# EDGAR Filing Document

**Accession Number:** 0000004962
**File Stem:** 0000004962-26-000094
**Filing Date:** 2026-2
**Character Count:** 12435
**Document Hash:** 8fdbaab3286bccdc8db8562a3af8a37d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000004962-26-000094.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0000004962-26-000094

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20260210

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**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:** 26615637

**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-20260210

**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): February 10, 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)**

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| |
|:---|
| 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 |

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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** |

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*<u>Senior Notes Offering</u>*

Exhibits are filed herewith in connection with the issuance by American Express Company (the "Company"), on February 10, 2026, of $1,350,000,000 aggregate principal amount of 4.009% Fixed-to-Floating Rate Notes due February 9, 2029, $1,000,000,000 aggregate principal amount of 4.456% Fixed-to-Floating Rate Notes due February 10, 2032 and $650,000,000 aggregate principal amount of Floating Rate Notes due February 9, 2029 (collectively, the "Senior Notes") pursuant to a Prospectus Supplement dated February 3, 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 Senior 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.

*<u>Subordinated Notes Offering</u>*

Exhibits are filed herewith in connection with the issuance by the Company, on February 10, 2026, of $500,000,000 aggregate principal amount of 5.412% Fixed-to-Fixed Rate Subordinated Notes due February 8, 2041 (the "Subordinated Notes") pursuant to a Prospectus Supplement dated February 3, 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 Subordinated Notes were issued under a subordinated indenture, dated as of August 1, 2007, between the Company and the Trustee, as supplemented by the second supplemental indenture thereto, dated as of May 26, 2022, and the fourth supplemental indenture thereto, dated as of February 9, 2024, each between the Company and the Trustee.

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| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits** |

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(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 Benjamin L. Kuder, Esq.](exhibit5notesfebruary20261.htm)</u> |
| 23 | <u>[Consent of Counsel (included in Exhibit 5)](exhibit5notesfebruary20261.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 |

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Date: February 10, 2026

## Ex-5

**Exhibit 5**

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| |
|:---|
| ![axplogoa.jpg](axplogoa.jpg) |
| &nbsp;&nbsp;&nbsp;**American Express Company** |
| &nbsp;&nbsp;&nbsp;&nbsp;General Counsel's Organization |
| &nbsp;&nbsp;&nbsp;&nbsp;200 Vesey Street |
| &nbsp;&nbsp;&nbsp;&nbsp;New York, NY 10285 |

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February 10, 2026

American Express Company

200 Vesey Street

New York, New York 10285

Ladies and Gentlemen:

I am Vice President and Senior Counsel of American Express Company (the "Company"), a New York corporation, and I have represented the Company in connection with the offering by the Company pursuant to a registration statement on Form S-3 (No. 333-276975) of (i) $1,350,000,000 aggregate principal amount of the Company's 4.009% Fixed-to-Floating Rate Notes due February 9, 2029, $1,000,000,000 aggregate principal amount of the Company's 4.456% Fixed-to-Floating Rate Notes due February 10, 2032 and $650,000,000 aggregate principal amount of the Company's Floating Rate Notes due February 9, 2029 (collectively, the "Senior Notes") and (ii) $500,000,000 aggregate principal amount of the Company's 5.412% Fixed-to-Fixed Rate Subordinated Notes due February 8, 2041 (the "Subordinated Notes" and, together with the Senior Notes, the "Notes"). The Senior Notes are being issued pursuant to 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 (as so supplemented, the "Senior Indenture"). The Subordinated Notes are being issued pursuant to a subordinated indenture dated as of August 1, 2007 between the Company and the Trustee, as supplemented by the second supplemental indenture thereto dated as of May 26, 2022 and the fourth supplemental indenture thereto dated as of February 9, 2024, each between the Company and the Trustee (as so supplemented, the "Subordinated Indenture").

I, or members of the staff of the General Counsel's Organization of the Company, have reviewed the originals, or copies certified or otherwise identified to our satisfaction, of such corporate records and documents relating to the Company and have made such other investigations of law and fact as we have deemed appropriate as the basis for the opinions expressed below. In such examination, 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, I have assumed the due authorization, execution, delivery and, where appropriate, authentication of the documents by all parties thereto other than the Company.

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American Express Company, page 2

I am admitted to the practice of law only in the State of New York and do not purport to be expert in the laws of any jurisdictions other than the federal law of the United States of America and the law of the State of New York.

Based on the foregoing, and subject to the further assumptions and qualifications set forth below, it is my opinion that:

The issuance and sale of the Notes have been authorized by the Company. The Notes have been duly executed and delivered by the Company and constitute valid and binding obligations of the Company, enforceable against the Company in accordance with their terms.

Insofar as the foregoing opinions relate to the validity, binding effect or enforceability of any agreement or obligation of the Company, (a) I have assumed that 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 federal law of the United States of America or the law of the State of New York), and (b) such opinions are subject to applicable bankruptcy, insolvency and similar laws affecting creditors' rights generally and to general principles of equity. The foregoing opinions are limited to the law of the State of New York.

As to certain factual matters, I have relied upon certificates of officers of the Company and certificates of public officials and other sources believed by me to be responsible; and I have assumed that each of the Senior Indenture and Subordinated Indenture has been duly authorized, executed and delivered by the Trustee, that the Trustee's certificates of authentication of the Notes have been signed by one of the Trustee's authorized officers, that the Notes have been delivered against payment as contemplated in the prospectus and the applicable prospectus supplement and that the signatures on all documents examined by me or members of the staff of the General Counsel's Organization of the Company are genuine (assumptions that I have not independently verified).

I hereby consent to the use of my name in each of the prospectus and the prospectus supplements constituting a part of the Registration Statement under the heading "Legal Matters," as counsel for the Company who has passed on the validity of the Notes, and to the use of this opinion as an exhibit to the Company's Current Report on Form 8-K, dated February 10, 2026, which will be incorporated by reference in the Registration Statement. In giving such consent, I do not thereby admit that I am within the category of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended, or the rules and regulations of the Securities and Exchange Commission thereunder.

[*Signature Page Follows*]

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American Express Company, page 3

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| |
|:---|
| Very truly yours, |
| /s/ Benjamin L. Kuder |
| Benjamin L. Kuder |
| Vice President and Senior Counsel |

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