Change Your Amex Billing Address Online or by Phone

You can change your American Express billing address through your online account, the Amex mobile app, or by calling customer service. The online method is fastest — it takes about five minutes and the change usually takes effect within one business day. If you prefer to speak with someone, Amex customer service can update it over the phone in a single call.

Your billing address is where American Express sends your statements and where they verify your identity for fraud protection. Changing it does not affect your card number, expiration date, or rewards balance. If you have multiple Amex cards, you will need to update the address for each one separately if they are linked to different accounts.

Key Takeaways

  • Log into your Amex account online or open the mobile app, go to Account Settings, and update your address under Profile or Personal Information.
  • Changes made online typically take effect within one business day, though some merchants may see the old address briefly.
  • If you cannot access your online account, call the customer service number on the back of your card to update your address by phone.
  • Updating your billing address does not change your card number, expiration date, or account balance.
  • If you have multiple Amex cards on separate accounts, you must update the address for each account individually.

Update Your Address Through the Amex Website

Go to americanexpress.com and sign into your account using your username and password. Once you are logged in, look for Account Settings or Profile — the exact label depends on which version of the website you see, but it is usually in the top right corner or in a menu labeled with your name.

Click on Personal Information or Address Information. You will see your current billing address displayed. Delete the old address and type in your new one, including street, city, state, and ZIP code. Amex will ask you to confirm the change before it saves. Once you click Confirm or Save, the update is submitted.

Check your email for a confirmation message from American Express. This confirms the change was received. Your new address will be active for statements and fraud verification within one business day, though some online merchants may still see your old address for a few days while their systems sync.

Update Your Address Through the Amex Mobile App

Open the American Express app on your phone and sign in. Tap the menu icon (usually three horizontal lines) and look for Account Settings, Profile, or My Account. The exact wording varies by app version.

Select Personal Information or Address. Your current billing address will appear. Tap Edit or Update, clear the old address, and enter your new one. Confirm the change and wait for the confirmation message. Like the website method, this usually takes effect within one business day.

Change Your Address by Phone

If you do not have online access or prefer to speak with someone, call the customer service number on the back of your American Express card. Have your card number and a form of ID ready — Amex will verify your identity before making any changes.

Tell the representative you want to update your billing address. They will ask for your new address and confirm it back to you before saving the change. Ask them to note in your account that you have requested the update, so there is a record if any issue arises. The change takes effect the same day or the next business day.

What Happens to Automatic Payments and Subscriptions

Changing your billing address does not interrupt automatic payments or subscriptions charged to your Amex card. Your card number stays the same, so recurring charges continue without interruption. Merchants that have your card on file will continue to charge it normally.

However, if you are moving and have set up automatic payments to vendors using your address (not your card), you will need to update those separately. For example, if you have an automatic payment set up with your utility company and they charge based on your service address, you will need to contact them directly to change that address.

Update Your Address if You Cannot Access Your Account

If you have forgotten your password or cannot log into your Amex account, call customer service at the number on your card. They can verify your identity and update your address without requiring you to reset your password first. Have your card number, Social Security number, and date of birth ready.

If your card has been lost or stolen, call the same number when ready to report it. You can update your billing address during that same call. Amex will cancel the old card and send you a replacement with the updated address on file.

Changing Your Address for Multiple Amex Cards

If you have more than one American Express card, check whether they are on the same account or separate accounts. Cards on the same account share a billing address — changing it once updates all cards. Cards on separate accounts each have their own address, so you must update each one individually.

To find out, log into your Amex account and look at the cards listed. If they all appear under one login, they share an address. If you have to log out and log back in with a different username to see another card, that card is on a separate account and needs its own address update.

Frequently Asked Questions

How long does it take for my new address to show up on my statement?

Your new address will appear on your next statement, which is usually generated within one to two billing cycles. The address change itself takes effect within one business day, but printed statements are prepared in batches. If you need to confirm the change sooner, log into your account and check your profile — it will show the updated address when ready.

Will changing my billing address affect my credit score?

No. Updating your address is a routine account change and does not affect your credit score or credit report. Credit bureaus track your payment history and account activity, not address changes.

Can I have a different billing address and mailing address?

American Express uses one address for both billing and mailing purposes. If you want statements mailed to a different location than your billing address, call customer service to discuss your options — some account types may allow a separate mailing address, but this varies.

What if I moved internationally?

You can update your address to an international location through your online account or by calling customer service. Amex will accept addresses in most countries. Be aware that some features or card types may have restrictions for international addresses, so confirm with customer service that your card will remain active at your new location.

Do I need to update my address if I only moved within the same city?

Yes. Even a local move should be updated in your account so your billing address matches your actual location. This helps with fraud prevention and ensures your statements are mailed to the correct place. It takes only a few minutes to update.