American Express, also known as Amex, is one of the leading credit card providers globally. Their cards are known for premium perks, strong customer service, and a variety of travel, business, and reward programs. From the exclusive Platinum Card and Business Cards to the co-branded Hilton Honors American Express Card, users gain access to benefits like airport lounge access, cashback, and hotel rewards. However, not everyone needs to keep their Amex card forever.
In this guide, you’ll learn how to:
- Cancel your American Express card online, by phone, or through mail
- Understand the Amex cancellation policy
- Respond if your card was canceled without notice
- Explore alternatives to American Express
- Use helpful tools like a cancellation form and a live chat box
- Should You Cancel Your American Express Card?
- How to Cancel Amex Card Online via American Express Login
- How to Cancel Your American Express Card by Phone
- How to Cancel an American Express Card by Mail
- What Happens After You Cancel Your Amex Card?
- Can Amex Cancel Your Card Without Notice?
- Understanding the Amex Cancellation Policy
- How to Cancel an American Express Card Application
- Submit a Cancellation Request (Demo Form)
- Embedded Customer Support (Live Chat Placeholder)
- Frequently Asked Questions (FAQs)
- Alternatives to American Express Credit Cards
- Explore More Cancellation Guides on Besdot.com
Should You Cancel Your American Express Card?
Here are some common reasons cardholders cancel their Amex cards:
| Reason | Explanation |
|---|---|
| High annual fees | Especially on cards like the Platinum Amex |
| Inactivity | You don’t use it enough to justify keeping it |
| Switching providers | You may prefer rewards programs like Hilton Honors, Chase, or Citi |
| Too many cards | Simplifying finances or reducing risk of identity theft |
How to Cancel Amex Card Online via American Express Login
Canceling online is one of the easiest ways to close your card.
Steps to Cancel Online:
Go to the American Express login page.
Sign in using your credentials.
Find the Live Chat icon on the lower-right side of the dashboard.
Start a chat and ask to cancel your card.
Confirm your identity and get written proof of the cancellation.
This method works for Platinum, business, Hilton Honors, and other Amex cards.
How to Cancel Your American Express Card by Phone
Prefer a direct approach? Call American Express customer service.
| Detail | Information |
|---|---|
| Phone Number | 1-800-528-4800 |
| Availability | 24/7 for most card types |
| Requirements | Cardholder name, last 4 digits of card, address |
See official: Amex Contact Page
How to Cancel an American Express Card by Mail
If you want a physical paper trail, use the mail option.
Mail-in Steps:
- Write a formal letter requesting cancellation:
- Include your full name, the last 4 digits of your card, and reason.
- Mail it to the address listed on your latest card statement.
- Follow up online or by phone.
Verify mailing address: Amex Mailing Addresses
What Happens After You Cancel Your Amex Card?
| Outcome | What to Do Next |
|---|---|
| Card disabled | Cut or destroy it |
| Credit score | Might dip if it was your oldest or highest-limit card |
| Outstanding balance | Must still be paid after cancellation |
| Rewards | Use your Membership Rewards or Hilton Honors points before canceling |
Can Amex Cancel Your Card Without Notice?
Yes. American Express may cancel your card without notice for the following reasons:
- Late or missed payments
- Suspicious activity
- Long periods of inactivity
- Major changes in credit score
If this happens:
- Check your American Express login for alerts
- Call 1-800-528-4800 for clarification
- Check community forums like Cancel Amex card Reddit for similar user cases
Understanding the Amex Cancellation Policy
| Policy Area | Summary |
|---|---|
| Cancel anytime | Allowed via chat, phone, or mail |
| Refund on annual fee | Full or partial if canceled within 30 days of fee posting |
| 6-month rule | You may not be eligible for bonuses if you reapply within 6 months |
| Rewards | Must be redeemed before closing your account |
| Authorized users | Their access ends as soon as the primary account is closed |
Read more: Cardmember Agreements
How to Cancel an American Express Card Application
If you applied for a card but changed your mind:
- Before approval: Call 1-800-528-4800 and cancel the application.
- After approval: You can still cancel via chat or phone once you receive the card.
Submit a Cancellation Request (Demo Form)
⚠️ This form redirects to Amex official support — it doesn’t cancel your card directly.
Embedded Customer Support (Live Chat Placeholder)
💬 Start Live Chat with American ExpressFrequently Asked Questions (FAQs)
How do I cancel my American Express card online?
Log in at americanexpress.com, go to live chat, and request cancellation.
Can I cancel my American Express card anytime?
Yes. Amex allows you to cancel at any time, with no lock-in contract.
How hard is it to cancel an American Express card?
It’s easy through online chat, phone, or mail. Just ensure your balance is $0.
What is the 6-month rule for American Express?
You typically can’t reapply for the same card within 6 months and may lose the welcome bonus if you do.
How to cancel the American Express card application?
Call Amex support immediately before it’s processed, or cancel after receiving the card.
Alternatives to American Express Credit Cards
| Alternative Card | Features | Link |
|---|---|---|
| Chase Sapphire Preferred | Travel rewards, low annual fee | Chase |
| Capital One Venture Rewards | Flat 2x miles on all purchases | Capital One |
| Citi Double Cash Card | 2% cash back on everything | Citi |
| Discover it Cash Back | 5% rotating categories, no annual fee | Discover |
| Hilton Honors Amex | Great if you prefer hotel points over general rewards | Hilton Honors Amex |
Explore More Cancellation Guides on Besdot.com
| Subscription or Service | Guide |
|---|---|
| Roku TV | Cancel Roku TV |
| Sling TV | Cancel Sling TV |
| Netflix | Cancel Netflix |
| HBO Max | Cancel HBO Max |
| FuboTV | Cancel FuboTV |
| Prime Video | Cancel Prime Video |
| Hulu | Pause or Cancel Hulu |
| Ring | Cancel Ring |
| Peacock | Cancel Peacock |
| ESPN+ | Cancel ESPN Plus |
| Philo | Cancel Philo |
| Discovery Plus | Cancel Discovery+ |
| LA Fitness | Cancel LA Fitness |
| Gold’s Gym | Cancel Gold’s Gym |
| Cox Cable | Cancel Cox Cable |