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Amex Express Checkout: What is it and how does it work?

Pay at participating retailers with your Amex login.

If you’re tired of inputting details such as your card number and shipping address each time you checkout online, Amex Express Checkout can help. It lets you pay for your purchase simply by logging in with your Amex credentials at eligible retailers.

What is Amex Express Checkout?

Amex Express Checkout is a payment option that lets you make purchases at certain online retailers with your American Express login. Unlike with competitors Visa Checkout and Masterpass, this feature works only with Amex cards.

The service was introduced in 2015, after Masterpass in 2013 and Visa Checkout in 2014.

Why use Amex Express Checkout?

  • Convenience. When you use Amex Express Checkout, you don’t have to enter your credit card details. You also don’t have to enter your shipping or billing address. This information is completed for you; all you have to do is verify the details on the screen and finish your purchase.
  • Security. Each time you use Amex Express Checkout, American Express creates a unique digital card number that’s valid only with the merchant. This lessens the chance potential hackers can steal your card info and use it elsewhere.

What are the fees to use Amex Express Checkout?

Amex Express Checkout is free to use. But according to Amex, you may be charged a fee from your phone carrier if you receive a one-time code through text message.

How Amex Express Checkout works

Here’s some information on how to get started with Amex Express Checkout and how to use it.

How do I sign up for Amex Express Checkout?

Amex Express Checkout itself doesn’t require you to sign up. Instead, all you need is an American Express online account, which you can create at the provider’s website with your card details and personal information.

What sets Amex Express Checkout apart?

Amex is more than simply a payment network — it also issues its own credit cards. This means it can offer an integrated checkout system, unlike its competitors.

With Visa Checkout and Masterpass, you must add your credit cards to the services first. Then you can use them for purchases at online retailers.

With Amex Express Checkout, you can skip the initial step. Your Amex credit cards are ready to use; you just have to log in to your Amex account while checking out at a participating retailer.

How to use Amex Express Checkout

  1. When you’re ready to check out, click the Amex Express Checkout button.
  2. Amex checkout button

  3. You’ll see an Amex Express Checkout popup. Enter your Amex user ID and password. Then, confirm your details and finalize your purchase.
  4. Amex checkout form

Compare credit cards to use with Amex Express Checkout

You might already have an Amex credit card, but there may be others that offer lucrative rewards for your spending. Here are a few Amex cards to compare.

1 - 3 of 16
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 15.49% to 25.49% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 15.49% to 25.49% variable)
Earn a $350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
American Express® Gold Card
4x Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x on flights booked directly with airlines or on
See Pay Over Time APR

Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees

Compare up to 4 providers

Bottom line

Amex Express Checkout can make it more convenient to check out at certain online retailers. After you’ve created your Amex online account, you’ll have access to the service.

There are a variety of cards that work with this feature. Compare Amex Express eligible credit cards to find the best one for you.

Frequently asked questions

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