Where do I download my American Express statement?

Sign in at americanexpress.com, click your card name in the account summary, then select Statements and Activity. Each closed billing cycle has its own PDF statement going back several years. Business and personal cards share this flow on the consumer portal, although your Business card may require a separate Open Small Business login if your accounts were opened under different credentials. Corporate cards issued through an employer use a completely different portal at corporate.americanexpress.com.

Does American Express issue a VAT invoice for my card membership fee?

Not by default. The annual membership fee on premium cards like Platinum or Business Platinum appears as a line on your regular monthly statement, and that statement is a summary document, not a VAT-compliant invoice. If you are in a jurisdiction where VAT on a card membership fee is reclaimable (parts of the UK, EU, Australia), contact Amex customer service and ask specifically for a VAT invoice for the membership charge. In the US this is rarely relevant because card membership fees are not subject to sales tax in the same way.

What is the difference between an Amex statement, a receipt, and an invoice?

An Amex statement is a monthly summary of card activity for a specific billing cycle, listing every charge, payment, and credit. A receipt is proof of a single transaction, issued by the merchant (the airline, the hotel, the SaaS vendor). An invoice is a formal billing document also issued by the merchant, not by Amex. For most expense workflows you need both. The statement matches totals against your books, while merchant receipts or invoices substantiate each individual line.

How do I access my Amex Corporate card statement?

Corporate cards are on a separate portal, usually corporate.americanexpress.com or a country-specific equivalent branded @ Work or ABC. Your employer controls whether self-serve statements are enabled. Some companies route all Corporate card activity through an expense platform like Concur, Expensify, or Navan and disable direct statement downloads. If the Corporate portal is empty, ask your finance team whether statements are centralized, because the answer is almost always yes.

Why does my Amex billing cycle not line up with the calendar month?

Amex billing cycles are tied to the date the account was opened, not to the calendar. A card opened on the 14th of a month cycles roughly from the 14th to the 13th, and the statement PDF reflects that period. If your accounting close is calendar-monthly, expect a few days of drift between the statement period and your period-end. The cleanest workaround is to use the CSV or QFX activity export and filter by your fiscal period dates, keeping the PDF statement as the document of record for the billing cycle.

Can I bulk download all my Amex statements at once?

No, the consumer portal requires one click per cycle. For transaction-level detail there is a bulk activity export under Download activity (CSV, QFX, or OFX formats) covering a custom date range, but that gives you raw transactions, not the monthly PDF statements. For several years of statements across multiple cards and entities, manual download is slow, which is why most finance teams automate the collection.

I have a personal Amex and a Business Amex. Why do I only see one after signing in?

Business cards sometimes use separate Open Small Business credentials rather than sharing your personal login. Try signing in at americanexpress.com/business with the credentials from your original Business card application email. If that fails, the consumer and Business accounts can usually be linked by calling Amex customer service and asking for them to be merged under a single username. Accounts opened through different referral channels or at different times are the most common reason for the split.

How do I get statements for an Amex card issued in the UK, EU, or Australia?

International Amex entities operate under local banking regulations and have their own portals. UK cards sign in at americanexpress.co.uk, EU cards at country-specific domains like americanexpress.de or americanexpress.it, Australian cards at americanexpress.com.au. Statements for a UK-issued card do not appear on the US portal and vice versa. If your business holds cards across multiple entities, you are signing in to each portal separately and pulling statements individually, which adds up fast across a quarter.

Does my Amex statement show authorized user or additional cardholder activity?

On Business cards, yes. The primary account holder sees consolidated activity for every authorized user on the statement PDF, including merchant, date, and amount for each charge. Additional cardholders on personal cards typically see only their own activity when they sign in, while the primary cardmember sees everything. If your bookkeeper is set up as an authorized user and needs the full picture, the cleanest fix is to upgrade them to an Account Manager, which grants broader statement access without giving them a new card.

How far back can I pull Amex statements?

In the US, Amex typically keeps statement PDFs for 7 years, which matches the IRS record retention window. In some international markets the retention is shorter (3 to 5 years is common). Activity export via CSV or QFX is usually available for a similar window. Beyond the self-serve period, you can request older statements from Amex customer service but the process is slower and may involve a fee. As always, download your own copies regularly and archive them outside the Amex portal for long-term retention.

What is a Year-End Summary and can I use it as an invoice?

The Amex Year-End Summary is a consolidated annual view of your card spending, broken out by category (travel, dining, office supplies, etc.), issued each January for the prior calendar year. It lives under Statements and Activity in a separate section from the monthly PDFs. It is useful for tax planning and personal budgeting, but it is not an invoice and is not a substitute for the monthly statements. For audit or accounting purposes, your accountant wants the monthly PDFs, not the annual summary.

