XML 40 R29.htm IDEA: XBRL DOCUMENT
v3.25.3

Reserves for Credit Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2025
Credit Loss [Abstract] |
Schedule of key variables in macroeconomic scenarios utilized for computation of reserves for credit losses | The following table reflects the range of macroeconomic scenario key variables available to us as of September 30, 2025 and December 31, 2024, respectively, which were used, in conjunction with other inputs, to calculate reserves for credit losses: Table 3.1: Key Macroeconomic Variables
|  | U.S. Unemployment Rate |  | U.S. GDP Growth (Contraction) (a)
|  | September 30, 2025 |  | December 31, 2024 |  | September 30, 2025 |  | December 31, 2024
Third quarter of 2025 |  | 4% |  | 3% - 8% |  | 1% |  | 3% - (4)%
Fourth quarter of 2025 |  | 4% - 6% |  | 3% - 8% |  | 5% - (3)% |  | 3% - 1%
Fourth quarter of 2026 |  | 4% - 8% |  | 3% - 7% |  | 2% - 1% |  | 2%
Fourth quarter of 2027 |  | 4% - 7% |  | 3% - 6% |  | 3% - 2% |  | 4% - 2%
(a)Real GDP quarter over quarter percentage change seasonally adjusted to annualized rates.
Schedule of changes in card member loans, receivables, and other loans | The following table presents changes in the Card Member loans reserve for credit losses for the three and nine months ended September 30: Table 3.2: Changes in Card Member Loans Reserve for Credit Losses
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
(Millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Beginning Balance |  | $ | 5,767 |  |  | $ | 5,321 |  |  | $ | 5,679 |  |  | $ | 5,118 |
Provisions (a) |  | 1,030 |  |  | 1,114 |  |  | 3,025 |  |  | 3,098 |
Net write-offs (b) |  |  |  |  |  |  |  |
Principal |  | (760) |  |  | (701) |  |  | (2,349) |  |  | (2,159) |
Interest and fees |  | (168) |  |  | (152) |  |  | (512) |  |  | (462) |
Other (c) |  | (1) |  |  | 6 |  |  | 25 |  |  | (7) |
Ending Balance |  | $ | 5,868 |  |  | $ | 5,588 |  |  | $ | 5,868 |  |  | $ | 5,588 |
(a)Provisions for principal, interest and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs. In addition, provisions for the nine months ended September 30, 2025 include the reserve release of $144 million upon the previously-mentioned reclassification of a small business cobrand portfolio to Card Member loans HFS in the second quarter of 2025. See Note 1 for additional information. (b)Principal write-offs are presented less recoveries of $261 million and $192 million for the three months ended September 30, 2025 and 2024, respectively, and $724 million and $530 million for the nine months ended September 30, 2025 and 2024, respectively. Recoveries of interest and fees were not significant. (c)Primarily includes foreign currency translation adjustments. The following table presents changes in the Card Member receivables reserve for credit losses for the three and nine months ended September 30: Table 3.3: Changes in Card Member Receivables Reserve for Credit Losses
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
(Millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Beginning Balance |  | $ | 193 |  |  | $ | 171 |  |  | $ | 171 |  |  | $ | 174 |
Provisions (a) |  | 190 |  |  | 170 |  |  | 562 |  |  | 592 |
Net write-offs (b) |  | (183) |  |  | (187) |  |  | (536) |  |  | (609) |
Other (c) |  | — |  |  | 2 |  |  | 3 |  |  | (1) |
Ending Balance |  | $ | 200 |  |  | $ | 156 |  |  | $ | 200 |  |  | $ | 156 |
(a)Provisions for principal and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs. (b)Net write-offs are presented less recoveries of $77 million and $74 million for the three months ended September 30, 2025 and 2024, respectively, and $224 million and $228 million for the nine months ended September 30, 2025 and 2024, respectively. (c)Primarily includes foreign currency translation adjustments. The following table presents changes in the Other loans reserve for credit losses for the three and nine months ended September 30: Table 3.4: Changes in Other Loans Reserve for Credit Losses
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
(Millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Beginning Balance |  | $ | 272 |  |  | $ | 140 |  |  | $ | 194 |  |  | $ | 126 |
Provisions (a) |  | 62 |  |  | 60 |  |  | 245 |  |  | 162 |
Net write-offs (b) |  |  |  |  |  |  |  |
Principal |  | (45) |  |  | (44) |  |  | (146) |  |  | (129) |
Interest and Fees |  | (2) |  |  | (2) |  |  | (7) |  |  | (5) |
Other |  | — |  |  | — |  |  | 1 |  |  | — |
Ending Balance |  | $ | 287 |  |  | $ | 154 |  |  | $ | 287 |  |  | $ | 154 |
(a)Provisions for principal, interest and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs. (b)Principal write-offs are presented less recoveries of $10 million and $5 million for the three months ended September 30, 2025 and 2024, respectively, and $25 million and $14 million for the nine months ended September 30, 2025 and 2024, respectively. Recoveries of interest and fees were not significant.

X
- Definition Financing Receivable, Allowance For Credit Loss, Valuation Assumptions + References No definition available. + Details
Name: | axp_FinancingReceivableAllowanceForCreditLossValuationAssumptionsTableTextBlock
Namespace Prefix: | axp_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_CreditLossAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration