Account check
Confirm every affected American Express account
The process can involve cards, personal loans, other debt, or an account question. List only the account identifiers the bank requests through the chosen route.
American Express National Bank
American Express
Quick answer
American Express SCRA overview
American Express provides information about the possible federal 6% cap for qualifying pre-service cards and loans. We have not confirmed a lower rate offered by the bank.
Federal protections are separate from any additional benefit offered by a bank.
Request-process guide
American Express publishes four ways to reach its SCRA process.
The reviewed material supports a strong route and document guide. It does not support claiming a separate American Express rate or fee enhancement beyond what the bank confirms for the account.
Online path
Authenticated Document Center
The card must be enrolled in Online Services. Orders First provides a handoff only and never collects American Express credentials.
Paper path
Mail or fax active-duty evidence
American Express asks for documents establishing active-duty status; the fax instructions also call for the applicable account numbers.
Questions
Dedicated domestic and collect-call numbers
The published phone line is for help with the process. It is not described as a place to transmit documents.
Federal SCRA rule
Start with when the debt began.
Federal SCRA interest relief generally concerns qualifying debt from before military service. A bank's extra benefit can be broader or more generous, but it does not replace the federal eligibility test.
Open credit cards & borrowingContact American Express
Choose the option that matches what you need.
Each option says exactly what the bank confirms it can do.
Fax
623-444-3000
Fax an SCRA request and supporting documents. Include each applicable account number.
- Use for
- Credit cards, Personal loans, Other loans and lines
- What the bank asks for
- Documents establishing active-duty status
- Applicable account number or numbers
Mail an SCRA request and copies of active-duty documents.
- Use for
- Credit cards, Personal loans, Other loans and lines
- What the bank asks for
- Documents establishing active-duty status
Phone
1-866-391-1460; outside the United States collect at 1-336-393-1111
Main line is listed as available daily from 7 a.m.-11:30 p.m. ET.
- Use for
- Credit cards, Personal loans, Other loans and lines
Secure portal
American Express Online Services and Document Center
Sign in to American Express and open the Document Center. Never share your login information.
- Use for
- Credit cards, Personal loans, Other loans and lines
- What the bank asks for
- Relevant active-duty documentation when requested
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