<SEC-DOCUMENT>0000930413-13-002988.txt : 20130515
<SEC-HEADER>0000930413-13-002988.hdr.sgml : 20130515
<ACCEPTANCE-DATETIME>20130515172212
ACCESSION NUMBER:		0000930413-13-002988
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20130515
DATE AS OF CHANGE:		20130515

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:	333-185242
		FILM NUMBER:		13848610

	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>c73854_fwp.htm
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="background-color: white"><B>Issuer
Free Writing Prospectus&nbsp;</B></FONT><BR>
<FONT STYLE="background-color: white"><B>Filed pursuant to Rule 433&nbsp;</B></FONT><BR>
<FONT STYLE="background-color: white"><B>Registration No. 333-185242</B></FONT></P>

<P STYLE="font: bold 11pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">&nbsp;</P>

<P STYLE="font: bold 11pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">AMERICAN EXPRESS COMPANY<BR>
$1,000,000,000<BR>
<U>1.550% NOTES DUE MAY 22, 2018</U></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 37%; padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 63%; padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%"><B>Terms and Conditions</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Issuer:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">American Express Company</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Expected Ratings<SUP>(1)</SUP>:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">A3/BBB+/A+ (Stable/Stable/Stable) (Moody&rsquo;s/S&amp;P/Fitch)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Ranking:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Senior unsecured</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Trade Date:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">May 15, 2013</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Settlement Date:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">May 22, 2013 (T+5 days)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Maturity Date:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">May 22, 2018</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Par Amount:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">$1,000,000,000</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Benchmark Treasury:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">0.625% due April 30, 2018</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Benchmark Treasury Price and Yield:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">98-31+; 0.835%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Re-offer Spread to Benchmark:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">+75 bps</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Re-offer Yield:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">1.585%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Coupon:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">1.550%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Public Offering Price:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">99.832%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Underwriters&rsquo; Commission:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">0.350%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Net Proceeds to American Express:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">$994,820,000 (before expenses)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Interest Payment Dates:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">The 22<SUP>nd</SUP> of each May and November, beginning <BR>
November 22, 2013</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Day Count:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">30 / 360</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Redemption:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">The notes may not be redeemed prior to maturity unless certain events occur involving United States taxation</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Listing:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">The notes will not be listed on any exchange</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%; width: 37%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%; width: 63%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Minimum Denominations/Multiples:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">CUSIP:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">025816 BG3</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">ISIN:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">US025816BG36</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Joint Book-Running Managers:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Citigroup Global Markets Inc.</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Goldman, Sachs &amp; Co.</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">J.P. Morgan Securities LLC</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">UBS Securities LLC</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Co-Managers:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">HSBC Securities (USA) Inc.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Lloyds Securities Inc.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Mitsubishi UFJ Securities (USA), Inc.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Mizuho Securities USA Inc.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Junior Co-Managers:</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">Samuel A. Ramirez &amp; Company, Inc.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; line-height: 115%">The Williams Capital Group, L.P.&nbsp;&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt/normal AdvP3D213C,serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal AdvP3D213C,serif; margin: 0">It is expected that delivery of the notes will be made against payment
therefor on or about the Settlement Date, which will be the fifth business day following the date of pricing of the notes (this
settlement cycle being referred to as &ldquo;T+5&rdquo;). Under Rule 15c6-1 of the Securities Exchange Act of 1934, as amended,
trades in the secondary market generally are required to settle in three business days, unless the parties to a trade expressly
agree otherwise. Accordingly, purchasers who wish to trade the notes on the initial pricing date of the notes or the next succeeding
business day will be required, by virtue of the fact that the notes will settle in T+5, to specify alternative settlement arrangements
at the time of any such trade to prevent a failed settlement and should consult their own advisor.</P>

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<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: bold 11pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">AMERICAN EXPRESS COMPANY<BR>
$1,000,000,000<BR>
<U>1.550% NOTES DUE MAY 22, 2018</U></P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in">(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.</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">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 1-800-831-9146, Goldman, Sachs &amp; Co. toll-free at 1-866-471-2526, J.P. Morgan
Securities LLC at 1-212-834-4533 or UBS Securities LLC toll-free at 1-877-827-6444, ext. 5613884.</P>

<P STYLE="font: 11pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

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