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<SEC-DOCUMENT>0000930413-07-006881.txt : 20070823
<SEC-HEADER>0000930413-07-006881.hdr.sgml : 20070823
<ACCEPTANCE-DATETIME>20070822214840
ACCESSION NUMBER:		0000930413-07-006881
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20070823
DATE AS OF CHANGE:		20070822

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN EXPRESS CO
		CENTRAL INDEX KEY:			0000004962
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				134922250
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-138032
		FILM NUMBER:		071074277

	BUSINESS ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285
		BUSINESS PHONE:		2126402000

	MAIL ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN EXPRESS CO
		CENTRAL INDEX KEY:			0000004962
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				134922250
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285
		BUSINESS PHONE:		2126402000

	MAIL ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>c50019_fwp.htm
<TEXT>
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<P align="right"><b><font size="2">Issuer Free Writing Prospectus<br>
Filed pursuant to Rule 433<br>
Registration No. 333-138032</font></b></P>
<P></P>

<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:serif; font-size:5.2mm; "><B>A</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>MERICAN</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B> E</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>XPRESS</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B> C</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>OMPANY</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B><br>$1,500,000,000<br>6.150% F</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>IXED</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B> R</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>ATE</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B> 10-Y</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>EAR</B></FONT>
<font style="font-family:serif; font-size:5.2mm; "><B> G</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>LOBAL</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B> S</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>ENIOR</B></FONT><FONT style="font-family:serif; font-size:5.2mm; "><B> N</B></FONT><FONT style="font-family:serif; font-size:3.7mm; "><B>OTES</B></FONT></P>
<hr color=#000000 noshade>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:serif; font-size:4.5mm; "><B>Terms and Conditions</B></FONT></P>
<table cellspacing="0" style="margin-left:0.00%;margin-right:0.00%;width:100.00%;" >
<TR valign="top">
    <TD style="width:31.03%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:66.67%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>


  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Issuer:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      American Express Company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Expected Ratings</FONT><FONT style="font-family:serif; font-size:2.5mm; "><SUP>(1)</SUP></FONT><FONT style="font-family:serif; font-size:3.8mm; ">:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      A1 / A+ / A+ (Moody&#146;s / S&amp;P / Fitch)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Ranking:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Senior Notes</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Trade Date:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      August 22, 2007</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Settlement Date:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      August 28, 2007 (T+4 days)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Maturity:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      August 28, 2017</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Par Amount:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      $1,500,000,000</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Re-offer Spread to Benchmark:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      T</FONT><FONT style="font-family:serif; font-size:2.5mm; ">10</FONT><FONT style="font-family:serif; font-size:3.8mm; ">+155 bps</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Re-offer Yield:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      6.185%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Coupon:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      6.150%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Public Offering Price:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      99.742</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Net Proceeds to American Express:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      $1,490,130,000 (before expenses)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Interest Payment Dates:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      The 28</FONT><FONT style="font-family:serif; font-size:2.5mm; "><SUP>th</SUP></FONT><FONT style="font-family:serif; font-size:3.8mm; "> of each February and August, beginning February 28</FONT><FONT style="font-family:serif; font-size:2.5mm; "><SUP>th</SUP></FONT><FONT style="font-family:serif; font-size:3.8mm; ">, 2008</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Day Count:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      30 / 360</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Redemption:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      The notes may not be redeemed prior to maturity unless certain events occur involving United States taxation</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Listing:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      The notes will not be listed on any exchange</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Minimum Denominations/Multiples:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Cusip:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      025816AX7</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      ISIN:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      US025816AX77</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Joint Book Managers:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Citigroup Global Markets Inc.<br>Goldman, Sachs &amp; Co.<br>J.P. Morgan Securities Inc.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Co-Managers:</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:serif; font-size:3.8mm; ">
      Banc of America Securities LLC<br>BNP Paribas Securities Corp.<br>Deutsche Bank Securities Inc.<br>Utendahl Capital Partners, L.P.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="3" style="border-top:solid 0.2mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>

<P style="margin:3.5mm 8.4mm 0; "><FONT style="font-family:serif; font-size:3.1mm; ">(1) An explanation of the significance of ratings may be obtained from the rating agencies. Generally, rating agencies base their ratings on such material and information, and such of their own investigations, studies and assumptions, as they deem
  appropriate. The rating of the notes should be evaluated independently from similar ratings of other securities. A credit rating of a security is not a recommendation to buy, sell or hold securities and may be subject to review, revision, suspension,
  reduction or withdrawal at any time by the assigning rating agency.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:serif; font-size:3.8mm; ">The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration
  statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site
  at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling Citigroup Global Markets Inc. toll free at 1-
  877-858-5407, Goldman, Sachs &amp; Co. at 1-866-471-2526 or J.P. Morgan Securities Inc. at 212-834-4533.</FONT></P>
<p><font size=2>&nbsp;</font></p>
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