How to cancel an American Express Card

Written by stephanie mojica
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How to cancel an American Express Card
Cancelling an American Express charge is a fairly easy process (Digital Vision./Digital Vision/Getty Images)

American Express, one of the largest card issuers in the world, offers charge cards and credit cards to eligible consumers. Charge cards do not have a set spending limit, but the balance must be paid in full each month. American Express credit cards work similar to MasterCard and Visa products, which a customer can use to charge goods or services up to a preset credit limit. Such card balances can be paid in monthly payments over time. A consumer may wish to cancel an American Express charge or credit card. Fortunately, this is a fairly easy and brief process.

Skill level:

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Things you need

  • Your Social Security number (or equivalent)
  • Your American Express card

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  1. 1

    Determine whether or not you truly want to cancel your American Express charge or credit card. If you have a credit card product with an outstanding balance, Jean Brannan, community outreach coordinator with Consumer Credit Counseling Service in Florida, advises that you do not cancel the card until it is paid in full.

  2. 2

    Call American Express to cancel your card. The best number to reach the proper department is on the back of your credit or charge card. If you cannot find your American Express card and you do not have Internet access, then call the lender's main customer service switchboard at (800) 528-4800. Representatives are available 24 hours a day.

  3. 3

    Tell the operator you want to cancel your card. It is possible that American Express will try to retain your business. If you are determined to cancel your charge or credit card, then politely decline any operator requests.

  4. 4

    Wait to receive a letter in the mail confirming your account closure. Retain a copy of the letter for your records.

  5. 5

    Dispose of your American Express card. Once you have proof your account is cancelled, it is best to cut the card up to prevent anyone from gaining access to your account number.

  6. 6

    Review your Equifax, Experian and TransUnion credit reports a month or so after account closure. You can also get one free annual credit report from each of the credit bureaus by visiting Verify that your cancelled American Express card is reporting as "closed by consumer." If the account does not reflect being closed or states "closed by credit granter," then contact American Express again to correct the information.

Tips and warnings

  • Consider writing a brief letter requesting card cancellation if you do not want to contact American Express by phone. Be sure to send your letter via certified mail. The ideal mailing address is on your American Express billing statement or reflected in your online account profile. If you do not have it, use the following address:
  • American Express
  • P.O. Box 981540
  • El Paso, TX 79998-1540

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