Why does my Amex statement show a pending charge that is not on my bank account yet?

Amex statements are issued at cycle close, which locks in all posted charges as of that date. A charge that was pending at close but not yet posted appears on the next cycle's statement. Conversely, pending charges visible on the online activity page before cycle close may or may not make it onto the current statement depending on whether they post in time. If a charge is on the statement but missing from your bank feed, give it 2 to 3 business days for the payment settlement to catch up, then verify the cycle cutoff dates.

How to get American Express invoices

Step-by-step guide to downloading your American Express billing documents.

Last verified: 2026-04-24

Step-by-step: download invoices from American Express

1
Sign in at americanexpress.com and pick the right card
Go to americanexpress.com/en-us/account/login and sign in. If you hold both a personal Amex card (Gold, Platinum, Blue Cash) and a Business card (Business Gold, Business Platinum, Blue Business Cash), they may share one login or live under separate Open Small Business credentials depending on how your accounts were opened. Use the account switcher at the top-right before you start. Amex Corporate cards live on a completely different portal (corporate.americanexpress.com, sometimes called ABC) and are not accessible from the consumer login at all.
2
Open Statements and Activity
Once signed in, click your card name in the account summary, then select Statements and Activity from the menu. This is where Amex keeps monthly PDF statements for both personal and Business cards. Each statement covers a billing cycle, not a calendar month, so the period on the PDF may start mid-month and end mid-month depending on when your card was opened. Both cardmembers and authorized account managers can see statements. Additional cardholders see only their own activity on some setups.
3
Pick the billing cycle and download the PDF
Amex lists closed cycles in reverse chronological order, usually 7 years back in the US (less in some international markets). Click the cycle you need, then Download or View PDF. You get a statement covering every charge, payment, and credit during that cycle, including any authorized user activity on Business cards. For transaction-level detail outside the billing cycle, use the Download activity option with CSV or QFX format, which is separate from the PDF statement.
4
Handle Corporate cards through the separate portal
If you have an Amex Corporate card issued through your employer, none of the steps above apply. Sign in at corporate.americanexpress.com (in some countries it is called @ Work or ABC). The interface is different, statements follow your company's billing cycle not yours, and some employers disable self-serve statement downloads entirely, routing everything through their expense platform (Concur, Expensify, Navan). If the Corporate portal shows nothing, ask your finance team whether statements are centralized.
5
File statements where your accountant can find them
Rename each PDF with a pattern like period-amex-cardtype-last4, and keep personal, Business, and Corporate statements in separate folders. Personal Amex statements usually do not belong in a business expense workflow at all. Business and Corporate statements are reconciliation documents, not VAT invoices, so your accountant will also need the underlying merchant receipts to substantiate each line.

About American Express billing

American Express does not send you a clean stack of PDFs at the end of each month. You log in, pick a card, click into Statements and Activity, and start downloading one cycle at a time.

The pain is the split. Personal cards, Business cards, and Corporate cards all live in different places, follow different billing cycles, and sometimes use completely different credentials. Get the wrong portal and you will spend an afternoon convinced your statements have vanished.

An Amex statement is a summary of card activity, not a VAT invoice. The annual membership fee on a Platinum or Business Platinum card appears as a line, but the statement itself is not structured as a tax document. If your accountant needs a VAT invoice for the membership fee in the UK, EU, or Australia, call Amex and request one specifically. For everyday spend, the statement plus merchant receipts is what reconciliation actually requires.

About American Express

American Express Company is a financial services firm founded in 1850 and headquartered in New York City. It operates one of the largest closed-loop card networks in the world, issuing personal charge and credit cards, Business cards for small and mid-sized companies, and Corporate cards for large employers. Billing surfaces follow that split: personal and Business cards share the consumer portal at americanexpress.com, while Corporate cards live on a separate portal at corporate.americanexpress.com that your employer controls. International Amex entities (UK, EU, Australia, Canada) operate under local regulations and host their own country-specific portals.

Manual vs automated

Manual

Sign in to americanexpress.com with 2FA
Switch between personal and Business logins
Download each monthly statement PDF per card
Export CSV or QFX for period-aligned reconciliation
Sign in separately to corporate.americanexpress.com for Corporate cards
Repeat for every international Amex entity

Automated with Inbox Ledger

Connect American Express once in Inbox Ledger
Statements land in your dashboard automatically
Export to Drive, Sheets, or your accounting system

Why people stop doing this by hand

One personal card, one login, one statement a month: the Amex portal is fine. The effort scales badly the moment you add a second card or a second entity.

