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The American Express
American Express
Company, also known as Amex, is an American multinational financial services corporation headquartered in Three World Financial Center in New York City. The company was founded in 1850, and is one of the 30 components of the Dow Jones Industrial Average.[4] The company is best known for its credit card, charge card, and traveler's cheque businesses. In 2016, credit cards using the American Express
American Express
network accounted for 22.9% of the total dollar volume of credit card transactions in the US.[5] As of December 31, 2016, the company had 109.9 million cards in force, including 47.5 million cards in force in the United States, each with an average annual spending of $17,216.[6] In 2016, Interbrand
Interbrand
ranked American Express
American Express
as the 25th most valuable brand in the world, estimating the brand to be worth US$18.358 billion.[7] In 2017, Fortune ranked American Express
American Express
as the 17th most admired company worldwide.[8] The company's logo, adopted in 1958, is a gladiator or centurion[9] whose image appears on the company's traveler's cheques, charge cards and credit cards.

Contents

1 Early history

1.1 American Express
American Express
buildings 1.2 Nationwide expansion 1.3 Financial services 1.4 Loss of railroad express business 1.5 Investment banking

2 Recent history

2.1 Charge card services 2.2 " Boston
Boston
Fee Party" 2.3 Conversion to bank holding company 2.4 Charging order controversy in the UK 2.5 CFPB enforcement action 2.6 Costco
Costco
exclusivity arrangement (2004–2016)

3 Card products

3.1 Consumer cards 3.2 Acceptance of American Express
American Express
cards outside the United States 3.3 Card design 3.4 ExpressPay 3.5 Small business
Small business
services (also known as American Express
American Express
OPEN) 3.6 Commercial cards and services 3.7 Non-proprietary cards 3.8 Merchant account

4 Non-card products

4.1 Traveler's checks 4.2 Shearson/American Express 4.3 Financial advisors 4.4 International bank 4.5 Travel 4.6 Publishing 4.7 Individual banking

5 Advertising campaigns

5.1 Don't Leave Home Without Them 5.2 The Adventures of Seinfeld & Superman 5.3 My life. My card. 5.4 C F. Frost 5.5 Cause marketing 5.6 Animals

6 Cultural projects 7 Workplace

7.1 Offices 7.2 Job satisfaction

8 Management and corporate governance 9 Ownership 10 In popular culture 11 See also 12 References 13 External links

Early history[edit]

American Express
American Express
Co. early shipping receipts (1853, 1869)

Share of the American Express
American Express
Company, issued 13. October 1865; signed by William G. Fargo
William G. Fargo
as Secretary and Henry Wells
Henry Wells
as President

In 1850, American Express
American Express
was started as an express mail business in Buffalo, New York.[10] It was founded as a joint stock corporation by the merger of the express companies owned by Henry Wells
Henry Wells
(Wells & Company), William G. Fargo
William G. Fargo
(Livingston, Fargo & Company), and John Warren Butterfield (Wells, Butterfield & Company, the successor earlier in 1850 of Butterfield, Wasson & Company).[1][2] Wells and Fargo also started Wells Fargo
Wells Fargo
& Co. in 1852 when Butterfield and other directors objected to the proposal that American Express
American Express
extend its operations to California. American Express
American Express
initially established its headquarters in a building at the intersection of Jay Street and Hudson Street in what was later called the Tribeca
Tribeca
section of Manhattan. For years it enjoyed a virtual monopoly on the movement of express shipments (goods, securities, currency, etc.) throughout New York State. In 1874, American Express
American Express
moved its headquarters to 65 Broadway
65 Broadway
in what was becoming the Financial District of Manhattan, a location it was to retain through two buildings.[11] American Express
American Express
buildings[edit] In 1854, the American Express
American Express
Co. purchased a lot on Vesey Street in New York City
New York City
as the site for its stables. The company's first New York headquarters was an 1858 marble Italianate palazzo at 55–61 Hudson Street, which had a busy freight depot on the ground story with a spur line from the Hudson River Railroad. A stable was constructed in 1867, five blocks north at 4–8 Hubert Street. The company prospered sufficiently that headquarters were moved in 1874 from the wholesale shipping district to the budding Financial District, and into rented offices in two five-story brownstone commercial buildings at 63 and 65 Broadway
65 Broadway
that were owned by the Harmony family.[12] In 1880, American Express
American Express
built a new warehouse behind the Broadway Building at 46 Trinity Place. The designer is unknown, but it has a façade of brick arches that are reminiscent of pre-skyscraper New York. American Express
American Express
has long been out of this building, but it still bears a terracotta seal with the American Express
American Express
Eagle.[13] In 1890–91 the company constructed a new ten-story building by Edward H. Kendall on the site of its former headquarters on Hudson Street. By 1903, the company had assets of some $28 million, second only to the National City Bank
Bank
of New York among financial institutions in the city. To reflect this, the company purchased the Broadway buildings and site.[12]

The American Express
American Express
Company Building at 65 Broadway
65 Broadway
– the former headquarters of the American Express
American Express
Company

