We are committed to providing responsible, secure and transparent products and services to help people and business build financial resilience.

Build Financial Confidence Goals

We back our colleagues, customers, and communities by investing in programs to empower financial well-being, strengthen financial security, and help build resilient communities.

  • Provide access to credit to at least 4 million individuals from underserved or underrepresented populations from 2021 through 2025
  • Provide at least 5 million individuals with tools, resources, and educational content to improve financial well-being from 2021 through 2025
  • Support small businesses, including by reaching $100 billion in spending by consumers at small, independently owned retailers or restaurants on Small Business Saturday and during other Shop Small campaigns from 2021 through 20251
  • Invest $500 million to build more resilient and equitable communities from 2021 through 2025

1Based on spend as reported by consumers in surveys commissioned by American Express (not actual receipts or sales)


Backing Small Business

Small businesses help communities thrive by bringing character and jobs to neighborhoods. We have been dedicated to serving small businesses for more than 25 years. We offer a suite of programs and resources for small business owners, including online tools and events, and incentivize our customers to support small businesses through initiatives such as Shop Small. Through this annual campaign, we encourage millions of people to Shop Small and champion their favorite local small businesses.

2020-2021 Highlights:

  • Spent more than $200 million as part of our largest-ever global Shop Small campaign to support a Card Member offer and the associated marketing campaign to help jumpstart spending at small merchants.
  • $23.3 billion in reported spending by US consumers on Small Business Saturday in November 2021 1
  • In 2020, we created a Customer Pandemic Relief Program to provide short-term support for customers impacted by COVID-19 and enhanced and expanded our longer-term Financial Relief Program to provide assistance in 21 countries to customers in need.

1The American Express 2021 Small Business Saturday Consumer Insights Survey was conducted by Teneo on behalf of American Express and the National Federation of Independent Business (NFIB). The study is a nationally representative sample of 2,426 U.S. adults 18 years of age or older. The sample was collected using an email invitation and an online survey. The study gathered self-reported data and does not reflect actual receipts or sales. It was conducted anonymously on November 28, 2021. The survey has an overall margin of error of +/- 2.0%, at the 95% level of confidence. Projections are based on the current U.S. Census estimates of the U.S. adult population, age 18 years and over.

Safeguarding Data & Protecting Privacy

Backing our customers means maintaining their trust. Through our robust privacy program, policies and governance, we work to ensure that our customers know their choices; that they can trust how we collect, use and protect personal information about them; and that we comply with all applicable privacy laws and regulations. In 2021, we maintained the lowest US fraud rates among major credit card networks.

Our Global Privacy team oversees our programs to help protect and manage personal information about our customers, prospects, and colleagues. Our Data Protection and Privacy Principles guide how we collect, use, store, share, transmit, delete, or otherwise process personal information about our customers. We also invest in technology that gives our customers control over their privacy choices, including marketing, communications, and email preferences.

Learn more about our information security and privacy controls and policies in our 2020-2021 ESG Report, 2022 Proxy Statement, 2021 Annual Report, 2020-2021 SASB Index, and on our Privacy Center webpage.

For more information on our Build Financial Confidence goals and initiatives, refer to our 2021-2022 ESG Report.