference between the two types of cards is credit cards allow you to carry a balance. Charge cards on the other hand, require you to pay the entire balance in full at the end of the month.

If you are closing an American Express credit card and you have another Amex credit card that you are keeping open, you can transfer your credit limit to the second card before closing your account. American Express allows you to transfer your entire limit less $500 online.

To do transfer your credit follow the below steps:

  1. Login to your account at
  2. Click on the Menu button on the top left of the page
  3. Under the Card Accounts section on the My Account page, click on Account Services
  4. On the Card Management section click “Transfer Available Credit to Another Card”

AmEx Menu

AmEx Account Services

AmEx Transfer Credit Limit

8 thoughts on “How To Cancel An American Express Card”

Jump to comment form and leave your response.
  1. Dear American Express,

    Why did I have a balance of 168 dollars pass due? I thought I had a zero balance. Well, I send the payment of 168 dollars today online, but I do not know why I owed this amount anyway. My main question is where did the 168 dollar balance come from???

    Sorry able my tone in this chat. I will gladly pay what I owe. I am angry I am late with my payment because I thought I did not owe any money. Maybe you can educate me on why I owed this money.

    I am not sure american express is something I need.
    Thanks for listing to my complaint. Respectfully, Charles Cheney

    • If you are confused about your bill, other than checking your statement to see where the extra $168 is coming from, you can look on the back of your AmEx card to find the number for customer support and give them a call. Or you can call their general customer service number at 1-800-528-4800

  2. I canceled my American Express card because I didn’t want to pay $250 for the privilege of having a $200 credit limit! As soon as I canceled it I was reimbursed the 250 they tried to charge me for my second year of having the card and my credit score immediately attacked by almost 60 points! This is outrageous! I am the one who canceled the card not

    • Hi Kristie,

      You may want to read my post on how closing a credit card can affect your credit score, which might explain why your score dropped.

      That said, the $250 annual fee is a lot to pay for a credit card, especially if you aren’t taking advantage of the member benefits. Unless you don’t have much credit, losing the $200 credit limit should only be a short-term hit on your credit score. If you are just starting out and are looking to build your credit, my recommendation is to get a zero annual fee card for your foundation that you keep forever and gradually request higher credit limits as your score goes up.

    • Hello Dawn, to dispute a charge and cancel your American Express card, you should call the customer service number on the back of the card. We are not associated with AmEx.

  3. I want to cancel my platinum Amex express card since the annual went to 695. Annually,
    I had used extensively for my business and make monthly payments to reduce a 10K balance.

    I need to structure a payment plan that wouldn’t drain my check. If I close the account will they want the entire balance paid off or can I make monthly payments?

    I wanted to ask before I give them a call and your opinion.

    • Usually, when you close a credit card, you will continue to receive statements and continue paying off the remaining balance like normal with the minimum monthly payment being the least you can pay.

      Another thing you can consider is seeing how long it might take for you to pay off the entire balance. Then do the math to see whether it’d be worth paying a balance transfer fee and doing a balance transfer to a card with a 0% intro APR.


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