At the end of the Wells-Fargo reign in 1914, an aggressive new president, George Chadbourne Taylor (1868–1923), who had worked his way up through the company over the previous thirty years, decided to build a new headquarters. The old buildings, dubbed by the New York Times as "among the ancient landmarks" of lower Broadway, were inadequate for such a rapidly expanding concern. After some delays due to the war in Europe, the 21-story neo-classical American Express
American Express
Co. Building was constructed in 1916–17 to the design of James L. Aspinwall, of the firm of Renwick, Aspinwall & Tucker, the successor to the architectural practice of the eminent James Renwick, Jr.. The building consolidated the two lots of the former buildings with a single address: 65 Broadway. This building was part of the "Express Row" section of lower Broadway at the time. The building completed the continuous masonry wall of its block-front and assisted in transforming Broadway into the "canyon" of neo-classical masonry office towers familiar to this day[14] American Express
American Express
sold this building in 1975, but retained travel services there. The building was also the headquarters over the years of other prominent firms, including investment bankers J.& W. Seligman & Co. (1940–74), the American Bureau of Shipping, a maritime concern (1977–86), and currently J.J. Kenny, and Standard & Poor's, who has renamed the building for itself.[12][14] Nationwide expansion[edit] American Express
American Express
extended its reach nationwide by arranging affiliations with other express companies (including Wells Fargo
Wells Fargo
– the replacement for the two former companies that merged to form American Express), railroads, and steamship companies.[11] Financial services[edit] In 1857, American Express
American Express
started its expansion in the area of financial services by launching a money order business[11] to compete with the United States
United States
Post Office's money orders. Sometime between 1888 and 1890, J. C. Fargo took a trip to Europe and returned frustrated and infuriated. Despite the fact that he was president of American Express
American Express
and that he carried with him traditional letters of credit, he found it difficult to obtain cash anywhere except in major cities. Fargo went to Marcellus Flemming Berry and asked him to create a better solution than the letter of credit. Berry introduced the American Express
American Express
Traveler's Cheque which was launched in 1891 in denominations of $10, $20, $50, and $100.[15] Traveler's cheques
Traveler's cheques
established American Express
American Express
as a truly international company. In 1914, at the onset of World War I, American Express in Europe was among the few companies to honor the letters of credit (issued by various banks) held by Americans in Europe, because other financial institutions refused to assist these stranded travelers. The British government appointed American Express
American Express
its official agent at the beginning of World War I. They were to deliver letters, money and relief parcels to British prisoners of war. Their employees went into camps to cash drafts for both British and French prisoners and arranged for them to receive money from home. By the end of the war they were delivering 150 tonnes of parcels per day to prisoners in six countries.[16] Loss of railroad express business[edit] American Express
American Express
became one of the monopolies that President Theodore Roosevelt had the Interstate Commerce Commission
Interstate Commerce Commission
(ICC) investigate during his administration. The interest of the ICC was drawn to its strict control of the railroad express business. However, the solution did not come immediately to hand.[11] The solution to this problem came as a coincidence to other problems during World War I. During the winter of 1917, the United States
United States
suffered a severe coal shortage and on December 26 President Woodrow Wilson
Woodrow Wilson
commandeered the railroads on behalf of the United States
United States
government to move federal troops, their supplies, and coal. Treasury Secretary William Gibbs McAdoo was assigned the task of consolidating the railway lines for the war effort. All contracts between express companies and railroads were nullified and McAdoo proposed that all existing express companies be consolidated into a single company to serve the country's needs. This ended American Express's express business, and removed them from the ICC’s interest. The result was that a new company called the American Railway Express Agency
Railway Express Agency
formed in July 1918. The new entity took custody of all the pooled equipment and property of existing express companies (the largest share of which, 40%, came from American Express, who had owned the rights to the express business over 71,280 miles (114,710 km) of railroad lines, and had 10,000 offices, with over 30,000 employees). Investment banking[edit] During the 1980s, American Express
American Express
embarked on an effort to become a financial services supercompany and made a number of acquisitions to create an investment banking arm. In mid-1981 it purchased Sanford I. Weill's Shearson Loeb Rhoades, the second largest securities firm in the United States
United States
to form Shearson/American Express.

Shearson Lehman logo

After the purchase of Shearson, Weill was given the position of president of American Express
American Express
in 1983. Weill grew increasingly unhappy with responsibilities within American Express
American Express
and his conflicts with American Express' CEO James D. Robinson III. Weill soon realized that he was not positioned to be named CEO and left in August 1985. In 1984, American Express
American Express
acquired the investment banking and trading firm Lehman Brothers
Lehman Brothers
Kuhn Loeb, and added it to the Shearson family, creating Shearson Lehman/American Express. It was Lehman's CEO and former trader Lewis Glucksman who would next lead Shearson Lehman/American Express. In 1984, Shearson/American Express
Shearson/American Express
purchased the 90-year-old Investors Diversified Services, bringing with it a fleet of financial advisors and investment products. In 1988, Shearson Lehman acquired the brokerage firm E.F. Hutton & Co.. E.F. Hutton was merged with the investment banking business and the investment banking arm was renamed Shearson Lehman Hutton, Inc.[17] However, when Harvey Golub became CEO of American Express
American Express
in 1993, American Express
American Express
decided to get out of the investment banking business and negotiated the sale of Shearson's retail brokerage and asset management business to Primerica. The Shearson business was merged with Primerica's Smith Barney
Smith Barney
to create Smith Barney
Smith Barney
Shearson. Ultimately, the Shearson name was dropped in 1994.[18] In 1994, American Express
American Express
spun off of the remaining investment banking and institutional businesses as Lehman Brothers
Lehman Brothers
Holdings Inc. After almost fifteen years of independence, Lehman Brothers
Lehman Brothers
filed for bankruptcy protection in 2008 as part of the late–2000s financial crisis. Recent history[edit] Former CEO Ken I. Chenault took over leadership of American Express
American Express
in 2001 from Harvey Golub, CEO from 1993 to 2001. Prior to that, the company was headed by James D. Robinson III
James D. Robinson III
from 1977 to 1993, Howard L. Clark Sr. from 1960 to 1977, and Ralph Reed from 1944 to 1960. Current CEO: Stephen Joseph Squeri since Feb 1, 2018. Charge card services[edit]

