How to Cancel an American Express Credit Card

No doubt you will enjoy a lot of benefits with an American Express credit card. That doesn’t mean you will not want to cancel your card at some point. Perhaps you no longer use the card as frequently as you used to. It could also be that you don’t want to keep paying the annual fee charged on the card, which is way higher compared to similar cards.

You can cancel an American Express credit card in three main ways. These are mentioned and discussed in detail below:

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Ways to Cancel Your American Express Credit Card

Cancel an American Express Credit Card Online

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Canceling an American Express credit card online is a very simple, straightforward, and convenient process. You will have to follow the steps below:

Step 1. You need to open www.americanexpress.com and log in to your online account.
Step 2. Take a look at the account dashboards. There is a chat icon at the bottom of the page to the right. Click on it to get connected with a customer representative, live. It is this representative who will act on your request to cancel the credit card.

Step 3. As you chat with the representative, ask for the closure of your American Express card. They will ask for your name and credit card account number. Give it to them.

The alternative is to click ‘Help’ at the top of the page followed by ‘Start Live Chat’ or simply call the customer service number.

Cancel an American Express Credit Card by Phone

3 american express cards on pillars denoted by height indicating the best one. From left to right, blue american express card on the lowest pillar, silver american express card on the highest pillar, and gold american express card on the medium pillar.

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Why spend time going online when you can simply dial the telephone number on the back of your card?

If you don’t have it, go to www.americanexpress.com and you will find the customer service number.

If any of these don’t work, get the numbers below:

1. Personal cards: 1-800-528-4800

2. Small business: 1-800-492-3344

3. Corporate cards: 1-800-528-2122

In case you want to ask a customer service representative for a retention offer or a waiver or reduction of the annual fee, provide your account number and hold.

If not, follow the system prompts to go ahead and cancel your card. If you still want to go through with the cancellation, you will be asked to respond with a ‘yes’. After reading a disclosure statement, the system will close your card.

Credit Card Cancellation by Mail

The American Express mailing address is found on the back of the latest account statement. Be careful that you do not send a cancellation message to the payment address. The mailing address is also available on the website or as shown below:

Personal and Small Business Cards:
American Express
P.O Box 981535
El Paso, TX 79998-1535

Corporate Cards:
American Express
P.O Box 981531
El Paso, TX 79998-1531

In the letter, you can provide your name, address, city, state zip. In the message, provide your name as it appears on the card and the card number. State the date when you wish the card cancellation to take effect.

Bottom Line

No matter the method you have used, sit back and wait for a cancellation confirmation message from American Express, which will be sent to you through the mail. If it doesn’t come quickly, send a follow-up message.