American Express National Bank

American Express National Bank is the banking subsidiary of American Express Company, one of the most recognised financial brands in the United States. While American Express is best known for its premium credit and charge cards, the banking entity also offers savings accounts, personal loans, and business banking products.

For individual consumers, American Express is best known for credit and charge cards that target travel rewards, dining, and premium lifestyle spending. Products range from everyday cash-back cards to premium travel cards with higher annual fees and more extensive rewards and benefits. The Amex card network also comes with certain consumer protections and purchase benefits that vary by card.

American Express National Bank also offers high-yield savings accounts and certificates of deposit for customers looking for competitive deposit rates without a traditional branch relationship. These products are managed online.

American Express Personal Loans are available to qualifying existing cardholders in many cases. These unsecured loans are often offered as pre-qualified products based on the cardholder's existing relationship with American Express. Consumers who are not existing cardholders may have limited access to personal loan products.

For small businesses, American Express offers the Business Blueprint platform, which includes cash flow management tools and business checking products. American Express business cards are widely used by small business owners and self-employed individuals.

Customer service at American Express is generally well regarded, particularly for cardholders, with phone and chat support available around the clock.

American Express National Bank is regulated by the Office of the Comptroller of the Currency and deposits are insured by the FDIC up to applicable limits. Card rates, fees, and loan terms vary by product and individual credit profile.