American Express Tower
American Express Tower
(tallest, left) in New York City

American Express
American Express
executives discussed the possibility of launching a travel charge card as early as 1946, but it was not until Diners Club launched a card in March 1950 that American Express
American Express
began seriously to consider the possibility. At the end of 1957, American Express
American Express
CEO Ralph Reed decided to get into the card business, and by the launch date of October 1, 1958, public interest had become so significant that 250,000 cards were issued prior to the official launch date. The card was launched with an annual fee of $6, $1 higher than Diners Club, to be seen as a premium product. The first cards were made of paper, with the account number and cardmember's name typed. In 1959, American Express
American Express
began issuing embossed ISO/IEC 7810
ISO/IEC 7810
plastic cards, an industry first.[19] In 1966, American Express
American Express
introduced the Gold Card.[19] In 1984, the company launched the Platinum Card, clearly defining different market segments within its own business, a practice that has proliferated across a broad array of industries.[20] The Platinum Card was billed as super-exclusive and had a $250 annual fee (it is currently $550). It was offered by invitation only to American Express
American Express
customers with at least 2 years of tenure, significant spending, and excellent payment history; it is now open to applications on request. In 1987, American Express
American Express
introduced the Optima card, its first credit card product that did not have to be paid in full at the end of the month. American Express
American Express
formed a venture with Warner Communications
Warner Communications
in 1979 called Warner-Amex Satellite Entertainment, which created MTV, Nickelodeon, and The Movie Channel. The partnership lasted only until 1984. The properties were sold to Viacom soon after. In April 1992, American Express
American Express
spun off its former subsidiary, First Data Corp., in an initial public offering.[21] In 1994, the Optima True Grace card was introduced. The card was unique in that it offered a grace period on all purchases whether a balance was carried on the card or not (as opposed to traditional revolving credit cards which charge interest on new purchases if so much as $1 was carried over).[22] The card was discontinued a few years later; the now discontinued One from American Express
American Express
card offered a similar feature called "Interest Protection." " Boston
Boston
Fee Party"[edit] From early 1980s until the early 1990s, American Express
American Express
was known for cutting its interchange fee (also known as a "discount rate") to merchants and restaurants if they accepted only American Express
American Express
and no other credit or charge cards. This prompted competitors such as Visa and MasterCard
MasterCard
to cry foul for a while as the tactics "locked" restaurants into American Express. Capitalizing on this elitist image, American Express
American Express
frequently mentioned such exclusive partnerships in its advertising.[23] Aside from some holdouts including Neiman Marcus
Neiman Marcus
(which continued exclusivity until 2011), the practice largely ended later in 1991. A group of restaurants in Boston
Boston
stopped accepting American Express while accepting and encouraging the use of Visa and MasterCard, including some that were exclusive to American Express. The rationale was due to far lower fees as compared to American Express' fees at the time (which were about 4% for each transaction versus around 1.2% at the time for Visa and MasterCard). The revolt, known as the "Boston Fee Party" (alluding to the Boston
Boston
Tea Party), spread to over 250 restaurants across the United States, including restaurants in other cities such as New York City, Chicago, and Los Angeles. Visa offered to pay the Fee Party's legal bills, and Discover Card
Discover Card
was able to increase their acceptance among Boston
Boston
restaurants by 375%. Kenneth Chenault, then head of Travel
Travel
Related Services and now American Express CEO, cut fees to bring these restaurants back into the fold.[24] American Express
American Express
then shifted its focus from exclusivity to broadening acceptance, adding mainstream merchants like Walmart
Walmart
to the American Express
American Express
network. Conversion to bank holding company[edit] On November 10, 2008, during the financial crisis of 2007–2008, the company won Federal Reserve System
Federal Reserve System
approval to convert to a bank holding company, making it eligible for government help under the Troubled Asset
Asset
Relief Program.[25][26] At that time, American Express had total consolidated assets of about $127 billion.[26] In June 2009, $3.39 billion in TARP funds were repaid plus $74.4 million in dividend payments. In July 2009, the company ended its obligations under TARP by buying back $340 million in Treasury warrants.[27][28][29] Charging order controversy in the UK[edit] In November 2010, the UK division of American Express
American Express
was cautioned by the Office of Fair Trading
Office of Fair Trading
for the use of controversial charging orders against those in debt.[30] The regulator said that the company was one of four companies who were encouraging customers to turn their unsecured credit card debts into a form of secured debt. CFPB enforcement action[edit] In October 2012, The Consumer Financial Protection Bureau
Consumer Financial Protection Bureau
(CFPB) announced an enforcement action with orders requiring three American Express subsidiaries to refund an estimated $85 million to approximately 250,000 customers for illegal card practices between 2003 and 2012. Allegations included that American Express
American Express
made misleading statements regarding signup bonuses, charged unlawful late fees, discriminated against applicants due to age, and failed to report consumer complaints to regulators.[31] Costco
Costco
exclusivity arrangement (2004–2016)[edit] Beginning in 2004, Costco
Costco
issued co-branded American Express
American Express
cards which also doubled as a membership card. Costco
Costco
ended this arrangement in 2016 in the United States
United States
and in 2015 in Canada. The cards did not have annual fees and offered cash back in form of in-store rebates on certain tiers of purchases. The TrueEarnings cards issued by Costco
Costco
in the United States
United States
were an extension of an exclusive credit card network deal between Costco
Costco
and American Express
American Express
dating to 1999. Costco
Costco
was the last major U.S. merchant that accepted American Express cards exclusively. In November 2011, Neiman Marcus, which gave similar general-purpose card exclusivity to American Express
American Express
since 1987, began accepting Visa and MasterCard. Costco's Canadian stores ended its exclusive deal with American Express in January 2015 in favor of one with Capital One
Capital One
and MasterCard.[32] Capital One
Capital One
did not buy accounts and balances from American Express, which required Costco
Costco
Canada members to apply for the new cards instead of automatically qualifying.[33] On February 12, 2015, it was announced that the partnership between American Express
American Express
and Costco
Costco
in the United States
United States
would dissolve March 31, 2016, which was later extended to June 19, 2016. By March 2, 2015, Costco
Costco
announced that Citigroup
Citigroup
would become the exclusive issuer of Costco's credit cards and that Visa Inc.
Visa Inc.
would replace American Express as the exclusive credit card network accepted at Costco’s stores in the United States. The Costco
Costco
deal with Visa began on June 20, 2016, and in addition to the new Citi card, Costco
Costco
accepted all other Visa cards.[34][35] All TrueEarnings card accounts and balances held by American Express
American Express
were sold to Citigroup, and new Costco Anywhere Visa cards were sent to Costco
Costco
members prior to the switch date. Concurrent with the switch to Visa, Costco
Costco
no longer accepted American Express
American Express
in stores, at Costco.com, or through Costco
Costco
Travel. The Costco
Costco
partnership represented 8%, or $80 billion, of Amex's billed business and about 20%, or about $14 billion, of its interest-bearing credit portfolio, according to Richard Shane of JPMorgan Chase
JPMorgan Chase
& Co.[35] The impact of losing the Costco
Costco
card accounts was significant; in the first quarter without Costco
Costco
cards, company profit dropped 10% and revenue dropped 5% compared to the previous year.[36] Card products[edit] As of December 31, 2016, the company had 109.9 million cards in force, including 47.5 million cards in force in the United States, each with an average annual spending of $17,216.[6] These include consumer, small business and corporate cards issued by American Express themselves and cards issued by its Global Service Network partners that run on its network (such as Commonwealth Bank, Westpac and NAB in Australia and Lloyds Bank
Bank
and Barclays
Barclays
Bank
Bank
in the UK). On 1 March 2017, Australia's fourth largest bank ANZ announced that it was no longer issuing American Express
American Express
cards, with the support phased out entirely by August 5, 2017.[37] American Express
American Express
is the largest card issuer in the world based on purchase volume.[38] It is the 4th largest card network in the world, based on the number of cards it has in circulation.[39] Consumer cards[edit]

An advertisement for the Platinum Card in Hong Kong

See also: Centurion
Centurion
Card, Accolades Card, and ExpressPay American Express
American Express
is best known for its iconic Green, Gold, and Platinum charge cards. In 1958, American Express
American Express
issued its first charge card, which required payment at the end of every month.[40] In 1966, the company issued its first gold card, in an effort to cater to the upper echelon of business travel.[41] Its platinum card debuted in 1984.[42] In 1999, American Express
American Express
introduced the Centurion
Centurion
Card, often referred to as the "black card," which caters to an even more affluent and elite customer segment. The card was initially available only to select users of the Platinum card. The annual fee for the card is $2,500 (up from $1,000 at introduction) with an additional one-time initiation fee of $7,500. American Express
American Express
created the card line amid rumors and urban legends in the 1980s that it produced an ultra-exclusive black card for elite users who could purchase anything with it.[43] American Express
American Express
cards range in cost between no annual fee (for Blue and many other consumer and business cards) and a $550 annual fee (for the Platinum card). Annual fees for the Green card start at $95 (first year free), while Gold card annual fees start at $195. American Express
American Express
has several co-branded credit cards, with most falling into one of three categories:

Airlines: Aerolineas Argentinas, Air Canada, Air France, Alitalia, British Airways, Cathay Pacific, Delta Air Lines, Icelandair, KLM, Qantas, Scandinavian Airlines, Singapore Airlines, SriLankan Airlines, Virgin Atlantic, Virgin Australia, among others. Hotels: Best Western, Hilton Hotels. Starwood Hotels & Resorts Worldwide Retailers: David Jones, Holt Renfrew, Harrods, Macy's, Bloomingdales, Lowe's, Mercedes Benz, and others.

