Also searched as Amex.
Skip the hold. Haggle calls American Express for you.
It says it is an AI assistant, waits on hold, and asks for a late fee refund or a lower rate. You join only to verify it is you, and you pay only if American Express says yes.
These are the numbers American Express publishes on its own site. Use the one on the back of your card if it differs.
| What it is for | Number | Hours |
|---|---|---|
| Card member customer service | 1-800-528-4800 | 24/7 |
| Make a payment | 1-800-472-9297 | 24/7 |
| Small business cards customer service | 1-800-492-3344 | 24/7 |
Checked Nov 15, 2026 on americanexpress.com
How to reach a person
We have not recorded the American Express phone menu yet. Haggle will publish it once its own calls do. If the menu does not offer a person, saying "representative" usually moves you along.
How long you wait
Our estimate until our own calls measure it: 4 min (Estimate).
Your card and statement
The card number, your balance, your APR and any late fee, all printed on your latest statement.
A way to verify it is you
Banks usually check details such as your billing ZIP code or date of birth. Never share a full card number or password with anyone who calls you.
One clear ask
A refund of a named fee, or a specific lower rate. Write down any terms the agent offers and read them back.
Fill in the brackets with what is true for you. Do not add a reason you do not have: a short, honest ask works.
If you missed a payment
Hi, I'm calling about my American Express card ending in [last 4 digits].
I missed the payment due on [date] and paid it on [date].
I've been a customer for [years] and I'd like to ask for the late fee to be refunded as a courtesy.
If they say no, ask once whether a supervisor or the retention team can look at it.
If your rate is too high
Hi, I'm calling about the interest rate on my American Express card ending in [last 4 digits].
My APR is [current APR]. I'd like to keep using this card, and I'm asking whether you can lower my rate.
Does a lower rate need a hard credit check?
If they offer a cut, ask for the new APR and when it starts, and read it back before you hang up.
Why it is worth asking: 92% (LendingTree survey, via FOX 5 NY) of people who asked got a late fee waived, and 84% (LendingTree survey, via KKTV) of those who asked for a lower rate got one.
American Express's official site lists 1-800-528-4800 (Card member customer service). (americanexpress.com)
American Express's official site lists these hours for that line: 24/7. (americanexpress.com)
We have not recorded the American Express phone menu yet. Have your card in hand, and say "representative" if the menu does not offer a person. Haggle can wait on hold for you and bring you in when a person picks up.
Often, yes. Across issuers, 92% (LendingTree survey, via FOX 5 NY) of people who asked to have a late fee waived got it. For Amex, we estimate 95% (Estimate) of requests are granted.
Yes, and it usually works. 84% (LendingTree survey, via KKTV) of cardholders who asked for a lower rate got one, and the average cut was 6.3 pts (LendingTree survey, via KKTV).
No. Haggle is not affiliated with American Express. We list American Express's own published numbers and link to the page we read them from.
More on Amex: late fees, refunds and rate cuts at American Express, how to ask Amex for a lower APR.
Read how to get a late fee back and how to ask for a lower APR, or see what a lower rate would save you. Other issuers: Amazon, Apple Card, Bank of America, Barclays, Best Buy, Capital One, Chase, Citi, Costco, Discover, Kohl's, Lowe's, Macy's, Navy Federal Credit Union, PayPal, PNC, Synchrony, Target, U.S. Bank.
Haggle is not affiliated with American Express. The numbers above are American Express's own, read from its site on the date shown.
