Wallets/amex
American Express (Amex)
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Overview
American Express (Amex) is American Express Company (NYSE: AXP) + American Express National Bank + #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018 [1, 2, us-cro]. 2025 baseline: Amex Mobile app monthly active users +8% YoY (record digital engagement); Amex Mobile #1 J.D. Power 2025 U.S. Credit Card Mobile App Satisfaction Study with 704 out of 1,000 possible points (5th time since 2018); 60%+ new consumer card acquisitions Millennials + Gen Z 2025 (high-earning professionals $100K+ household income); Sep 18 2025 Amex Mobile app major update; Sep 15 2025 Amex launches All-in-One Travel App + Digital Tools distinctive Amex premium travel journey integration.
Distinctive American Express positioning:
- American Express Company (NYSE: AXP) + American Express National Bank + 130+ country footprint
- Amex Mobile #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018 with 704/1000 points (J.D. Power 2025)
- +8% YoY Amex Mobile monthly active users growth (record digital engagement)
- 60%+ new consumer card acquisitions Millennials + Gen Z 2025 (high-earning professionals $100K+ household income)
- Sep 18 2025 Amex Mobile app major update + Sep 15 2025 Amex launches All-in-One Travel App + Digital Tools distinctive Amex premium travel journey integration
- 1850 American Express founding in Buffalo, New York by Henry Wells + William G. Fargo + John Butterfield (also founded Wells Fargo + American Express International + Western Union) → distinctive American payment industry heritage
- 1958 Amex first plastic charge card launch (American Express card distinctive payment industry innovation) + 1991 Optima first revolving credit charge card
History
Mar 18 1850 — American Express founded in Buffalo, New York by Henry Wells + William G. Fargo + John Butterfield (also founded Wells Fargo + American Express International + Western Union) → distinctive American payment industry heritage.
1882 — American Express Money Order founding (distinctive American payments innovation).
1958 — American Express first plastic charge card launch (distinctive American payments innovation).
1991 — Optima first revolving credit charge card launch.
2010 — Amex Mobile app launches.
2025 — Amex Mobile +8% YoY MAU growth + Amex Mobile #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018 + 60%+ new consumer card acquisitions Millennials + Gen Z + Sep 18 2025 major Amex Mobile update + Sep 15 2025 All-in-One Travel App launch [1, 2, 3].
Ownership & operator
Operating entity: American Express Company (NYSE: AXP) + American Express National Bank.
Major shareholders: Berkshire Hathaway (Warren Buffett ~21.5% controlling longtime shareholder; one of Berkshire's largest holdings) + Vanguard + BlackRock + State Street + US institutional + US retail public float.
Regulators: OCC + FDIC + state-level + Federal Reserve.
Technical integration
Amex Mobile app (iOS + Android; #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018; 704/1000 points; +8% YoY MAU growth) + americanexpress.com online + Amex All-in-One Travel App (Sep 15 2025 launch) distinctive Amex premium travel journey integration + American Express cards (Amex network distinctive global card network) + American Express Travel services + Amex Concierge + Amex Membership Rewards + Amex Pay; ACH + Zelle + RTP + Fedwire; American Express Centurion (Amex Black Card distinctive premium card) + American Express Platinum + American Express Gold + American Express Green.
Users & growth
2025: Amex Mobile monthly active users +8% YoY (record digital engagement) + 60%+ new consumer card acquisitions Millennials + Gen Z 2025 (high-earning professionals $100K+ household income).
Use cases
US + 130+ country retail + private + corporate + SME + investment + Amex Membership Rewards + travel + premium banking via Amex Mobile + americanexpress.com online + Amex All-in-One Travel App (Sep 15 2025 launch) + American Express cards + American Express Travel services + Amex Concierge; ACH + Zelle + RTP + Fedwire.
Implementations & partners
Operator: American Express Company (NYSE: AXP) + American Express National Bank; Berkshire Hathaway (Warren Buffett ~21.5% controlling longtime shareholder).
Subsidiaries: American Express National Bank + American Express Travel Related Services + American Express Foreign Exchange + International Payments + Amex Vacations + Amex Membership Rewards.
Major US + global credit card competitors: [[chase-mobile]] (Chase Sapphire + Chase Freedom cards) + [[citi-mobile]] (Citi Premier + Citi Strata + Citi Double Cash cards) + [[capital-one]] (Capital One Venture + Capital One Quicksilver + Capital One Spark cards) + [[bank-of-america]] (BofA Customized Cash + BofA Premium Rewards + BofA Travel Rewards cards) + [[discover]] (Discover it + Discover Miles cards) + Visa + Mastercard global network competitors (Amex distinctive merchant-acquired network vs Visa/Mastercard issuer-issued).
Regulators: OCC + FDIC + state-level + Federal Reserve.