A credit card aimed at young adults is called Blue, which has no annual fee and a loyalty program. A television media campaign for Blue adopted the 1979 UK Synthpop
Synthpop
hit "Cars" by Gary Numan
Gary Numan
as its theme music. A cashback reward program version, "Blue Cash", quickly followed. Amex also targeted young adults with City Reward Cards that earn INSIDE Rewards points to eat, drink, and play at New York, Chicago
Chicago
and LA hot spots. American Express
American Express
began phasing out the INSIDE cards in mid-2008, with no new applications being taken as of July 2008. In 2005, American Express
American Express
introduced Clear, advertised as the first credit card with no fees of any kind. Other cards introduced in 2005 included "The Knot" and "The Nest" Credit Cards from American Express, co-branded cards developed with the wedding planning website theknot.com. In 2006, the UK division of American Express
American Express
joined the Product Red coalition and issued a Red Card, donating with each purchase through The Global Fund to Fight AIDS, Tuberculosis and Malaria
The Global Fund to Fight AIDS, Tuberculosis and Malaria
to help African women and children suffering from HIV/AIDS, malaria, and other diseases.[44] In 2009, American Express
American Express
introduced the ZYNC charge card. White in color, this card was created for people aged 20–40.[45] American Express is no longer taking applications for the ZYNC charge card. In late 2012, American Express
American Express
and Walmart
Walmart
announced the launch of Bluebird, a prepaid debit card similar to that of Green Dot.[46] Bluebird is being touted as having some of the benefits of traditional American Express
American Express
cards, such as roadside assistance and identity theft protection. The card can also be used as a substitute to a traditional checking account. Unlike other such cards, Bluebird is FDIC-insured.[47] Bluebird accounts have standard FDIC deposit insurance and check writing capabilities, and customers can now have Social Security payments, military pay, Tax Return, paycheck and other government benefits deposited directly into their accounts. Acceptance of American Express
American Express
cards outside the United States[edit] American Express
American Express
credit cards are noted by travel guides, including Rough Guides and Lonely Planet, as being less commonly accepted in Europe than Visa or MasterCard.[48][49][50][51] In an interview with an American Express
American Express
spokesman in 2010 about card acceptance in the UK, the Daily Mail's financial website, This is Money, noted that "The list of places that are taking Amex appears to be growing, rather than slowing, but it seems to be a little hit-and-miss. It's not a good feeling to enter a shop, not knowing whether or not they accept the card."[52] As of February 2016 American Express
American Express
is one of the partner banks to both Google
Google
and Apple's mobile wallet systems (Android Pay and Apple Pay, respectively) meaning that cardholders can use their American Express-issued cards to pay at establishments where NFC payments are accepted.[53] Card design[edit] The company mascot, the Roman Gladiator
Gladiator
or Centurion, appears at the center of the iconic Zync, Green, Gold, Platinum, and Centurion
Centurion
cards. The figure and his pose evoke classical antiquity. These cards also feature intricate border and background designs that read "American Express." The designs on these cards, especially the Green card, bear resemblance to those on United States
United States
Federal Reserve Notes. ExpressPay[edit]

A Platinum American Express
American Express
Charge Card issued in the UK that is contactless enabled

