How can I pay my American Express bill by phone?

You can make an American Express credit card payment online, over the phone, by mail, or via the American Express app. To pay your Amex bill online or with the app, just login to your Amex account, click “Make a Payment,” and add your bank account and routing number to make the payment.… read full answer

Once you pay online, the payment will post to your account within 24-36 hours. If you made a payment, but it hasn’t posted to your account after 36 hours, you can check the status of the payment by logging into your account online. Go to the “Payments” section in the navigation bar, and scroll down to “Payment History.” Here, you’ll be able to see a list of your recent payments and whether they are pending or posted.

Making an Amex credit card payment over the phone is also an option. Call American Express at 800-472-9297, enter your Amex credit card number, and follow the prompts to complete a payment.

If you still prefer to mail a payment, you can send a payment by check or money order made payable to American Express. Just make sure to include your account number on the front of your check or money order. Send payment to: American Express / P.O. Box 650448 / Dallas, TX 75265-0448. For overnight payment processing, send to American Express / Attn: Express Mail Remittance Processing / 20500 Belshaw Ave. / Carson, CA 90746.

You don’t have to pay off all American Express cards every month. Most Amex credit cards allow you to carry a balance from month to month, requiring only a monthly minimum payment to keep your account in good standing. That’s the case with the Blue Cash Preferred® Card from American Express… read full answer and Blue Cash Everyday® Card from American Express, for example, as well as the The Amex EveryDay® Credit Card from American Express and others. Some even offer 0% introductory APRs.

On the other hand, you do have to pay some American Express cards in full every month. That includes The Platinum Card® from American Express, American Express® Gold Card and American Express® Green Card. But there are exceptions. If you have one of those cards and use it responsibly, American Express may offer to let you pay for certain purchases over time. Interest will apply to such purchases, though, at a rate that won’t be disclosed until Amex extends an offer.

You can check out WalletHub’s review of the best American Express credit cards to find a good option for carrying a balance. Just don’t expect to find a low regular APR. American Express credit cards are known more for rewards than low rates.