Fun facts
- American Express Company (NYSE: AXP) + American Express National Bank + 130+ country footprint.
- Amex Mobile #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018 with 704/1000 points.
- +8% YoY Amex Mobile monthly active users growth (record digital engagement).
- 60%+ new consumer card acquisitions Millennials + Gen Z 2025 (high-earning professionals $100K+ household income).
- Sep 18 2025 Amex Mobile app major update + Sep 15 2025 Amex launches All-in-One Travel App + Digital Tools distinctive Amex premium travel journey integration.
- Mar 18 1850 American Express founding in Buffalo, New York by Henry Wells + William G. Fargo + John Butterfield (also founded Wells Fargo + American Express International + Western Union) → distinctive American payment industry heritage.
- 1958 Amex first plastic charge card launch + 1991 Optima first revolving credit charge card.
- Berkshire Hathaway (Warren Buffett ~21.5% controlling longtime shareholder; one of Berkshire's largest holdings).
Comparison
| Feature | American Express (Amex) | [[chase-mobile]] (US #1 by assets rival; Chase Mobile 50M+ active users) | [[citi-mobile]] (US Big-4 + 95+ countries global rival) | [[capital-one]] (Major US credit card issuer + Capital One Café + Feb 2024 Discover $35B acquisition rival) | [[bank-of-america]] (US #2 by assets + Erica AI assistant 17M+ active users rival) |
|---|---|---|---|---|---|
| Operator | American Express Company (NYSE: AXP) + American Express National Bank | JPMorgan Chase & Co (NYSE: JPM) | Citigroup Inc (NYSE: C) | Capital One Financial Corporation (NYSE: COF) | Bank of America Corporation (NYSE: BAC) |
| Type | American Express Company + 130+ country footprint + Amex Mobile #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018 + 704/1000 points + +8% YoY MAU growth + 60%+ new consumer card acquisitions Millennials + Gen Z + Sep 15 2025 All-in-One Travel App + Sep 18 2025 Mobile app update + Amex network distinctive merchant-acquired + Berkshire Hathaway ~21.5% Buffett shareholder | US #1 by assets + 80M+ customers + Chase Mobile 50M+ active users | US Big-4 + 1812 City Bank of New York + 95+ countries global | Major US credit card issuer + Capital One Café + Feb 2024 Discover Financial Services $35B pending acquisition | US #2 by assets + 67M+ Bank of America customers + Erica AI assistant 17M+ active users |
| Country | US + 130+ countries | US + 100+ countries | US + 95+ countries | US | US + 35+ countries |
| Distinctive | Mar 18 1850 American Express founding in Buffalo, New York by Henry Wells + William G. Fargo + John Butterfield (also founded Wells Fargo + American Express International + Western Union); 1882 American Express Money Order; 1958 first plastic charge card launch; 1991 Optima first revolving credit charge card; 2010 Amex Mobile launch; Sep 15 + Sep 18 2025 Amex All-in-One Travel App + Mobile app major update; American Express Centurion (Amex Black Card distinctive premium card); Berkshire Hathaway ~21.5% Buffett shareholder | 1799 Bank of the Manhattan Company founding; 2000 Chase Manhattan + J.P. Morgan & Co merger | 1812 City Bank of New York founding; 2008 Citigroup financial crisis bailout | 1988 Capital One founding by Richard Fairbank + Nigel Morris; Feb 2024 Discover Financial Services $35B pending acquisition | 1904 BankItaly founding by Amadeo Giannini; 1998 NationsBank + BankAmerica merger |
Status
Active, American Express Company (NYSE: AXP) + American Express National Bank + Amex Mobile #1 J.D. Power 2025 U.S. Credit Card Mobile App + Online Satisfaction Studies 5th time since 2018 [1, 2, 3]:
- American Express Company (NYSE: AXP) + American Express National Bank since Mar 18 1850 American Express founding in Buffalo, New York by Henry Wells + William G. Fargo + John Butterfield + 1958 first plastic charge card launch + 1991 Optima first revolving credit charge card.
- Amex Mobile +8% YoY MAU growth + 60%+ new consumer card acquisitions Millennials + Gen Z 2025 + Sep 15 + Sep 18 2025 Amex All-in-One Travel App + Mobile app major update.
- Berkshire Hathaway (Warren Buffett ~21.5% controlling longtime shareholder).
- OCC + FDIC + state-level + Federal Reserve regulated.
Sources
- 1 Amex Mobile App Updates: New Features Are Customer-Friendly — Upgraded Points
- 2 American Express Ranks No. 1 in the J.D. Power U.S. Credit Card Mobile App and Online Satisfaction Studies — Business Wire
- 3 American Express Launches All-in-One Travel App and Digital Tools — Business Wire
- us-cro In-corpus:
reports/countries/US-united-states.md
Source
Biography extracted from amex.md. See matrix.md for standards-support matrix if present.