In 2005, American Express
American Express
introduced ExpressPay, similar to MasterCard PayPass
PayPass
and Visa payWave, all of which use the symbol appearing on the right. It is a contactless payment system based on wireless RFID, where transactions are completed by holding the credit card near a receiver at which point the debt is immediately added to the account. All three contactless systems use the same logo. The card is not swiped or inserted into a smart card reader and no PIN is entered. Many merchants, in the U.S. and globally, now offer American Express contactless payment, including Meijer, Walgreens, Best Buy, Chevron Corporation, Starbucks, and McDonald's. Small business
Small business
services (also known as American Express
American Express
OPEN)[edit] Further information: American Express
American Express
Plum Card American Express
American Express
offers various types of charge cards for small businesses to manage their expenses, and the company is also the largest provider of corporate cards.[citation needed] In late 2007, the company announced the new Plum Card as the latest addition to their card line for small business owners.[54] The card provides a 1.5% early pay discount or up to two months to defer payment on purchases. The 1.5% discount is available for billing periods where the cardmember spends at least $5,000. The first 10,000 cards were issued to members on December 16, 2007.[55] In 2008, American Express
American Express
closed all Business Line of Credit accounts. This decision was reached in tandem with the Federal Reserve's approval of American Express's request to become a Commercial bank.[56] As of July 2016, American Express
American Express
has several credit cards designed for small business. These include SimplyCash® Plus Business Credit Card. Cash back earned is automatically credited to the cardholder's statement and other benefits are included. Other cards include the Business Platinum Card from American Express
American Express
OPEN, the Business Gold Rewards Card from American Express
American Express
OPEN, the Blue for Business Credit Card from American Express, Business Green Rewards Card from American Express OPEN, the Business Green Rewards Card from American Express OPEN and the Plum Card from American Express
American Express
OPEN. These cards have return protection, year-end summaries and other tools to help with the business accounting and control. [57] Commercial cards and services[edit] In 2008, American Express
American Express
acquired the Corporate Payment Services business of GE, which primarily focused on providing Purchasing Card solutions for large global clients.[58] As part of the $1b+ transaction, American Express
American Express
also added a new product, called V-Payment, to its product portfolio. V-Payment is unique in that it enables a tightly controlled, single-use card number for increased control. As of July 2016, American Express
American Express
offered several business, corporate and travel credit and charge cards and services and data and information services related to their use in the competitive markets for these cards.[59] The online “ American Express
American Express
@ Work” function gives corporations a site on which to apply for, cancel or suspend cards, monitor policy compliance and track expenses. The cardholder company can create and generate reports for a corporate expense account program, including analytics and data consolidation or integration.[60] Reports can be tailored for various sized companies. Through a Standard Expense Reporting feature in its "Manage Your Card Account site", American Express corporate cards provide cardholders access to pre-populated expense reports. The cardholder needs to annotate expenses and add out-of-pocket charges upon completion of which the report can be downloaded in electronic or paper format.[60] American Express
American Express
Corporate Card program can be used with a third-party on-demand expense management tool by Concur, a provider of integrated travel and expense management services. This tool simplifies the creation of expense account reports and the corporate approval process. Corporate card activity, including viewing statements, making payments, setting up alerts and making inquiries and disputing charges, can be managed through an account online or via mobile device through this service.[60] The corporate cards have benefits including discounts and rebates for travel and transportation, travel and emergency help, travel insurance and baggage protection.[60] Upgrades from the Corporate "Green" Card to the Corporate Gold Card or Corporate Platinum Card, although subject to fees and terms and conditions, have several additional benefits at each card level, such as free breakfast or late checkout at many hotels.[60] The American Express/Business Extra Corporate Credit Card is affiliated with American Airlines and provides a 4% rebate on eligible American Airlines travel purchased with the card.[60] American Express
American Express
has a specialized corporate meeting credit card.[61] Another specialized American Express
American Express
business card is the American Express Corporate Purchasing Card, which can be assigned to individual employees or departments. Reconciliation and accounting services are available to make these functions easier for the corporation.[62] Non-proprietary cards[edit] In December 2000, American Express
American Express
agreed to acquire the US$226 million credit card portfolio of Bank
Bank
of Hawaii, then a division of Pacific Century Financial Corp.[63] In January 2006, American Express sold its Bank
Bank
of Hawaii card portfolio to Bank
Bank
of America (MBNA). Bank of America will issue Visa and American Express
American Express
cards under the Bank of Hawaii name. Until 2004, Visa and MasterCard
MasterCard
rules prohibited issuers of their cards from issuing American Express
American Express
cards in the United States. This meant, as a practical matter, that U.S. banks could not issue American Express cards. These rules were struck-down as a result of antitrust litigation brought by the U.S. Department of Justice, and are no longer in effect.[64] In January 2004, American Express
American Express
reached a deal to have its cards issued by a U.S. bank, MBNA
MBNA
America.[65] Initially decried by MasterCard
MasterCard
executives as nothing but an "experiment", these cards were released in October 2004.[66] Some said that the relationship was going to be threatened by MBNA's merger with Bank
Bank
of America, a major Visa issuer and original developer of Visa (and its predecessor, BankAmericard). However, an agreement was reached between American Express
American Express
and Bank
Bank
of America on December 21, 2005.[67] Under the terms of the agreement, Bank
Bank
of America will own the customer loans and American Express
American Express
will process the transactions. Also, American Express
American Express
will dismiss Bank
Bank
of America from its antitrust litigation against Visa, MasterCard, and a number of U.S. banks. Finally, both Bank
Bank
of America and American Express
American Express
also said an existing card-issuing partnership between MBNA
MBNA
and American Express will continue after the Bank
Bank
of America- MBNA
MBNA
merger. The first card from the partnership, the no-annual-fee Bank
Bank
of America Rewards American Express
American Express
card, was released on June 30, 2006. Since then, Citibank, Wells Fargo, First National Bank
Bank
of Omaha, USAA, Synchrony Financial, and US Bancorp
US Bancorp
have started issuing American Express cards. Citi issues the Macy's
Macy's
and Bloomingdale's
Bloomingdale's
American Express cards along with Citi-branded cards. Wells Fargo
Wells Fargo
issues American Express
American Express
cards under their own brand and for Dillard's. US Bancorp issues American Express-branded cards for US Bank
Bank
along with Elan Card Services, a subsidiary that issues credit cards on behalf of small to midsize banks. Some credit unions, including PenFed, also issue American Express
American Express
cards. JPMorgan Chase
JPMorgan Chase
is the largest bank and the only Big Four bank in the US that does not partner with American Express. Instead, JPMorgan made the decision in 2013 to partner with Visa on the ChaseNet closed-loop network that is similar in terms of functionality to the American Express
American Express
network. Merchant account[edit] Many retailers do not accept American Express
American Express
cards.[68][specify] American Express
American Express
charges merchants significantly higher fees than other credit card providers.[69] In a court case United States
United States
v. American Express
American Express
Co., merchants filed a class action lawsuit against American Express
American Express
and claimed that charging high fees is a violation of the Sherman Antitrust Act.[70][71] According to the lawsuit, accepting American Express
American Express
cards costs merchants the most.[72] In January 2017, the 2nd U.S. Circuit Court of Appeals affirmed a lower court ruling that American Express
American Express
could block merchants that accept its cards from steering customers to other cards, like those offered by Visa and Mastercard.[73] In October 2017, the Supreme Court agreed to hear the antitrust case.[74] Non-card products[edit] Traveler's checks[edit] Amex is the largest provider of traveler's checks in the world.[citation needed] In 2005, American Express
American Express
released the American Express
American Express
Travelers Check Card, a stored-value card that serves the same purposes as a traveler's check, but can be used in stores like a credit card. AmEx discontinued the card of October 31, 2007, due to "changing market conditions" and issued refund checks to cardholders for the remaining balances. Shearson/American Express[edit] See also: Shearson/American Express

