How Do I Close My American Express Credit Card?

If you are looking at reducing your overall debt and taking more control of your finances by closing your American Express card, the process is easy. Go online, call American Express or send them the request in the mail. Know that you will lose any rewards you didn't cash out before closing the card, but the return will be more control over your finances.

More consumers are looking for ways to streamline their finances and cut debt. One of the ways they do this is through closing credit cards to reduce their consumer spending. You may be thinking of closing your American Express credit card, but how do you go about it? Here are the steps to closing your American Express credit card. You can also get information and assistance from American Express customer service here.

Things To Consider Before Closing Your Card

While closing your American Express credit card can have some advantages when it comes to decreased spending and lower overall debt, there are some things to think about before closing.

  1. Closing your American Express credit card will affect your credit utilization ratio. Even if the card is completely paid off before you close it, your overall available credit will go down. Other credit cards or lines of credit will show their current balances against your new available credit amount. If this puts your utilization ratio above 30 percent, this could cause your score to go down.
  2. Closing your American Express credit card can also decrease your revolving credit lines or your credit diversity. This can also impact your credit history and can be a factor when applying for other lines of credit.

How To Close Your American Express Card

There are three ways you can close your American Express credit card: online, over the phone or through the mail.


To close your American Express credit card online, follow these steps:

  1. Open the American Express website.
  2. Log into your account.
  3. Open the "Chat" to speak to a customer service representative.
  4. Give the chat representative your name, card number and let that person know you want to close your account. The representative will assist you in closing your American Express credit card.

Over the Phone

Calling American Express is the preferred method. You can contact customer service here to close the account.

Via Mail

You can also send a letter to American Express at the address listed on the back of your paper statement (or listed on the American Express website). Include the following:

  1. Date of the request
  2. Your full name, address and phone number
  3. Credit card/account number
  4. Official request to close the account
  5. Request for a refund of annual fees (if you close the account within 30 days of the annual fees being charged to your account).
  6. Include that you wish American Express to notify the credit reporting agencies that the card was closed at the request of the cardholder.

Other Points To Remember

There are some other things to remember when you close your American Express credit card:

  1. If you are a rewards member, you will lose all your accrued rewards points unless you have another American Express card you transfer them to, or cash them out before closing the card.
  2. Your credit score may dip a few points initially; however, it will bounce back in a few months.

Closing your American Express credit card can help you take greater control of your finances and reduce your overall indebtedness. For more information or support, contact American Express customer support here.

Why Did GetHuman Write "How Do I Close My American Express Credit Card?"?

After thousands of American Express customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Close My American Express Credit Card? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting American Express if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for American Express Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like American Express in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Close My American Express Credit Card? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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