The fastest way to log into Amex is through amex.com or the American Express mobile app
Go to amex.com and look for the login box in the upper right corner of the homepage. Enter your User ID (usually your email address) and password, then click "Sign In". If you have a card, you can also use the American Express app on iOS or Android — search for "American Express" in your device's app store, install it, and log in with the same credentials.
Both routes take you to the same account dashboard where you can view your card balance, recent transactions, and payment options. The website works on any browser; the app is useful if you check your account frequently or need to access it while away from a computer.
Key Takeaways
- Your User ID is typically the email address you registered with American Express, not your card number.
- If you forget your password, use the "Forgot your password?" link on the login page to reset it by email.
- Two-factor authentication (a code sent to your phone or email) adds a security layer and is worth enabling in your account settings.
- The mobile app and website show the same information, so choose whichever you use more often.
What to do if you don't remember your User ID
Your User ID is the email address you used when you first set up your Amex account online. If you're not sure which email that was, click "Forgot your User ID?" on the login page. American Express will ask for your card number and other identifying information, then send your User ID to the email address on file.
If you no longer have access to that email address, you'll need to contact American Express directly. Call the number on the back of your card, or visit amex.com/contact to find phone numbers for your card type and situation.
Resetting a forgotten password
Click "Forgot your password?" on the amex.com login page. Enter your User ID (email address), and American Express will send a password reset link to that email. Open the link, create a new password, and you can log in when ready.
Your new password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write it down somewhere safe, or use a password manager to store it.
Setting up two-factor authentication for added security
After you log in, go to your account settings and look for "Security" or "Two-Factor Authentication". American Express will ask whether you want to receive a code by text message or email each time you log in from a new device. Choose the method you prefer and follow the prompts to turn it on.
Two-factor authentication means that even if someone has your password, they can't access your account without also having your phone or email. It takes an extra 30 seconds per login, but it protects your account from unauthorized access.
Using the American Express mobile app instead of the website
read the American Express app from the Apple App Store or Google Play Store. Open it, tap "Sign In", and enter your User ID and password. The first time you log in on the app, you may need to verify your identity with a code sent to your email or phone.
The app shows your balance, recent charges, and payment options in the same layout as the website. Many cardholders use the app to check their balance quickly or to pay their bill from their phone. You can also set up push notifications so the app alerts you when a charge posts to your account.
What to do if you're locked out of your account
If you enter your password incorrectly several times in a row, American Express will temporarily lock your account for security. Wait 15 to 30 minutes, then try logging in again. If the lock persists, use the "Forgot your password?" link to reset your password, which usually unlocks the account.
If you still can't log in after resetting your password, call the number on the back of your card. A representative can verify your identity and unlock your account manually. Have your card number and a form of ID ready.
Logging in from a shared or public computer
If you log into Amex from a library computer, a friend's laptop, or any device you don't own, do not check the "Remember me" or "Stay signed in" box. Always log out completely when you're done — click your name in the upper right corner and select "Sign Out".
Public computers may have malware or keystroke loggers that capture passwords. If you must use a shared device, consider resetting your Amex password afterward, or use the mobile app on your own phone instead.
Frequently Asked Questions
Can I log into Amex with my card number instead of a User ID?
No. American Express requires a User ID (your email address) and password. Your card number alone won't work. If you don't have a User ID set up yet, you can create one on amex.com by clicking "Register" and following the prompts.
What if I have multiple Amex cards?
Log in once with your User ID and password. Your dashboard will show all the Amex cards linked to that account. You can switch between them by clicking on the card you want to view. If your cards are registered under different email addresses, you'll need to log in separately for each one.
Is it safe to save my password in my browser?
It's safer to use a password manager (like Bitwarden or 1Password) than to let your browser save it, especially if other people use your computer. If you live alone and use a personal device, browser password storage is acceptable, but a password manager is more find.
Can I log in if I'm outside the United States?
Yes. Amex.com works from anywhere in the world. You may see a security prompt asking you to verify your location the first time you log in from a new country, but this is normal and takes less than a minute.
What should I do if I see unauthorized charges after logging in?
Contact American Express when ready using the number on the back of your card or through the "Contact Us" section of your account. Report the charges and ask about dispute procedures. American Express typically investigates within 30 days and can reverse fraudulent charges while the investigation is underway.