Shearson/American Express
Shearson/American Express
logo c. 1982

During the 1980s, American Express
American Express
began purchasing stock brokerage firms as part of an expansion. In mid-1981 it purchased Sanford I. Weill's Shearson Loeb Rhoades, the second largest securities firm in the United States
United States
to form Shearson/American Express. Shearson Loeb Rhoades, itself was the culmination of several mergers in the 1970s as Weill's Hayden, Stone & Co. merged with Shearson, Hammill & Co. in 1974 to form Shearson Hayden Stone. Shearson Hayden Stone
Shearson Hayden Stone
then merged with Loeb, Rhoades, Hornblower & Co. (formerly Loeb, Rhoades & Co. to form Shearson Loeb Rhoades
Shearson Loeb Rhoades
in 1979. With capital totalling $250 million at the time of its acquisition, Shearson Loeb Rhoades trailed only Merrill Lynch
Merrill Lynch
as the securities industry's largest brokerage firm. After its acquisition by American Express, the firm was renamed Shearson/American Express. In 1984, Shearson/American Express
Shearson/American Express
purchased the 90-year-old Investors Diversified Services, bringing with it a fleet of financial advisors and investment products. Also in 1984, American Express
American Express
acquired the investment banking and trading firm, Lehman Brothers
Lehman Brothers
Kuhn Loeb, and added it to the Shearson family, creating Shearson Lehman/American Express. In 1988, the firm acquired E. F. Hutton & Co., forming Shearson Lehman Hutton
Shearson Lehman Hutton
until 1990, when the firm's name became Shearson Lehman Brothers. When Harvey Golub took the reins in 1993 he negotiated the sale of Shearson's retail brokerage and asset management business to Primerica
Primerica
and in following year, spun off of the remaining investment banking and institutional businesses as Lehman Brothers
Lehman Brothers
Holdings Inc. Financial advisors[edit] On September 30, 2005, American Express
American Express
spun-off its American Express Financial Advisors unit, Ameriprise Financial, to its shareholders. On September 30, 2005, RSM McGladrey acquired American Express
American Express
Tax & Business Services (TBS).[75] International bank[edit] In 2008, Standard Chartered Bank
Bank
acquired American Express
American Express
Bank
Bank
Ltd, the international banking subsidiary of American Express
American Express
for US$823 million.[76][77][78][79][80] Travel[edit] American Express
American Express
established a Travel
Travel
Division in 1915 that tied together all earlier efforts at making travel easier, and soon established its first travel agencies. In the 1930s, the Travel Division had grown widely. Albert K. Dawson was instrumental in expanding business operations overseas, even investing in tourist relations with the Soviet Union. During World War I, Dawson was a photographer and film correspondent with the German army. Today, the Travel
Travel
Division focuses on business customers and business travel and supplies corporate travel management services as a travel management company. Publishing[edit] The American Express
American Express
Publishing Corporation
Corporation
published the Travel
Travel
+ Leisure, Food & Wine, Executive Travel, Black Ink, and Departures magazines until October 1, 2013, when it sold those titles to Time Inc.[81] It publishes American Express
American Express
Skyguide and is based in New York City.[82] As of February 2014, Time Inc.
Time Inc.
is restructuring the portfolio of publications.[83] Individual banking[edit] American Express
American Express
FSB (federal savings bank) is a direct bank offering a standard savings account to individuals. Checking account services are not provided. Advertising campaigns[edit] Don't Leave Home Without Them[edit] In 1975, David Ogilvy of Ogilvy & Mather developed the highly successful "Don't Leave Home Without Them" ad campaign for American Express Traveler's Cheques, featuring Oscar-award-winning actor Karl Malden. Malden served as the public face of American Express
American Express
Travelers Cheques for 25 years. In the UK, the spokesman was the television personality Alan Whicker. After Malden's departure, and as the card assumed importance over the traveler's cheques, American Express
American Express
continued to use celebrities, such as Mel Blanc
Mel Blanc
and ballerina Cynthia Gregory. A typical ad for the American Express
American Express
Card began with a celebrity asking viewers: "Do you know me?" Although he/she gave hints to his/her identity, the star's name was never mentioned except as imprinted on an American Express Card, after which announcer Peter Thomas told viewers how to apply for it. Each ad concluded with the celebrity reminding viewers: "Don't Leave Home Without It." The "Don't Leave Home Without It" slogan was revived in 2005 for the prepaid American Express
American Express
Travelers Cheque Card.[citation needed] The Adventures of Seinfeld & Superman[edit]

The Adventures of Seinfeld & Superman

American Express
American Express
continues to use celebrities in their ads. Some notable examples include a late 1990s ad campaign with comedian Jerry Seinfeld, including the two 2004 webisodes in a series entitled "The Adventures of Seinfeld & Superman." My life. My card.[edit] In late 2004, American Express
American Express
launched the "My life. My card." brand campaign (also by Ogilvy & Mather) featuring famous American Express cardmembers talking about their lives. The ads have featured actors Kate Winslet, Robert De Niro, Ken Watanabe, and Tina Fey; Duke University basketball coach Mike Krzyzewski; fashion designers Collette Dinnigan
Collette Dinnigan
and Diane von Fürstenberg; comedian and talk show hostess Ellen DeGeneres; golfer Tiger Woods; professional snowboarder Shaun White; tennis pros Venus Williams
Venus Williams
and Andy Roddick; Real Madrid manager José Mourinho; film directors Martin Scorsese, Wes Anderson, and M. Night Shyamalan; and most recently, singer Beyoncé.[citation needed] C F. Frost[edit] Many American Express
American Express
credit card ads feature a sample American Express Card with the name "C. F. Frost" on the front. This is not a fabricated name; Charles F. Frost was an advertising executive at Ogilvy & Mather.[84] Cause marketing[edit] American Express
American Express
was one of the earliest users of cause marketing, to great success.[85] A 1983 promotion advertised that for each purchase made with an American Express
American Express
Card, American Express
American Express
would contribute one penny to the renovation of the Statue of Liberty. The campaign generated contributions of $1.7 million to the Statue of Liberty restoration project. What would soon capture the attention of marketing departments of major corporations was that the promotion generated approximately a 28% increase in American Express
American Express
card usage by consumers. In May 2007, American Express
American Express
launched an initiative called the Members Project.[86][87] Cardholders were invited to submit ideas for projects, and were told American Express
American Express
was funding the winning project. Animals[edit] In 2007, a two-minute black-and-white ad, entitled "Animals" and starring Ellen DeGeneres, won the Emmy Award
Emmy Award
for Outstanding Commercial.[88][89] Cultural projects[edit] American Express
American Express
supports initiatives to enhance the architectural and cultural heritage, with the aim of raising awareness on the importance of historical and environmental conservation, through the restoration of historical monuments. American Express
American Express
is a founder sponsor of the global program "World Monuments Watch", launched in 1995 by World Monuments Fund. During the first edition of Corporate Art Awards, in 2016 American Express
American Express
received by pptArt the Corporate Art Award for its international restoration program [90]. Workplace[edit] Offices[edit]

Two rescue workers entering the American Express Tower
American Express Tower
following September 11 terrorist attack on World Trade Center.

Amex House
Amex House
in Brighton, England, was built in 1977.