A founder with a personal Platinum plus a Business Gold plus a UK-issued Amex for a subsidiary is logging in to three portals every month. If the Business card uses separate Open Small Business credentials, that is a fourth password. Add a Corporate card from an employer and that lives on yet another site with yet another cycle. Billing cycles do not line up with calendar months, so reconciling against your accounting close means exporting CSV and filtering by date, then cross-checking against the PDF.

Authorized user activity on Business cards adds another layer. The primary cardmember sees everything. Individual authorized users see only their own charges, which matters when a bookkeeper is set up at the wrong permission level and has to keep asking the owner to pull statements. It is one of those workflows that quietly eats a morning every month.

American Express is one of the portals our Chrome Extension auto-detects. Install it, sign in to any Amex portal (consumer, Open Small Business, or Corporate where enabled), and the extension captures new statements in the background. No OAuth setup, no forwarding address, no clicking through each billing cycle. It works alongside the main Inbox Ledger sync, which picks up the merchant receipts forwarded from team inboxes so the statement and the supporting receipts end up in one place.

Next step

If you hold one Amex card and never change accountants, the portal is enough. If you run a business with a Business card, a Corporate card, or cards issued across multiple Amex entities, connect American Express to Inbox Ledger once and stop chasing statements across four logins every month.

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Quick access

Jump straight to the American Express billing page in a new tab.

Open American Express billing

Where to look in the dashboard

Statements and Activity is where personal and Business card statement PDFs live, one per billing cycle
Download activity exports transactions as CSV or QFX separately from the monthly statement PDF
corporate.americanexpress.com is a separate portal for Amex Corporate cards, not accessible from the consumer login
americanexpress.com/business holds the Open Small Business login if your Business card credentials differ from your personal ones
Country-specific domains (americanexpress.co.uk, americanexpress.com/en-gb, etc.) host statements for cards issued by local Amex entities
Year-End Summary appears in Statements and Activity each January, separate from monthly PDFs

Before you start — quick checklist

Statement PDF is downloaded for every closed billing cycle in the period you are reconciling
Personal card statements are kept separate from Business or Corporate card statements
Billing cycle dates on the PDF are noted so you can reconcile against calendar-month accounting
CSV or QFX transaction export is archived alongside the PDF for audit lookups
Authorized user or additional cardholder activity on Business cards is visible on the consolidated statement
Corporate card statements, if accessible, are pulled from corporate.americanexpress.com and not confused with personal card documents

Pro tips

Amex typically does not issue a VAT invoice for card fees or FX markup. Annual membership fees on premium cards (Platinum, Business Platinum) appear on the statement as a line item, but the statement itself is not structured as a VAT-compliant invoice. If your accountant needs one for the membership fee specifically, contact Amex customer service and ask for a VAT invoice. In the US this is rarely relevant. In the UK, EU, and Australia it matters.
Personal and Business Amex cards may share a login or use separate Open Small Business credentials depending on when and how you applied. If you see one but not the other after signing in, try the Open login at americanexpress.com/business instead, or check whether you have a second set of credentials from the original application email.
International Amex entities (Amex UK, Amex EU, Amex Australia, Amex Canada) operate under local banking regulations and have their own portals, usually at americanexpress.co.uk, americanexpress.com/en-gb, or similar country domains. Statements for a UK-issued card do not appear on the US portal and vice versa. If your business holds cards across multiple entities, you are logging in to multiple sites.
The Amex statement is a summary of card activity, not a receipt book. Each line shows merchant name, date, and amount, but not the VAT breakdown or item-level detail. For most expense reimbursement and tax workflows, you still need the original merchant receipt, and the statement is used as a cross-check to confirm the charge posted.
Amex offers a Year-End Summary in January each year for most card products, which consolidates 12 months of spending by category. It is useful for tax planning but is not a substitute for monthly statements. The annual summary lives under Statements and Activity in a separate section.
Business cards with multiple authorized users show consolidated activity on the primary account holder's statement. Individual authorized users can only see their own transactions online unless the account owner grants broader access. If your bookkeeper is an authorized user, they may need the owner to download statements on their behalf, or they need to be upgraded to an Account Manager role.

Skip this entirely. Automate American Express invoices

Inbox Ledger scans your email for American Express invoices, extracts the data with AI, and syncs it to QuickBooks, Xero, or Google Sheets. No manual downloads.

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Frequently asked questions

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How to get American Express invoices

Step-by-step: download invoices from American Express

Sign in at americanexpress.com and pick the right card

Open Statements and Activity

Pick the billing cycle and download the PDF

Handle Corporate cards through the separate portal

File statements where your accountant can find them

About American Express billing

About American Express