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How to cancel an American Express credit card without calling

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This provider makes it easy to cancel your credit card without calling.

Many credit issuers make it hard to cancel your credit card, but American Express doesn’t. If you’re determined to close your account, make sure you don’t have any outstanding balances. Otherwise, they may get listed as default and can hurt your credit score.

If for some reason you can’t pay off your balance now, you could consider transferring it to another card to pay off later for a lower APR. Also, use or transfer your rewards or you’ll lose them once you cancel the card.

How to cancel your American Express credit card

Most banks prefer that you call to cancel your card so they have an opportunity to try and persuade you to remain their client. Sometimes this can be a good bargaining tactic for getting offers like a lower APR or other perks and bonuses. If you do get an irresistible offer, you can consider closing another card.

Whether you’re losing your account online, by calling or mail, be sure to have your credit card and bill for account information. You’ll need to provide a reason for canceling. A simple “I don’t want the card anymore” works.

Calling

Call the number on the back of your card and ask to speak to a representative. If you don’t have your card on hand, call customer service at 800-528-4800. Write the name and ID number of the representative in case you have to reference it later.

Online

  1. Go to the Amex website.
  2. Log in to your online account.
  3. Find the live chat icon in the lower left-hand corner of your screen.
  4. Click Chat to start talking to a customer service representative.
  5. Once connected, let them know you want to cancel your credit card.

Mail

If you’d prefer to mail in a letter to cancel your Amex credit card, your letter should include your reason for canceling, account name and number along with your contact information. Also, ask that they notify the credit bureaus that you have closed this account. The letter should be mailed to:

American Express
PO Box 981535
El Paso, TX 79998-1535

Will canceling my American Express credit card affect my credit score?

Yes, canceling your American Express credit card will affect your credit score. That’s why you should be strategic with your timing. If you plan to apply for a loan, wait until you’re approved before you cancel your card.

But if you generally have a good credit score and low utilization, closing your card will have a minimal impact.

What happens after I’ve canceled my American Express credit card.

Sometimes an error may occur and you could be stuck with an open account, thinking it was closed. To avoid paying unnecessary fees and complicating things further, write a cancelation letter. The letter should include:

  • Your name and address.
  • Credit card number.
  • Date of cancelation and the name and ID of the representative who assisted you.
  • Request for an account closure confirmation letter.

You can send your letter to:

American Express, Electronic Funds Services,
P.O. Box 981531
El Paso, TX 79998-1531

How do I get my annual fee back?

If you’re paying an annual fee for your card, you may get a refund. Notify American Express within 30 days of the closing date of the billing statement. If you cancel after 30 days, or if your mailing address is in Massachusetts, you won’t get a refund.

Looking for a new card?

When you close your credit card, you may want to open a new one. This can positively affect your credit score, as your new credit limit will lower your overall utilization levels. In the comparison table below, you’ll find a variety of cards to meet your unique needs. Just make sure you don’t apply too many cards, or you could damage your credit score.
Blue Cash Preferred® Card from American Express vs Amex EveryDay® Preferred Credit Card

Compare top credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
18.24% to 25.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$450
19.24% to 26.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)

N/A

Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.24% variable
0% for the first 15 billing cycles (then 14.24% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
18.24%, 22.24% or 25.24% variable
0% for the first 12 billing cycles (then 18.24%, 22.24% or 25.24% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$95
17.99% to 26.99% variable

N/A

Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.24%, 17.24% or 21.24% variable
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
A 18 months 0%% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
$495
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Earn 1x points when redeemed for airfare through the Luxury rewards program.
$75 annual fee for the first year ($48 thereafter)
See terms*

N/A

The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
$0 to $99
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases.
Up to
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
$0 to $99
19.99% to 25.99% variable

N/A

Get 2x cash back rewards at the NASCAR.com Superstore.
$0 to $99
23.9% fixed

N/A

The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$48
9.99% fixed

N/A

This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$35
19.14% variable

N/A

A secured Visa® credit card that helps you build your credit quickly.
$39
14.49% variable

N/A

No minimum credit score and no credit history required.
$49
10.49% variable

N/A

Build or rebuild your credit with this secured card.

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Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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