American Express
American Express
Italy
Italy
HQ in Rome

In April 1986, American Express
American Express
moved its headquarters to the 51-story Three World Financial Center
Three World Financial Center
in New York City. After the events of September 11, 2001, American Express
American Express
had to leave its headquarters temporarily as it was located directly opposite to the World Trade Center and was damaged during the fall of the towers. The company began gradually moving back into its rehabilitated building in 2002. The company maintains major offices in Sunrise, Florida, Salt Lake City, and Phoenix, Arizona
Phoenix, Arizona
with its main data centers in North Carolina and Phoenix. AMEX Bank
Bank
of Canada was founded in 1853 in Toronto. It currently has 3,000 employees in its head office at Sheppard east of Highway 404 in Toronto
Toronto
(relocated from Markham, Ontario
Markham, Ontario
(a northern suburb of Toronto where it resided from 1985 to 2015), as well as an office in Hamilton, Ontario. The company began operations as a bank on July 1, 1990, following an order-in-council made by the Brian Mulroney
Brian Mulroney
government on November 21, 1988. This decision was not without controversy as federal banking policy at the time would not ordinarily have permitted American Express
American Express
to operate as a bank.[91] It is a member of the Canadian Bankers Association
Canadian Bankers Association
(CBA) and a registered member of the Canada Deposit Insurance
Insurance
Corporation
Corporation
(CDIC), the federal agency insuring deposits at all of Canada's chartered banks. American Express
American Express
has several offices in the UK, including a 9-story European Service Center, known as Amex House, in the Carlton Hill area of Brighton, England. It is a large white tower block, built in 1977 and surrounded by several other smaller offices around the city.[92] Amex House
Amex House
deals with card servicing, sales, fraud and merchant servicing. The official Europe, Middle East, and Africa HQ is located in the Belgravia
Belgravia
district of Westminster, in central London, at Belgrave House on Buckingham Palace Road, SW1; other UK offices are based in Sussex
Sussex
at Burgess Hill. In November 2009, Brighton
Brighton
and Hove City Council granted planning permission for American Express
American Express
to redevelop the Amex House
Amex House
site. The Japan, Asia-Pacific, and Australian Headquarters is co-located in Singapore, at 16 Collyer Quay, and in Sydney's King Street Wharf
King Street Wharf
area, with the new state-of-the-art building receiving greenhouse status due to the environmentally friendly workspace that it provides. The headquarters of the Latin America and Caribbean
Caribbean
division is in Fort Lauderdale, Florida. American Express
American Express
also has a significant presence in India. Its two centres are located at Gurgaon, Haryana
Haryana
and on Mathura Road in New Delhi. The Indian operations of American Express
American Express
revolves around the back office customer services operations apart from the credit card business for the domestic Indian Economy, arguably the American Express campus in Gurgaon
Gurgaon
is the largest employee location by head count for Amex and supports business continuity objectives of Amex including during Hurricane Sandy, the center works 24/7 and includes a co-located second building which was recently transferred to a third party service provider but does much work for Amex. Job satisfaction[edit] For 2008, American Express
American Express
was named the 62nd best company to work for in the United States
United States
by Fortune, ranking it number one for bank card companies.[93] In October 2008, Amex Canada Inc. was named one of Greater Toronto's Top Employers
Greater Toronto's Top Employers
by Mediacorp Canada Inc., which was announced by the Toronto
Toronto
Star newspaper.[94] Management and corporate governance[edit] The officers of the company are listed on the company's website as follows:[95]

Stephen J. Squeri: Chairman and Chief Executive Officer Douglas E. Buckminster: Group President, Global Consumer Services Jeffrey C. Campbell: Executive Vice President and Chief Financial Officer L. Kevin Cox: Chief Human Resources Officer Paul D. Fabara: President, Global Services Group Marc D. Gordon: Executive Vice President and Chief Information Officer Michael J. O’Neill: Executive Vice President, Corporate Affairs & Communications Denise Pickett: President, Global Risk, Banking & Compliance and Chief Risk Officer Elizabeth Rutledge: Executive Vice President and Chief Marketing Officer Laureen E. Seeger: Executive Vice President and General Counsel Anré Williams: Group President, Global Merchant & Network Services

The members of the company's board of directors are listed on the company's website as follows:[95]

Stephen J. Squeri: Chairman and CEO of American Express
American Express
Company Charlene Barshefsky: Senior International Partner at WilmerHale John J. Brennan: Chairman Emeritus and Senior Advisor of The Vanguard Group Ursula Burns: Chairman, VEON Supervisory Board Peter Chernin: Founder and CEO of The Chernin Group, LLC Ralph de la Vega: Chairman and Founder of the De La Vega Group Anne L. Lauvergeon: Founder and CEO of A.L.P. Michael O. Leavitt: Founder, Leavitt Partners, LLC Theodore J. Leonsis: Chairman and CEO, Monumental Sports & Entertainment, LLC Richard C. Levin: Senior Advisor and former CEO, Coursera Samuel J. Palmisano: Former Chairman, President and CEO, IBM Daniel L. Vasella: Honorary Chairman and former Chairman and CEO, Novartis AG Robert D. Walter: Founder and Former Chairman and Chief Executive Officer, Cardinal Health, Inc. Ronald A. Williams: Former Chairman and CEO of Aetna, Inc.

Ownership[edit] As of 2017, American Express
American Express
shares are mainly held by institutional investors (Berkshire Hathaway, Vanguard group, BlackRock, State Street Corporation
Corporation
and others.[96]) In popular culture[edit] These slogans have been parodied numerous times:

In The Sopranos
The Sopranos
episode, "Mr. & Mrs. John Sacrimoni Request...", Christopher Moltisanti concludes his sale of stolen credit card numbers to Middle Easterners with a quip: "Don't leave home without them!" This statement confuses the Middle Easterners, who are unfamiliar with the ad campaign. The long-running PBS
PBS
children's TV series Sesame Street
Sesame Street
parodied the "Do you know me?/Don't Leave Home Without It" ad campaigns with three skits involving a Muppet
Muppet
character holding a Grown-Up Friend's hand while crossing the street. One skit featured Forgetful Jones (performed by Richard Hunt) with Olivia (Alaina Reed Hall) as his Grown-Up Friend, a second featured Bert and Ernie ( Frank Oz
Frank Oz
and Jim Henson respectively) with Gordon (Roscoe Orman) as their Grown-Up Friend, and the third featured Big Bird
Big Bird
(Caroll Spinney) with Bob (Bob McGrath) as his Grown-Up Friend. All three skits ended with the grownups' names being embossed at the bottom of a card resembling an American Express
American Express
card that had a big human left hand in the middle, with the words "Grown-Up Friend's Hand" above it, and a voiceover saying "A Grown-Up Friend's Hand. Don't cross the street without it." Another parody was seen on an episode of the CBS
CBS
game show Press Your Luck, when the animated "Whammy Character" would give the "Do you know me?" tag line, followed by the display of an Amex card-parody, which then had "WHAMMY" typed in on the bottom line of the card. In the pilot episode of Masquerade, a KGB general says the line, "I suppose you never leave home without it", to a KGB agent when he sees that agent's "National American" card. In a campaign speech during the 1984 election, President Ronald Reagan said "If the big spenders get their way, they'll charge everything to your taxpayer's express card, and believe me, they never leave home without it." In the final episode of The Dukes of Hazzard, Boss Hogg is shot at by a former associate, the bullet striking a wallet he had kept in his pocket and being lodged in several credit cards. Narrator Waylon Jennings takes note of the situation and says, "I bet he's glad he didn't leave home without them" (referring to his credit cards). On the 1997 film Hercules during the song "Zero to Hero", the credit card is "Grecian Express". The 1989 movie Major League also parodied the campaign. In one scene, in which every player is dressed in a tuxedo, the Cleveland Indians tell viewers of the film why every player carries the American Express Card with much of the explanation done one line at a time by players Jake Taylor (Tom Berenger), Eddie Harris (Chelcie Ross), Rick "Wild Thing" Vaughn (Charlie Sheen), Pedro Cerrano (Dennis Haysbert), and Roger Dorn (Corbin Bernsen), and Manager Lou Brown (James Gammon). The scene ends with Willie "Mays" Hayes (a tuxedo-clad Wesley Snipes) sliding into home plate in front of the rest of the team, holding up his card and saying to the viewers: "The American Express
American Express
Card. Don't steal home without it." In the film Batman & Robin, Batman pulls out a Bat- Credit card
Credit card
and says he never leaves the cave without it. Yakov Smirnoff's book cover, America on Six Rubles a Day (ISBN 978-0-394-75523-6), depicts a Russian card with the slogan "Don't leave home."

