# EDGAR Filing Document

**Accession Number:** 0000004962
**File Stem:** 0000004962-26-000270
**Filing Date:** 2026-6
**Character Count:** 10645
**Document Hash:** 3fd97022f568ef9413d7725b98b6c837
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000004962-26-000270.hdr.sgml**: 20260617

**ACCESSION NUMBER**: 0000004962-26-000270

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260617

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260617

**DATE AS OF CHANGE**: 20260617

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMERICAN EXPRESS CO
- **CENTRAL INDEX KEY:** 0000004962
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 134922250
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-07657
- **FILM NUMBER:** 261097388

**BUSINESS ADDRESS:**
- **STREET 1:** 200 VESEY STREET
- **STREET 2:** 50TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10285
- **BUSINESS PHONE:** 2126402000

**MAIL ADDRESS:**
- **STREET 1:** 200 VESEY STREET
- **STREET 2:** 50TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10285

?xml version='1.0' encoding='ASCII'? axp-20260617

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): June 17, 2026**

**AMERICAN EXPRESS COMPANY**

(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| New York | 1-7657 | 13-4922250 |
| **(State or other jurisdiction of incorporation)** | **(Commission File Number)** | **(IRS Employer Identification No.)** |

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200 Vesey Street,

New York, New York 10285

**(Address of principal executive offices and zip code)**

(212) 640-2000

**(Registrant's telephone number, including area code)**

---

| |
|:---|
| Not Applicable |
| **(Former name or former address, if changed since last report)** |

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **<u>Title of each class</u>** | **<u>Trading Symbol(s)</u>** | **<u>Name of each exchange on which registered</u>** |
| Common Shares (par value $0.20 per Share) | AXP | New York Stock Exchange |
| 3.433% Fixed-to-Floating Rate Notes due May 20, 2032 | AXP32 | New York Stock Exchange |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 8.01 Other Events.**

Exhibits are filed herewith in connection with the issuance by American Express Company (the "Company"), on June 17, 2026, of €750,000,000 aggregate principal amount of 3.835% Fixed-to-Floating Rate Notes due June 16, 2034 (the "Notes") pursuant to a Prospectus Supplement dated June 10, 2026 to the Prospectus dated February 9, 2024, filed as part of the Company's Registration Statement on Form S-3 (No. 333-276975). The Notes were issued under a senior indenture, dated as of August 1, 2007, between the Company and The Bank of New York Mellon, as trustee (the "Trustee"), as supplemented by the first supplemental indenture thereto, dated as of February 12, 2021, and the second supplemental indenture thereto, dated as of May 1, 2023, each between the Company and the Trustee.

**Item 9.01 Financial Statements and Exhibits**

(d) Exhibits:

The following exhibits are incorporated by reference into the Registration Statement as exhibits thereto and are filed as part of this Current Report:

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| | |
|:---|:---|
| **Exhibit** | **Description** |
| 5 | <u>[Opinion and Consent of Cleary Gottlieb Steen & Hamilton LLP](exhibit5june172026renoteso.htm)</u> |
| 23 | <u>[Consent of Counsel (included in Exhibit 5)](exhibit5june172026renoteso.htm)</u> |
| 104 | The cover page of this Current Report on Form 8-K, formatted as inline XBRL. |

---

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | |
|:---|:---|
| AMERICAN EXPRESS COMPANY | AMERICAN EXPRESS COMPANY |
| (REGISTRANT) | (REGISTRANT) |
| By: | /s/ James J. Killerlane III |
|  | Name: James J. Killerlane III |
|  | Title:&nbsp;&nbsp;&nbsp;&nbsp;Corporate Secretary |

---

Date: June 17, 2026

## Ex-5

Cleary Gottlieb Steen & Hamilton LLP or an affiliated entity has an office in each of the locations listed above.

