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  <xsd:element id="axp_DebtandEquitySecuritiesUnrealizedLoss" name="DebtandEquitySecuritiesUnrealizedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="axp_DelinquencyFees" name="DelinquencyFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="axp_DepositsByComponentAlternativeTableTextBlock" name="DepositsByComponentAlternativeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_DepositsByTypeTableTextBlock" name="DepositsByTypeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_DerivativeAssetAndLiabilityNetting" name="DerivativeAssetAndLiabilityNetting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" name="DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" name="DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="axp_DirectAndIndirectOwnershipOfVariableInterests" name="DirectAndIndirectOwnershipOfVariableInterests" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="axp_EarliestYearMember" name="EarliestYearMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" name="EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_FairValuesTextualsAbstract" name="FairValuesTextualsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" name="FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" name="FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="axp_FinancingReceivableAllowanceforCreditLossIncreaseDecreasePercent" name="FinancingReceivableAllowanceforCreditLossIncreaseDecreasePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="axp_FinancingReceivableCreditQualityAdditionalInformation1" name="FinancingReceivableCreditQualityAdditionalInformation1" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" name="FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_ForeignCurrencyGainLoss" name="ForeignCurrencyGainLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ForeigncurrencytranslationadjustmentsmemberMember" name="ForeigncurrencytranslationadjustmentsmemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_GlobalCommercialServicesMember" name="GlobalCommercialServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_GlobalConsumerServicesGroupMember" name="GlobalConsumerServicesGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_GlobalCorporatePaymentsMember" name="GlobalCorporatePaymentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_GlobalMerchantAndNetworkServicesMember" name="GlobalMerchantAndNetworkServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_GlobalSmallBusinessServicesMember" name="GlobalSmallBusinessServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ImpairedLoansByModificationTypeLineItems" name="ImpairedLoansByModificationTypeLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_IncreaseDecreaseInTravelersChequesOutstanding" name="IncreaseDecreaseInTravelersChequesOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_LatestYearMember" name="LatestYearMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" name="LiabilitiesCarriedAtOtherThanFairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" name="LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" name="LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_LoansNet" name="LoansNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract" name="LoansNotesTradeAndOtherReceivablesDisclosureAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_Loansandreceivablesimpairedtroubleddebtrestructuringamountincompliance" name="Loansandreceivablesimpairedtroubleddebtrestructuringamountincompliance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_Loansandreceivablesimpairedtroubleddebtrestructuringamountnotincompliance" name="Loansandreceivablesimpairedtroubleddebtrestructuringamountnotincompliance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_Loansandreceivablesmodifiedastroubleddebtrestructuringoutofprogram" name="Loansandreceivablesmodifiedastroubleddebtrestructuringoutofprogram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="axp_Loyaltypartner" name="Loyaltypartner" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="axp_MarginOnInterestRateSwapNotNetted" name="MarginOnInterestRateSwapNotNetted" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="axp_NetIncomeAttributableToCommonShareholdersAbstract" name="NetIncomeAttributableToCommonShareholdersAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" name="NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NetWriteOffsDomain" name="NetWriteOffsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NetlossratioaspercentageofchargevolumeMember" name="NetlossratioaspercentageofchargevolumeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NetwriteoffrateprincipalMember" name="NetwriteoffrateprincipalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NetwriteoffrateprincipalinterestfeesMember" name="NetwriteoffrateprincipalinterestfeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NetwriteoffsaxisAxis" name="NetwriteoffsaxisAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NetwriteoffsmemberdomainMemberDomain" name="NetwriteoffsmemberdomainMemberDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NinetydayspastbillingaspercentageofreceivablesmemberMember" name="NinetydayspastbillingaspercentageofreceivablesmemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_NonInterestRevenuesLineItems" name="NonInterestRevenuesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_OpenTaxYearsAxis" name="OpenTaxYearsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_OpenTaxYearsDomain" name="OpenTaxYearsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_OtherCommissionsAndFeesTableTextBlock" name="OtherCommissionsAndFeesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" name="OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_OtherFeesandCommissionsandOtherExpensesAbstract" name="OtherFeesandCommissionsandOtherExpensesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_OtherLoansAllowance" name="OtherLoansAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="axp_OtherNetExpenseTableTextBlock" name="OtherNetExpenseTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_OtherNetExpenses" name="OtherNetExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_OtheritemsmemberMember" name="OtheritemsmemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_Paymentsforrepurchasesofcommonsharesandother" name="Paymentsforrepurchasesofcommonsharesandother" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ProductOrServicesAxis" name="ProductOrServicesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ProductsOrServicesDomain" name="ProductsOrServicesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ProvisionsforloansandleaselossesdeductionsnetwriteoffsinterestandfeesmemberMember" name="ProvisionsforloansandleaselossesdeductionsnetwriteoffsinterestandfeesmemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ProvisionsforloansandleaselossesdeductionsnetwriteoffsprincipalmemberMember" name="ProvisionsforloansandleaselossesdeductionsnetwriteoffsprincipalmemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_RatioOfFairValueToAmortizedCostAxis" name="RatioOfFairValueToAmortizedCostAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" name="RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_RatioOfFairValueToAmortizedCostDomain" name="RatioOfFairValueToAmortizedCostDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_RevenuesAndFees" name="RevenuesAndFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_ScheduleOfRevenueSourcesTable" name="ScheduleOfRevenueSourcesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_SecuritizedTrustsLineItems" name="SecuritizedTrustsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_SecuritizedTrustsTable" name="SecuritizedTrustsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_ServiceFees" name="ServiceFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="axp_SignificantChangeInUnrecognizedTaxBenefitsPossibleImpact" name="SignificantChangeInUnrecognizedTaxBenefitsPossibleImpact" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="axp_TaxAuditSettlementYears" name="TaxAuditSettlementYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_ThirdPartyCertificatesOfDeposit" name="ThirdPartyCertificatesOfDeposit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="axp_ThirdPartySweepAccounts" name="ThirdPartySweepAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="axp_ThirtydayspastdueaspercentageoftotalMember" name="ThirtydayspastdueaspercentageoftotalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_TimeDeposits250000LineItems" name="TimeDeposits250000LineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_TimeDeposits250000OrMoreTableTextBlock" name="TimeDeposits250000OrMoreTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_TimeDepositsByMaturityTableTextBlock" name="TimeDepositsByMaturityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" name="TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="axp_TravelCommissionsAndFees" name="TravelCommissionsAndFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="axp_TravelersChequesOutstanding" name="TravelersChequesOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefault1TableTextBlock" name="TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefault1TableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_TroubleddebtrestructuringMember" name="TroubleddebtrestructuringMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="axp_UnrealizedGainsAndLossesMovedFromAociToRetainedEarningsDueToTheAdoptionOfNewAccountingGuidance" name="UnrealizedGainsAndLossesMovedFromAociToRetainedEarningsDueToTheAdoptionOfNewAccountingGuidance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="axp_WeightedAverageMaturityCertificatesofDeposits" name="WeightedAverageMaturityCertificatesofDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" name="WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
</xsd:schema>
