Item 8.01 Other Events. OnNovember 1, 2021 ,American Express Company (the "Company") announced that it is commencing an exchange offer (the "Exchange Offer") pursuant to which it is offering to issue its new senior notes (the "AXP Notes") in exchange for any and all of the$2 billion aggregate principal amount of the outstanding 3.300% Senior Notes dueMay 3, 2027 (the "Credco Notes") issued byAmerican Express Credit Corporation ("Credco"), a wholly-owned subsidiary of the Company. Concurrently with the Exchange Offer, Credco is soliciting consents (the "Consent Solicitation") to adopt certain proposed amendments to the indenture under which the Credco Notes were issued (the "Credco Indenture") that would, among other things, eliminate certain of the covenants and events of default in the Credco Indenture (including the reporting covenant). Documents relating to the Exchange Offer and Consent Solicitation will only be distributed to eligible holders of the Credco Notes who complete and return an eligibility form confirming that they are either a "qualified institutional buyer" under Rule 144A under the Securities Act of 1933, as amended (the "Securities Act"), or outsidethe United States , not a "U.S. person" within the meaning of Regulation S under the Securities Act and a Non-U.S. qualified offeree (as defined in the offering memorandum and consent solicitation statement datedNovember 1, 2021 relating to the Exchange Offer and Consent Solicitation), and, in either case, not located in or a resident ofCanada . A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. Cautionary Note Regarding Forward-Looking Statements This Current Report on Form 8-K includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are subject to risks and uncertainties. The forward-looking statements, which address the Exchange Offer and Consent Solicitation contain words such as "expect," "anticipate," "intend," "plan," "aim," "will," "may," "should," "could," "would," "likely" and similar expressions. Actual results may differ from those set forth in the forward-looking statements due to a variety of factors, including market conditions, the satisfaction of the conditions described in the offering memorandum and consent solicitation statement datedNovember 1, 2021 and those contained in the Company's Annual Report on Form 10-K for the year endedDecember 31, 2020 , the Company's Quarterly Report on Form 10-Q for the quarter endedSeptember 30, 2021 and the Company's other filings with theSecurities and Exchange Commission . Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. The Company undertakes no obligation to update or revise any forward-looking statements. Important Information for Investors and Stockholders This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful. -2-
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Item 9.01 Financial Statements and Exhibits. (d) Exhibits Exhibit Description 99.1 Press Release dated November 1 , 2021 104 The cover page of this Current Report on Form 8-K, formatted as inline XBRL -3-
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