Form 8-K · Current report
American Express 8-K, filed Aug 17, 2026
- Filed
- CIK
- 0000004962
- Accession no.
- 0000004962-26-000345
Summary
American Express furnished monthly delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card balances held for investment, reporting July 2026 net write-off rates of 1.7% and 2.6%, respectively, and 30-day delinquency rates of 1.1% and 1.3%. The June 2026 write-off rates reflect proceeds from a sale of previously written-off Card balances to a third party, which the company says reduced those rates by about 0.3% for U.S. Consumer and 0.1% for U.S. Small Business.
Key points
- U.S. Consumer Card net write-off rate was 1.7% for July 2026, compared with 1.4% for June and 2.0% for May; 30+ day delinquency was 1.1% in each month.
- U.S. Small Business Card net write-off rate was 2.6% for July, 2.3% for June and 2.6% for May; 30+ day delinquency was 1.3% in July and 1.4% in June and May.
- Total U.S. Consumer and U.S. Small Business Card balances held for investment were $159.2 billion at July 31, 2026, down from $159.7 billion at June 30 and $160.5 billion at May 31.
- The American Express Credit Account Master Trust reported an ending total principal balance of $24.9 billion for July 2026 and an annualized default rate, net of recoveries, of 1.1%, versus 0.7% in June and 1.2% in May.
Written by an AI model from the filing text. It can be incomplete or wrong; the filing on SEC.gov is the record.
Items reported
- 7.01Regulation FD Disclosure
From the filing
Item 7.01 Regulation FD Disclosure American Express Company (the “Company”) is hereby furnishing below delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card balances held for investment for the months ended July 31, June 30 and May 31, 2026; Card balances classified as held for sale on the Consolidated Balance Sheets are not reflected in the table below. American Express Company U.S. Consumer and U.S. Small Business Delinquency and Write-off Rate Statistics As of and for the months ended July 31, June 30 and May 31, 2026 (Billions, except percentages) July 31, 2026 June 30, 2026 May 31, 2026 U.S. …
An excerpt of the text as filed with the SEC, cut for length.
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