When does American Express report to credit bureaus?

American Express reports to credit bureaus once per month, typically updating Experian, Equifax, and TransUnion within 5 days of a card’s billing cycle ending. Since Amex billing cycles are usually based on the opening date of cardholders’ accounts, there is no set day on which American Express reports to credit bureaus.

For example, if someone opened an Amex credit card account on the 21st of October, then the end of the first billing cycle would fall around the 21st of November, one month after the opening date. In that case, Amex would report to the credit agencies sometime before the 26th.

Given that credit reporting happens on a different day for each Amex cardholder, it’s important to know when the end of your billing cycle and subsequent due date will be. If you just got a new Amex card, keep in mind that it might take one or two billing cycles for the new card to appear on a credit report. So, don’t worry if your American Express credit card doesn’t show up right away.