**Exhibit 5**

![cgshletterheadv2.jpg](cgshletterheadv2.jpg)

June 17, 2026

American Express Company

200 Vesey Street

New York, New York 10285

Ladies and Gentlemen:

We have acted as special counsel to American Express Company, a New York

corporation (the "Company"), in connection with its offering pursuant to a registration statement

on Form S-3 (No. 333-276975) of €750,000,000 aggregate principal amount of the Company's

3.835% Fixed-to-Floating Rate Notes due June 16, 2034 (the "Securities"). Such registration

statement, as amended as of its most recent effective date (June 10, 2026), insofar as it relates to

the Securities (as determined for purposes of Rule 430B(f)(2) under the Securities Act of 1933,

as amended (the "Securities Act")), is herein called the "Registration Statement," and the related

prospectus, dated February 9, 2024, as supplemented by the prospectus supplement thereto, dated

June 10, 2026, is herein called the "Prospectus." The Securities were issued under a senior

indenture, dated as of August 1, 2007 (the "Base Indenture"), between the Company and The

Bank of New York Mellon, as trustee (the "Trustee"), as supplemented by the first supplemental

indenture thereto dated as of February 12, 2021 (the "First Supplemental Indenture") and by the

second supplemental indenture thereto dated as of May 1, 2023 (the "Second Supplemental

Indenture" and the Base Indenture as supplemented by the First Supplemental Indenture and the

Second Supplemental Indenture, the "Indenture"), each between the Company and the Trustee.

In arriving at the opinions expressed below, we have reviewed the following

documents:

(a)an executed copy of the terms agreement, dated June 10, 2026, between the

Company and the several underwriters named in Schedule I thereto, and the

American Express Company – Debt Securities – Underwriting Agreement

Basic Provisions incorporated by reference therein;

(b)the Registration Statement;

(c)the Prospectus;

(d)an executed copy of the Indenture; and

American Express Company, p. 2

(e)a copy of the Securities in global form as executed by the Company and

authenticated by the Trustee.

In addition, we have reviewed the originals or copies certified or otherwise

identified to our satisfaction of all such corporate records of the Company and such other

documents, and we have made such investigations of law, as we have deemed appropriate as a

basis for the opinion expressed below.

In rendering the opinion expressed below, we have assumed the authenticity of all

documents submitted to us as originals and the conformity to the originals of all documents

submitted to us as copies. In addition, we have assumed and have not verified the accuracy as to

factual matters of each document we have reviewed.

Based on the foregoing, and subject to the further assumptions and qualifications

set forth below, it is our opinion that the Securities have been validly issued by the Company and

are the valid, binding and enforceable obligations of the Company, entitled to the benefits of the

Indenture.

Insofar as the foregoing opinion relates to the validity, binding effect or

enforceability of any agreement or obligation of the Company, (a) we have assumed that the

Company and each other party to such agreement or obligation has satisfied those legal

requirements that are applicable to it to the extent necessary to make such agreement or

obligation enforceable against it (except that no such assumption is made as to the Company

regarding matters of the law of the State of New York) and (b) such opinion is subject to

applicable bankruptcy, insolvency and similar laws affecting creditors' rights generally and to

general principles of equity.

We note that by statute, the law of the State of New York provides that a

judgment or decree rendered in a currency other than the currency of the United States shall be

converted into U.S. dollars at the rate of exchange prevailing on the date of entry of the judgment

or decree. There is no corresponding Federal statute and no controlling Federal court decision on

this issue. Accordingly, we express no opinion as to whether a Federal court would award a

judgment in a currency other than U.S. dollars or, if it did so, whether it would order conversion

of the judgment into U.S. dollars.

The foregoing opinion is limited to the law of the State of New York.

We hereby consent to the filing of this opinion as an exhibit to the Company's

Current Report on Form 8-K dated June 17, 2026 and to the use of our name under the caption

"Legal Matters" in the Registration Statement and the Prospectus. In giving such consent, we do

not thereby admit that we are within the category of persons whose consent is required under

Section 7 of the Securities Act or the rules and regulations of the Securities and Exchange

Commission thereunder.

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| | |
|:---|:---|
| Very truly yours, | Very truly yours, |
| CLEARY GOTTLIEB STEEN & HAMILTON LLP | CLEARY GOTTLIEB STEEN & HAMILTON LLP |
| By | /s/ Francesca L. Odell |
|  | Francesca L. Odell, a Partner |

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