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American Express National Bank

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American Express National Bank Rates & Review September 2026

Item: American Express National Bank
Rating: 5
Author: Tom B.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

American Express National Bank's Credit Card Rates are at 17.99%. MonitorBankRates evaluates the financial stability of American Express National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.68%. Rates last updated and verified on 09/23/2026.

American Express National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Express National Bank? Share your experience about American Express National Bank by leaving a review below, or read customer reviews before you decide to use American Express National Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.68%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

American Express National Bank

115 W Towne Ridge Pkwy
Sandy, UT 84070

https://www.americanexpress.com

American Express National Bank Credit Card Rates

Product	Rate	APR
gold Credit Card	-	17.99%
Details Published APR range: 17.99% - 28.74%. Annual Fee: $375 Annual Fee; New Card Member Offer: AS HIGH AS 200,000 Membership Rewards Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Here's how it works: Apply and find out your offer amount Continue to see if you're approved If approved, accept the Card with your offer Spend $15,000 in 3 months Receive the points Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
platinum Credit Card	-	17.99%
Details Published APR range: 17.99% - 28.74%. Annual Fee: $895 Annual Fee; New Card Member Offer: AS HIGH AS 300,000 Membership Rewards Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Here's how it works: Apply and find out your offer amount Continue to see if you're approved If approved, accept the Card with your offer Spend $20,000 in 3 months Receive the points Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

American Express National Bank’s Texas Ratio stayed near 5.49% in Q3 2023 to 5.68% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$213.9B	5.68%	5.0	A+
March 31, 2026	$217.6B	6.47%	5.0	A
December 31, 2025	$211.3B	6.37%	5.0	A
September 30, 2025	$211.1B	6.68%	5.0	A
June 30, 2025	$211.7B	6.18%	5.0	A
March 31, 2025	$203.4B	5.82%	5.0	A+
December 31, 2024	$193.1B	6.38%	5.0	A
September 30, 2024	$192.2B	5.97%	5.0	A+
June 30, 2024	$192.3B	5.78%	5.0	A+
March 31, 2024	$189.5B	6.36%	5.0	A
December 31, 2023	$180.4B	5.80%	5.0	A+
September 30, 2023	$174.8B	5.49%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for American Express National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather American Express National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with American Express National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name American Express National Bank

Bank Holding Company AMERICAN EXPRESS CO

Address 115 W Towne Ridge Pkwy, Sandy, UT 84070 · Salt Lake

Website https://www.americanexpress.com

FDIC Certificate # 27471

Established 19890320

FDIC Insurance Date 19890320

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.68%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.6962%

Return on Equity (ROE) 41.5600%

Non-Performing Loans (NPL) 0.51%

Total Assets $213,946,192,000

Total Deposits $171,554,868,000

Equity Capital $19,154,483,000

Net Income $3,959,779,000

Headquarters Sandy

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

American Express National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/american-express-national-bank-rates-review-27471">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Tom B.

★★★★★

October 21, 2023

Easy to open the certificate of deposit online, great CD rate as well.

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Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for American Express National Bank

Frequently Asked Questions About American Express National Bank

How many branches does American Express National Bank operate?

American Express National Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, American Express National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, American Express National Bank provides members with tools to manage their accounts and build a solid financial history.

Does American Express National Bank offer online and mobile banking?

Most modern institutions like American Express National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americanexpress.com.