美国运通美股招股说明书(2025-05-13版)

PROSPECTUS SUPPLEMENT(To Prospectus Dated February9, 2024) €American Express Company%Fixed-to-FloatingRate Notes due , 20 We are offering €principal amount of our%fixed-to-floatingrate notes due , 20, or the notes. We will pay interest on the notes (i)from, and including,, 2025, to, but excluding,, 20at a rateper annum equal to%, payable annually in arrears onof each year, beginning, 2026 and ending on, 20, and (ii)from, and including,, 20to, but excluding, the maturity date at a rate per annumequal to three-month EURIBOR (as defined on pageS-15of this prospectus supplement) plus%, payable quarterly in arrearson,,and, beginning, 20and ending on the maturity date. The notes will matureon, 20. We may redeem the notes (i)in whole or in part on or after, 20and prior to, 20, (ii) in wholebut not in part on, 20, (iii) in whole or in part during theperiod prior to the maturity date or (iv)inwhole but not in part upon the occurrence of a Tax Event (as defined on pageS-19of this prospectus supplement), in each caseat the applicable redemption price described under “Description of Notes” below. The notes will be our senior unsecuredobligations and will rank prior to all of our present and future subordinated indebtedness and on an equal basis with all of ourother present and future senior unsecured indebtedness. Currently there is no public market for the notes. We intend to apply to list the notes on the New York Stock Exchange(“NYSE”). The listing application will be subject to approval by the NYSE. We expect trading in the notes on the NYSE tobegin within 30 days after the original issue date. If such a listing is obtained, we have no obligation to maintain such listing andwe may delist the notes at any time. We will only issue the notes in book-entry form through a common depositary of Clearstream Banking S.A.(“Clearstream”) and Euroclear Bank SA/NV, as operator of the Euroclear system (“Euroclear” and, together with Clearstream,the “clearing systems”). Except as described in this prospectus supplement, we will not issue notes in definitive form. The underwriters are offering the notes for sale in those jurisdictions both inside and outside the United States where it islawful to make such offers. Investing in the notes involves risks. You should carefully consider the information under “Risk Factors” beginningon pageS-7of this prospectus supplement, on page3of the accompanying prospectus and in ourAnnual Report onForm10-Kfor the year ended December31, 2024and ourQuarterly Report on Form 10-Q for the quarter ended March31, 2025incorporated herein by reference. The notes are not deposits or savings accounts. The notes are not insured or guaranteed by the Federal DepositInsurance Corporation (“FDIC”) or by any other governmental agency or instrumentality. PricetoPublic(1)UnderwritingDiscountProceedstotheCompany(1)(2)Per note%%%Total for notes€€€ The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectussupplement and the accompanying prospectus are not an offer to sell these securities and are not soliciting an offer to buy thesesecurities in any state where the offer or sale is not permitted.(1)Plus accrued interest, if any, from, 2025 to the date of delivery.(2)Before offering expenses.Delivery of the notes will be made on or about, 2025. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapprovedof these securities or determined if this prospectus supplement or the accompanying prospectus is truthful or complete.Any representation to the contrary is a criminal offense. Joint Book-Running Managers Morgan Stanley Barclays Table of Contents TABLE OF CONTENTS Prospectus Supplement StabilizationNotice to Prospective Investors in the European Economic AreaNotice to Prospective Investors in the United KingdomAbout This Prospectus SupplementSummaryRisk FactorCautionary Statement Regarding Forward-Looking InformationUse of ProceedsDescription of NotesCertain U.S. Federal Income Tax ConsequencesUnderwritingWhere You Can Find More InformationIncorporation of Certain Documents by ReferenceLegal MattersExperts Prospectus About This ProspectusWhere You Can Find More InformationIncorporation of Certain Documents by ReferenceForward-Looking Statements The CompanySummary of the Securities We May OfferRisk FactorsUse of Proceeds Table of Contents STABILIZATION IN CONNECTION WITH THE OFFERING OF THE NOTES, BARCLAYS BANK PLC (THE “STABILIZING MANAGER”) (OR PERSONSACTING ON ITS BEHALF) MAY OVER-ALLOT NOTES OR EFFECT TRANSACTIONS WHICH STABILIZE OR MAINTAIN THE MARKETPRICE OF THE NOTES DURING THE STABILIZATION PERIOD AT LEVELS WHICH MIGHT NOT OTHERWISE PREVAIL. HOWEVER,STABILIZATION ACTION MAY NOT NECESSARILY OCCUR. ANY STABILIZATION ACTION MAY BEGIN ON OR AFTER THE DATE ONWHICH ADEQUATE PUBLIC DISCLOSURE OF THE TERMS OF THE OFFER OF THE NOTES IS MADE AND, IF BEGUN, MAY BE ENDEDAT ANY TIME, BUT I