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How to Manage Your American Express Account Settings

As a cardholder, it is important to take control of your account settings. It’s up to you to ensure the accuracy of the personal and contact information associated with your card, to stay on top of payment responsibilities, to keep a lookout for suspicious activities and, of course, to make the most of all those awesome membership rewards, perks, and bonuses that come with your AmEx card.

Fortunately, American Express makes it easy and convenient to manage all of your account settings online or using your mobile device, whether you’re a credit card holder, a banking customer, a small business, or a big corporation. In fact, American Express highly recommends using both your online account and mobile app to coordinate activities like reviewing your statements and transactions, paying your bills, redeeming your rewards, reporting suspicious activity and more.

If you have specific questions about how to start using your new American Express Card, jump to our article on how to activate your account. Otherwise, read on to find out how you can manage your American Express credit cards from anywhere in the world, 24/7.

Create Your Online Account

The very first step to managing your account settings is creating your online account. Visit the American Express setup page, where you will be asked to enter your credit card number and your four digit PIN. This will initiate the setup process for you online account. Follow the prompts to create your username, password and profile. Once you’ve done this, you should have access to your user dashboard.

Download the AmEx Mobile App

American Express also strongly advises adding the AmEx Mobile App to your smartphone or tablet. In fact, you can visit this page, scan the QR code directly to your phone, and download the app in one click. 

The AmEx Mobile App makes it easier to redeem membership rewards, enroll in unique promotional benefits programs, book flights and hotels using your travel rewards cards, and much more. The app is also compatible with Venmo and Paypal which makes it easier than ever to send and receive money using your AmEx card.

Visit “My Account” To Manage Settings

Whether you’re using the American Express website or the Mobile App, you can sign in to visit the My Account dashboard at any time. Here, you can manage a wide range of settings including updating your contact information, requesting new cards, reporting suspicious activity, and initiating fraud claims. You can also use this dashboard to request a higher credit limit, ask for an updated contactless card, apply for new offers, initiate the live chat feature, and much more.

Interested in getting a contactless card from American Express? Check out our article on this fast, easy and convenient payment method to learn more.

Review Statements and Activity

Both the American Express website and the Mobile App make it easy to review statements, monitor spending activities, and manage your payments. You can also use these channels to identify potentially suspicious activity, unfamiliar transactions, or fees that you believe you have been charged in error. 

This section of the American Express website also allows users to file disputes. Use the resources that American Express makes available to you in order to keep a close eye on all activity surrounding your American Express credit card accounts. This is the best way to ensure that you stay on top of your payment responsibilities, avoid late fees, identify possible instances of fraud, and act quickly in response.

Get Technical Support

You can also drop by the Customer Support and Help Center page, which provides an array of useful navigational links to important account management tasks throughout the site. Among them, you can get help logging in, creating your online account, disputing transactions, and even accessing your free credit report. This Center also includes a direct link to begin using the online live chat feature or to locate the help number associated with your specific type of American Express Card.

Manage Benefits

The American Express website and mobile app both provide users with access to a Benefits Dashboard. Here, you can manage your reward offers, seize on new promotions, explore your options for reward redemption, and more.

Benefits categories are numerous and include travel rewards, everyday spending rewards, cash back for purchases, entertainment perks and more. Benefits and rewards vary widely from one American Express card to another. But whichever card you use, you have the ability to leverage and optimize your membership rewards with the user friendly Benefits Dashboard.

American Express Banking Customers

In addition to credit card and charge card management, the American Express website offers user access to a wide range of banking services and financial products. Noted for its excellent customer service, AmEx offers personalized user experiences and tailored account management dashboards for those with savings products, personal loans and checking accounts as well as those who rely on American Express for investment banking, financial planning, business checking, and more.

Business Friendly Account Management

In addition to the account management features offered to its everyday consumers and cardholders, American Express offers dashboard experiences built for specialized use cases. Among them, AmEx offers a platform for small businesses. This allows small business owners to manage their account settings while accommodating their heightened demands and unique needs. This includes a suite of tools that can be customized to individual company needs like monitoring employee spending, streamlining payment processes, and more.

American Express even offers a Corporate Startup program designed to empower new enterprises with powerful and user friendly account management tools.

And on the opposite end of the spectrum, American Express offers enhanced online account management solutions for corporations that must typically manage a large number of corporate credit cards and cardholders. To help simplify this management challenge, American Express offers corporate clients a platform called American Express @ Work. 

According to the American Express website, @ Work “helps you manage your Corporate Card and Corporate Purchasing Card programs more efficiently online. From performing everyday administrative tasks and account maintenance, to accessing reports and utilizing reconciliation solutions, @ Work enables fast, efficient and effective program management resulting in time and cost savings for you and your company.”

Check out the Business Services Home page for a look at the full scope of account management settings and services available to business owners and administrators through the American Express website.

Merchant Account Management

The American Express website also hosts a specialized platform serving the heightened account management needs for merchants who process American Express card payments. Merchant online account management comes with smooth and secure payment processing, access to a streamlined dispute resolution process, the availability of 24/7 support, and even a portal where merchants can purchase decals and signage for their brick and mortar stores to indicate that they accept American Express as well as contactless payments.

This is worth noting because American Express is not accepted everywhere you shop. Some merchants don’t accept payment with AmEx because the credit card company is known for charging higher merchant fees per transaction.

[Learn more about merchant fees with a look at our article, which asks the question–where can your American Express card be used?]


Have questions about how to use your online account, manage your mobile app, or change some of your key settings? If so, you may want to reach out directly to American Express customer service. Visit our listing of key contacts at American Express to find the support you need.