Once your American Express arrives in your mail, your next step is to activate it. You can do this online, by phone or through the Amex mobile app. Whichever option you choose, the card activation process shouldn’t take more than a few minutes.
How to activate your American Express card online
American Express cards don’t require you to enroll in an Amex online banking service before activation. To activate:
Enter your credit card number and the four-digit ID on the back of the card.
Enter any requested personal information to verify your ID.
How to activate your American Express card by phone
Activate your card by phone in two steps:
Call the number on the back of your card or 800-869-3016.
Provide the required credit card and personal information, including your card and Social Security number.
How to activate your American Express card with a mobile app
Another option is to activate your American Express card using the Amex mobile app.
Download the Amex mobile app from Google Play or the App Store.
Tap to register for a new Online services account.
Scan your card or enter the card’s information manually.
Verify your identity.
How do I know if my American Express credit card is activated?
Check the status of your Amex card in your online account or in your mobile app.
When can I use my American Express credit card after activation?
You can use your Amex card immediately after you activate it.
Getting started with your American Express credit card
With your American Express credit card now active, you’ll want to know how to optimize your card and earn and redeem rewards for the highest value.
Download the mobile app. Simplify your account management with the Amex mobile app. Use the app to activate your new card, to monitor your account, make payments, track rewards or to activate Amex Offers.
Set up digital wallets. Amex supports multiple digital wallets, including Apple Pay, Google Pay, Samsung Pay and Fitbit Pay. Use digital wallets to safely pay in-store with your phone or smart watch.
Enroll in online banking. Visit Amex’s website to enroll in online banking. Use your card’s number and four-digit ID to enroll. Use your account to monitor your accounts, activate autopay, redeem rewards and more.
Set up a PIN. Your card is likely to already have a personal identification number (PIN), but in case you didn’t get one — or you want to reset your old one — use your online account or call 844-460-6656. Follow the instructions to set it up. ATMs require a PIN to make cash withdrawals. Also, if you often travel abroad, you’ll need a PIN because it’s typically required when you make credit card payments.
Set up autopay. You need an online account to set this one up. Once you log in to your online account, navigate to Payments and then Manage AutoPay.
Maximize rewards. If you got a rewards credit card, you’ll want to know how the Amex rewards program works and how to maximize your rewards. Check out our guides on how to earn Amex membership points and how to redeem Amex membership points to squeeze the highest value of your Amex rewards.
Setting up airline fee credit. If you have The Platinum Card® from American Express, you must set up an airline to use the airline fee credit. (Terms apply, see rates & fees). You can find this option under the Benefits section and choose one of nine options including American Airlines, Delta, United, Southwest and JetBlue.
Bottom line
American Express lets you activate your card online, by phone or with the Amex mobile app. If you’re in a hurry, go for the online activation method or through the app — your quickest option. And if you choose an additional credit card from a different issuer down the road, activating your new credit card should prove a similar process.
Hide
Sign up for the Finder newsletter
We know what the best deals in personal finance on the market are at all times, and now you will too.
Kliment Dukovski was a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. See full bio
Kliment's expertise
Kliment has written 86 Finder guides across topics including:
The Blue Cash Preferred is an excellent choice for families, as it offers great cash back on gas and groceries. Here’s what you should know about the card.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
