Where to find the American Express login page
Go to americanexpress.com and look for the "Log In" button in the top right corner of the homepage. Click it, and you will land on the login page. You can also navigate directly to the login portal by typing the URL into your browser — American Express keeps this consistent across devices.
On the login page, you will see two fields: one for your User ID or email address, and one for your password. Enter the credentials you set up when you first registered your account. If you have not yet created an online account, you will need to do that before you can log in — the registration link is on the same page.
American Express also offers login through the mobile app, available on iOS and Android. The process is identical: enter your User ID (or email) and password, and you will have access to your account from your phone or tablet.
Key Takeaways
- The American Express login page is at americanexpress.com, with the Log In button in the top right corner of the homepage.
- You will need your User ID or registered email address and your password to log in.
- If you forget your password, use the "Forgot Password?" link on the login page to reset it through your registered email.
- Two-factor authentication (a code sent to your phone or email) is required each time you log in from a new device or browser.
- The mobile app uses the same login credentials as the website and is available on both iOS and Android.
What to do if you forget your password
Click the "Forgot Password?" link on the login page. American Express will ask you to enter your User ID or email address. You will then receive an email at the address on file with instructions to reset your password. Follow the link in that email — it will take you to a page where you can create a new password.
The reset link in the email is time-limited, usually valid for a few hours. If the link has expired, return to the login page and request a new reset email. Make sure you check your spam or junk folder if you do not see the email in your inbox within a few minutes.
Understanding two-factor authentication on your account
Two-factor authentication is a security step that requires you to verify your identity beyond just your password. The first time you log in from a new device, browser, or after clearing your cookies, American Express will send a verification code to your phone (via text) or email. You must enter this code on the login page to complete the process.
This extra step protects your account from unauthorized access. If you do not receive the code, check that your phone number and email address are current in your account settings. You can also choose to receive the code by email instead of text if that works better for you — the option appears on the verification screen.
If you are logging in from a device you use regularly, American Express may offer an option to "remember this device" for a set period. This means you will not need to enter a verification code every single time, though the system will still ask for it periodically for security reasons.
How to update your login credentials
Once you are logged into your account, go to "Account Settings" or "Security Settings" — the exact name depends on which American Express product you hold, but it is always in the main menu. Look for an option labeled "Change Password" or "Update Login Information."
To change your password, you will need to enter your current password first, then create a new one. American Express requires passwords to meet certain standards: typically at least 8 characters, including uppercase and lowercase letters, numbers, and special characters. Write down your new password in a secure location, or use a password manager to store it.
You can also update your registered email address or phone number from the same settings area. Changes to your contact information take effect immediately and will be used for future password resets and two-factor authentication codes.
Troubleshooting common login problems
If you see an error message saying "User ID not found," double-check that you are entering the correct User ID or email address. User IDs are case-sensitive, so make sure you have not accidentally used capital letters where there should be lowercase, or vice versa. If you are not sure what your User ID is, use your registered email address instead — American Express accepts both.
If your password is rejected repeatedly, you may have entered it incorrectly, or your account may be temporarily locked for security reasons. After several failed login attempts, American Express locks the account for a short period to prevent unauthorized access. Wait 15 to 30 minutes and try again. If the problem persists, use the "Forgot Password?" link to reset your password.
If you are having trouble receiving two-factor authentication codes, check that your phone number and email address are up to date in your account settings. Make sure your phone can receive text messages and that your email inbox is not full. If you still do not receive the code, select the option to receive it by email instead, or contact American Express customer service for help.
Staying secure when you log in
Always log in through the official American Express website or app, never through a link in an email or text message. Scammers sometimes send fake emails that look like they are from American Express, with links that take you to a fake login page designed to steal your credentials. If you receive an email asking you to log in and verify your account, go directly to americanexpress.com instead of clicking the link.
Use a strong, unique password that you do not use for any other account. If a hacker gains access to one of your accounts, a unique password means they cannot use the same credentials to break into your American Express account. Change your password every few months, especially if you think someone may have seen it.
Log out when you are finished, particularly if you are using a shared computer or public device. American Express will also log you out automatically after a period of inactivity — usually 15 to 30 minutes — for security. If you are away from your device, do not leave your account open.
Accessing your account on mobile devices
Download the American Express app from the Apple App Store (for iPhone and iPad) or Google Play (for Android phones and tablets). Open the app and tap "Log In." Enter your User ID or email address and password, just as you would on the website. You will receive a two-factor authentication code on your phone or email, which you must enter to complete the login.
The mobile app gives you the same access to your account as the website: you can view your balance, check recent transactions, make payments, and manage your account settings. The app also allows you to set up biometric login — using your fingerprint or face recognition — so you do not have to type your password every time.
If you set up biometric login on your phone, you will still need to enter your password the first time you log in after installing the app or updating it. After that, your fingerprint or face will unlock your account. This is more convenient than typing a password, but only works on the device where you set it up.
Frequently Asked Questions
Can I use my email address instead of my User ID to log in?
Yes. American Express accepts either your User ID or your registered email address in the login field. If you do not remember your User ID, use your email address instead — it will work just as well.
What should I do if I think someone else has accessed my account?
Log in immediately and change your password. Then go to your account settings and review recent activity to see if there are any transactions you did not make. Contact American Express customer service right away to report any unauthorized charges or suspicious activity. They can help you secure your account and investigate the issue.
How long does American Express keep me logged in before it times out?
American Express typically logs you out after 15 to 30 minutes of inactivity for security reasons. The exact timeout period may vary depending on your device and browser. If you are logged out, simply log back in using your credentials.
Can I log into multiple American Express accounts with one email address?
No. Each American Express account must have its own unique email address registered. If you have more than one card or account, each one needs a separate email address for login. You can log into each account separately using the appropriate email and password.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less secure, especially if you share your device with others. If you use a personal device that only you access, it is relatively safe. On a shared computer, do not save your password — type it in each time instead. A password manager is a safer alternative to browser storage.