American Express USCS card loan delinquency at 1.1% in July

American Express disclosed key credit quality metrics for its US Card Services (USCS) and U.S. Small Business segments as of July end, revealing distinct risk profiles between its consumer and commercial lending books.

The filing indicates that while consumer card loan delinquencies remained relatively contained, the small business segment faced higher levels of past-due loans and principal write-offs during the same period.

Credit Quality Metrics

The data separates performance between the broader USCS card member loans and the specific U.S. Small Business card member loans.

Segment:	Metric:	Value:
USCS Card Member Loans	30 Days Past Due As % Of Total	1.1%
USCS Card Member Loans	Net Write-Off Rate (Principal Only)	1.7%
U.S. Small Business Loans	30 Days Past Due As % Of Total	1.3%
U.S. Small Business Loans	Net Write-Off Rate (Principal Only)	2.6%

What the Numbers Show

The data reveals a clear divergence in credit performance between the two segments. The U.S. Small Business segment recorded a 2.6% net write-off rate, which is significantly higher than the 1.7% rate observed in the general USCS card member portfolio. Similarly, delinquency rates were elevated in the business segment at 1.3%, compared to 1.1% for consumer cards. This suggests that credit risk concentration remains higher within the small business lending book relative to the broader consumer card portfolio as of July end.

American Express is bringing a refreshed lineup of tennis experiences and exclusive benefits to the 2026 US Open Tennis Championships, running from Aug. 23 to Sept. 13. The offerings span interactive fan activations open to all attendees, a dedicated Card Member Lounge, and elevated hospitality for eligible Platinum Card and Centurion Members—reflecting the company's more than three decades of partnership with the US Open.

US Open American Express Fan Experience

Opening its doors at the start of US Open Fan Week, the US Open American Express Fan Experience will feature the return of fan-favorite customized tennis balls and a Dove refresh station, alongside a revamped lineup of interactive activities available to all fans:

Tennis Rhythm Rally: An interactive, digital game where up to seven fans can play simultaneously in a fast-paced tennis challenge to set the top score of the day.
Complimentary Phone Chain & Charm Station: Fans can personalize their phones with a tennis-inspired charm and chain. American Express Card Members will receive an exclusive additional charm and can choose between several exclusive NYC-inspired options.
Metropolitan Transportation Authority (MTA): American Express is distributing one free subway or bus ride to Card Members on-site during select hours of the tournament, while supplies last. Terms apply. Tennis-inspired American Express ads will also appear on train cars and platforms throughout New York City.

American Express Card Member Lounge

Open exclusively to American Express Card Members and up to two of their guests, the Card Member Lounge will feature new experiences alongside returning favorites:

Moët & Chandon Offering*: Card Members can purchase The Moët Serve, an exclusive specialty drink served in a unique tennis-themed can.
Exclusive Merchandise: Four new, exclusive Create Your Own merchandise designs will be available for purchase, while supplies last, only within the Card Member Lounge. Purchases must be made with an Amex Card.
Postcard Station: Card Members can choose from a curated selection of designs to send a complimentary, handwritten postcard anywhere in the world or keep one as a personal memento.
Wellness Service Station: Platinum Card and Centurion Members can use a selection of massage chairs while watching a livestream of the matches.

The Centurion Lounge at the US Open

Eligible Platinum Card and Centurion Members can access elevated hospitality at the Centurion Lounge, which offers complimentary premium food and beverages and a comfortable space to recharge between matches. The menu will feature dishes inspired by the Resy partner restaurants of award-winning chefs Kwame Onwuachi and Michael Solomonov, members of the Culinary Collective by The Centurion Lounge. Guests can also enjoy beverages including the US Open's signature GREY GOOSE Honey Deuce and other craft premium cocktails.* Gift bags featuring a curated selection of premium lifestyle and wellness items from partners will also be available, while supplies last.

The following table outlines reservation eligibility for the Centurion Lounge:

Membership Type:	Reservation Eligibility	Availability
Platinum Card Members:	Themselves plus one guest, once per day	Aug. 30 – Sept. 13
Centurion Members:	Themselves and up to three guests, once per day	Aug. 30 – Sept. 13

Same-day one-hour reservations are required and will become available exclusively through Resy at 9:30 a.m. ET each day of the tournament, subject to availability.

Card Member Perks Across the USTA Billie Jean King National Tennis Center

American Express is also bringing back several fan-favorite perks across the US Open grounds (terms apply):

American Express Radios: Card Members can pick up a complimentary radio from any of the five American Express-branded locations on-site to stay close to all the live match action.
On-Site Spend Offer: Eligible Card Members can enroll in an offer to get $10 back after they spend $100 on qualifying purchases on-site beginning Aug. 30.
American Express Shop: Starting Aug. 30, Card Members can enjoy a checkout-free shopping experience located in Fountain Plaza for quick snack and drink purchases, plus exclusive merchandise including caps, tees, and totes.

All perks are available while supplies last, with capacity limitations and terms applying. American Express's US Open partnership is part of a global portfolio of more than 50 sports leagues, teams, venues, and marquee events.

*Must be 21 or older to consume alcohol. Drink responsibly.