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<SEC-DOCUMENT>0000004962-09-000005.txt : 20090227
<SEC-HEADER>0000004962-09-000005.hdr.sgml : 20090227
<ACCEPTANCE-DATETIME>20090227163142
ACCESSION NUMBER:		0000004962-09-000005
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20090227
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20090227
DATE AS OF CHANGE:		20090227

FILER:

	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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-07657
		FILM NUMBER:		09643461

	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>8-K
<SEQUENCE>1
<FILENAME>feb278k.txt
<DESCRIPTION>8-K AMERICAN EXPRESS COMPANY
<TEXT>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

      Date of Report (Date of earliest event reported): February 27, 2009


                           AMERICAN EXPRESS COMPANY
            (Exact name of registrant as specified in its charter)

         New York                      1-7657                 13-4922250
- -----------------------------  ------------------------    -------------------
(State or other jurisdiction   (Commission File Number)     (IRS Employer
     of incorporation)                                      Identification No.)


       200 Vesey Street, World Financial Center
                 New York, New York                        10285
       ----------------------------------------          ----------
       (Address of principal executive offices)          (Zip Code)


      Registrant's telephone number, including area code: (212) 640-2000

                                      None
              --------------------------------------------------
         (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

         Written communications pursuant to Rule 425 under the Securities Act
- ----     (17 CFR 230.425)

         Soliciting material pursuant to Rule 14a-12 under the Exchange Act
- ----     (17 CFR 240.14a-12)

         Pre-commencement communications pursuant to Rule 14d-2(b) under the
- ----     Exchange Act (17 CFR 240.14d-2(b))

         Pre-commencement communications pursuant to Rule 13e-4(c) under the
- ----     Exchange Act (17 CFR 240.13e-4(c))




<PAGE>
ITEM 7.01 REGULATION FD DISCLOSURE

     American Express Company (the "Company") is furnishing the following
information under Item 7.01 - Regulation FD Disclosure:


        On January 26, 2009, the Company issued its press release announcing its
results for the quarter and year ended December 31, 2008, and its 2008 Fourth
Quarter/Full Year Earnings Supplement. Subsequent to that date, the Company
determined that adjustments were required as a result of a calculation error
impacting the amount of ineffectiveness recorded for its fair value hedges. The
adjustments resulted in a $108 million reduction in Other Expenses, net, and an
increase of $68 million in Net Income. Net Income for the quarter and year ended
December 31, 2008, was $240 million and $2.70 billion, respectively, compared to
the $172 million and $2.63 billion, respectively, announced on January 26th.
Earnings Per Share - Diluted for the quarter and year ended December 31, 2008,
increased to $0.21 and $2.33, respectively, from $0.15 and $2.27, respectively.

Changes to previously announced segment income (loss) affected by these
adjustments described above are as follows:


     ------------------------- ----------------------- -------------------
     (Millions)
                                      Segment               Segment
                                      Income (Loss) -       Income (Loss) -
                                 Previously Announced     As Adjusted
     ------------------------- ----------------------- -------------------
     Three months
     ended 12/31/2008
     ------------------------- ----------------------- -------------------
     U.S. Card Services                 $4                    $64
     ------------------------- ----------------------- -------------------
     Global Commercial                $(18)                   $(7)
     Services
     ------------------------- ----------------------- -------------------
     Year ended 12/31/2008
     ------------------------- ----------------------- -------------------
     U.S. Card Services               $792                   $852
     ------------------------- ----------------------- -------------------
     Global Commercial                $494                   $505
     Services
     ------------------------- ----------------------- -------------------

In addition to the impacts on the two reporting segments shown above, the
Corporate segment net income decreased by approximately $2 million.

The adjustments discussed above have been reflected in the Company's Annual
Report on Form 10-K for the year ended December 31, 2008, which was filed with
the Securities and Exchange Commission on February 27, 2009.


                                      -1-
<PAGE>





                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                        AMERICAN EXPRESS COMPANY
                                        (REGISTRANT)






                                        By:    /s/ Stephen P. Norman
                                        Name:  Stephen P. Norman
                                        Title: Secretary

DATE:   February 27, 2009




                                      -2-
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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