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<SEC-DOCUMENT>0000930413-08-001668.txt : 20080313
<SEC-HEADER>0000930413-08-001668.hdr.sgml : 20080313
<ACCEPTANCE-DATETIME>20080313123941
ACCESSION NUMBER:		0000930413-08-001668
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20080313
DATE AS OF CHANGE:		20080313

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:		08685545

	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>c52704_fwp.htm
<TEXT>

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   <TITLE>c52704_fwp.htm -- Converted by SEC Publisher, created by BCL Technologies Inc., for SEC Filing</TITLE>
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<table width="100%" border="0" cellpadding="00" cellspacing="0">
  <tr>
    <td width="80%">&nbsp;</td>
    <td nowrap><b><font size=3 face="serif">Issuer Free Writing Prospectus<br>
Filed pursuant to Rule 433<br>
Registration No. 333-138032</font> </b></td>
  </tr>
</table><P align="center">
<B><FONT size=4 face="serif">A</FONT></B><B><FONT size=2 face="serif">MERICAN </FONT></B><B><FONT size=4 face="serif">E</FONT></B><B><FONT size=2 face="serif">XPRESS </FONT></B><B><FONT size=4 face="serif">C</FONT></B><B><FONT size=2 face="serif">OMPANY</FONT></B><B><FONT size=4 face="serif"> </FONT></B><BR>
<B><FONT size=4 face="serif">&#36;1,000,000,000 </FONT></B><BR>
<B><FONT size=4 face="serif">8.150%</FONT></B><B><FONT size=2 face="serif"> </FONT></B><B><FONT size=4 face="serif">F</FONT></B><B><FONT size=2 face="serif">IXED </FONT></B><B><FONT size=4 face="serif">R</FONT></B><B><FONT size=2 face="serif">ATE
</FONT></B><B><FONT size=4 face="serif">30-Y</FONT></B><B><FONT size=2 face="serif">EAR </FONT></B><B><FONT size=4 face="serif">G</FONT></B><B><FONT size=2 face="serif">LOBAL </FONT></B><B><FONT size=4 face="serif">S</FONT></B><B><FONT size=2 face="serif">ENIOR </FONT></B><B><FONT size=4 face="serif">N</FONT></B><B><FONT size=2 face="serif">OTES</FONT></B></P>
<HR size="1" noshade>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
<TR valign="bottom">
	<TD align=left nowrap>
 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<B><FONT face="serif">Terms and Conditions</FONT></B>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>&nbsp;	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Issuer:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">American Express Company</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Expected Ratings </FONT><SUP><FONT size=2 face="serif">(1) </FONT></SUP><FONT size=2 face="serif">:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">A1 / A+ / A+ (Moody&#146;s / S&amp;P / Fitch)</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Ranking:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Senior Notes</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Trade Date:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">March 12, 2008</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Settlement Date:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">March 19, 2008 (T+5 days)</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Maturity:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">March 19, 2038</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Par Amount:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">&#36;1,000,000,000</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Benchmark Treasury:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">UST 5.000% due 5/37</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Re-offer Spread to Benchmark:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">T</FONT><SUB><FONT size=2 face="serif">30 </FONT></SUB><FONT size=2 face="serif">+380 bps</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Re-offer Yield:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">8.183%</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Coupon:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">8.150%</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Public Offering Price:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">99.633%</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Underwriting Discount:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">0.875%</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Net Proceeds to American Express:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">&#36;987,580,000 (before expenses)</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Interest Payment Dates:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">The 19</FONT><SUP><FONT size=2 face="serif">th </FONT></SUP><FONT size=2 face="serif">of each September and March, beginning September 19</FONT><SUP><FONT size=2 face="serif">th </FONT></SUP><FONT size=2 face="serif">,
2008</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Day Count:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">30 / 360</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Redemption:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">The notes may not be redeemed prior to maturity unless certain events occur involving United States</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">taxation</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Listing:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">The notes will not be listed on any exchange</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Minimum Denominations/Multiples:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Minimum denominations of &#36;2,000 and integral multiples of &#36;1,000 in excess thereof</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Cusip:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">025816AZ2</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">ISIN:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">US025816AZ26</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Joint Book Managers:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Citigroup Global Markets Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">J.P. Morgan Securities Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Joint Lead Manager:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Greenwich Capital Markets, Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Co-Managers:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Banc of America Securities LLC</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Barclays Capital Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">BNP PARIBAS</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Credit Suisse Securities (USA) LLC</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Deutsche Bank Securities Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Goldman, Sachs &amp; Co.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Mitsubishi UFJ Securities International plc</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">Mizuho Securities USA Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">National Australia Bank Limited</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>
<FONT size=2 face="serif">Junior Co-Managers:</FONT>	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">BNY Capital Markets, Inc.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">CastleOak Securities, L.P.</FONT>	</TD>
</TR>
<TR valign="bottom">
	<TD align=left nowrap>&nbsp;	</TD>
	<TD>&nbsp;	</TD>
	<TD align=left nowrap>
<FONT size=2 face="serif">The Williams Capital Group, L.P.</FONT>	</TD>
</TR>
</TABLE><BR>
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<P STYLE="page-break-before:always"></P><PAGE>
<P align="center">
<B><FONT size=4 face="serif">A</FONT></B><B><FONT size=2 face="serif">MERICAN </FONT></B><B><FONT size=4 face="serif">E</FONT></B><B><FONT size=2 face="serif">XPRESS </FONT></B><B><FONT size=4 face="serif">C</FONT></B><B><FONT size=2 face="serif">OMPANY</FONT></B><B><FONT size=4 face="serif"> </FONT></B><BR>
<B><FONT size=4 face="serif">&#36;1,000,000,000 </FONT></B><BR>
<B><FONT size=4 face="serif">8.150%</FONT></B><B><FONT size=2 face="serif"> </FONT></B><B><FONT size=4 face="serif">F</FONT></B><B><FONT size=2 face="serif">IXED </FONT></B><B><FONT size=4 face="serif">R</FONT></B><B><FONT size=2 face="serif">ATE
</FONT></B><B><FONT size=4 face="serif">30-Y</FONT></B><B><FONT size=2 face="serif">EAR </FONT></B><B><FONT size=4 face="serif">G</FONT></B><B><FONT size=2 face="serif">LOBAL </FONT></B><B><FONT size=4 face="serif">S</FONT></B><B><FONT size=2 face="serif">ENIOR </FONT></B><B><FONT size=4 face="serif">N</FONT></B><B><FONT size=2 face="serif">OTES</FONT></B></P>
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<blockquote>
  <p align="left">
    <FONT size=1 face="serif">(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><FONT size=2 face="serif"> </FONT></p>
</blockquote>
<P align="left">
<FONT size=2 face="serif">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, J.P. Morgan Securities Inc. at 1-212-834-4533 (collect calls accepted),
Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated at 1-866-500-5408 or Greenwich Capital Markets, Inc. at 1-866-884-2071.</FONT></P>

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