American Express Company filed a Form 8-K on October 30, 2026, disclosing the issuance of three series of notes totaling $3,000,000,000 in aggregate principal amount.

Key Highlights

  • Three note series issued: American Express issued $1,500,000,000 of 5.447% Fixed-to-Floating Rate Notes due October 30, 2030; $1,150,000,000 of 5.817% Fixed-to-Floating Rate Notes due October 27, 2034; and $350,000,000 of Floating Rate Notes due October 30, 2030.
  • Issuance date: All three series were issued on October 30, 2026, according to the filing.
  • Prospectus Supplement dated October 26, 2026 was used in connection with the offering, under a Prospectus dated February 9, 2024.
  • Registration Statement: The notes were issued pursuant to Form S-3 (No. 333-276975), the filing states.
  • Trustee: The Bank of New York Mellon serves as trustee under a senior indenture dated August 1, 2007, as supplemented by two supplemental indentures dated February 12, 2021, and May 1, 2023.
  • Signed by: James J. Killerlane III, Corporate Secretary, on behalf of the registrant.

American Express Completes Three-Tranche Debt Issuance on October 30, 2026

According to the Form 8-K filed with the U.S. Securities and Exchange Commission, American Express Company (NYSE:AXP) issued three separate series of notes on October 30, 2026. The largest tranche consists of $1,500,000,000 in aggregate principal amount of 5.447% Fixed-to-Floating Rate Notes due October 30, 2030. The second tranche comprises $1,150,000,000 in aggregate principal amount of 5.817% Fixed-to-Floating Rate Notes due October 27, 2034. The third tranche is $350,000,000 in aggregate principal amount of Floating Rate Notes also due October 30, 2030.

The filing reports that the notes were issued pursuant to a Prospectus Supplement dated October 26, 2026, to a Prospectus dated February 9, 2024, filed as part of the company's Registration Statement on Form S-3 (No. 333-276975). The company disclosed that the notes were issued under a senior indenture dated August 1, 2007, between American Express Company and The Bank of New York Mellon, as trustee, as supplemented by a first supplemental indenture dated February 12, 2021, and a second supplemental indenture dated May 1, 2023.

The exhibits filed in connection with this current report include an opinion and consent of Benjamin L. Kuder, Esq. (Exhibit 5), consent of counsel incorporated in Exhibit 5 (Exhibit 23), and the cover page formatted as inline XBRL (Exhibit 104), as listed in the filing. The report was signed by Corporate Secretary James J. Killerlane III on October 30, 2026.

What Was Disclosed

American Express Company disclosed the October 30, 2026, issuance of three series of notes totaling $3,000,000,000 in aggregate principal amount, along with the governing indenture documents and related exhibits, in a Form 8-K filed under Item 8.01 Other Events.