See also[edit]

Companies portal

ATM Industry Association (ATMIA) 65 Broadway
65 Broadway
(Standard & Poors Building) American Express
American Express
Community Stadium American Express
American Express
Gold card dress of Lizzy Gardiner Damage waiver for rental cars History of Wells Fargo List of banks List of banks in United States

People

Franklin P. Buyer, Los Angeles
Los Angeles
City Council member, 1933–39, managed American Express
American Express
office

References[edit]

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Logo
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American Express
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American Express
cards?". The Straight Dope. Retrieved February 4, 2018.  ^ Hessekiel, David (January 31, 2012). "Cause Marketing Leaders of the Pack". Forbes. Retrieved 18 August 2013.  ^ "Members Project from American Express". Facebook. Retrieved January 9, 2012. ^ Peetu. " American Express
American Express
Rewards". American Express
American Express
Rewards. Archived from the original on December 19, 2011. Retrieved December 18, 2011.  ^ "59th Emmy Awards Nominees and Winners: Outstanding Commercial - 2007". Academy of Television Arts & Sciences. Retrieved February 4, 2018.  ^ Diaz, Ann-Christine (September 17, 2007). "American Express "Animals" earns the Emmy for Outstanding Commercial". Advertising Age. Retrieved February 4, 2018. (Subscription required (help)).  ^ "Winner of the 2016 edition of the Corporate Art Awards".  ^ Newman, Peter C. (July 30, 1990). "The brash new kid on the block". Maclean's. 103 (31): 33. (Subscription required (help)).  access-date= requires url= (help) ^ Collis, Rose (2010). The New Encyclopaedia of Brighton. (based on the original by Tim Carder) (1st ed.). Brighton: Brighton
Brighton
& Hove Libraries. p. 9. ISBN 978-0-9564664-0-2.  ^ "100 Best Companies to Work For". CNN Money. Retrieved October 9, 2008.  ^ "Reasons for Selection, 2009 Greater Toronto's Top Employers Competition". Eluta.ca.  ^ a b American Express: Officers & Directors ^ [" American Express
American Express
Company Ownership Summary" Check url= value (help). NASDAQ. Retrieved February 4, 2018. 

External links[edit]

Wikimedia Commons has media related to American Express.

Official website

Business data for American Express: Google
Google
Finance Yahoo! Finance Reuters SEC filings

v t e

American Express

Payment products

Accolades Cards Charge cards Credit cards ExpressPay Traveler's cheques Centurion
Centurion
Card Plum Card

Spun-off companies

Ameriprise Financial First Data
First Data
Corp. Lehman Brothers Merchants Despatch Railway Express Agency Warner-Amex Satellite Entertainment

Notable current and former executives

Henry Wells William Fargo J. C. Fargo Howard L. Clark Sr. Ralph Reed James D. Robinson III Louis V. Gerstner Jr. Sanford I. Weill Harvey Golub Kenneth Chenault Gary Crittenden

Corporate directors

Kenneth Chenault
Kenneth Chenault
(Chairman) Daniel Akerson Charlene Barshefsky Ursula Burns Peter Chernin Vernon Jordan
Vernon Jordan
Jr. Jan Leschly Rick Levin Edward D. Miller Frank Popoff Robert D. Walter Ron Williams

Other

The Adventures of Seinfeld & Superman American Express
American Express
Incentive Services Salad Oil Scandal World Monuments Watch 65 Broadway Falmer Stadium
Falmer Stadium
(The American Express
American Express
Community Stadium) Small Business Saturday Three World Financial Center

v t e

Credit, charge and debit cards

Major cards

American Express Diners Club MasterCard

Debit MasterCard Maestro

Visa

Visa Debit Visa Electron

Regional and specialty cards

Bancomat BC Card BCA Card Carte Bleue China UnionPay Dankort Discover EFTPOS Electronic Payment Services
Electronic Payment Services
(EPS) Girocard Interac Isracard JCB Mir MEPS NETS RuPay UATP V Pay Verve

Defunct cards

Access Bankcard Carte Blanche Choice enRoute Eurocard Everything Laser Rail Travel
Travel
Card Revolution Card Solo Switch

Accounts

Payment card number Card association Card enclosure Credit card
Credit card
balance transfer Credit limit Installment credit Revolving account Deposit account

Current/checking account Savings account

ATM card

Debt

Cash advance Charge-off Maxed out

Interest

Grace period Introductory rate Universal default

Payment

Card not present transaction Chargeback Controlled payment number Dispute

Interchange fee

Interchange fee Surcharge

Security

Card security code Chargeback fraud Credit card
Credit card
fraud Credit card
Credit card
hijacking Enculturation

Technology

Cash machine Chip and PIN Contactless payment Credit card
Credit card
terminal Interbank network Magnetic stripe card Smart card

v t e

Components of the Dow Jones Industrial Average

3M American Express Apple Boeing Caterpillar Chevron Cisco Systems Coca-Cola Disney DowDuPont ExxonMobil General Electric Goldman Sachs The Home Depot Intel IBM Johnson & Johnson JPMorgan Chase McDonald's Merck & Co. Microsoft Nike Pfizer Procter & Gamble Travelers UnitedHealth Group United Technologies Verizon Communications Visa Walmart

v t e

50 largest banks and bank holding companies in the United States

Ally American Express Bank
Bank
of America Bank
Bank
of New York Mellon Barclays* BB&T BBVA* BMO Harris* BNP Paribas* Capital One Charles Schwab CIT Citigroup Citizens Comerica Credit Suisse* Deutsche Bank* Discover E-Trade Fifth Third First Horizon Goldman Sachs HSBC* Huntington JPMorgan Chase KeyBank M&T* Morgan Stanley MUFG Union Bank* Mutual of Omaha New York Community Northern Trust People's United PNC Popular RBC* Regions Banco Santander* State Farm State Street SunTrust SVB Synchrony TD* TIAA U.S. Bancorp UBS* USAA Wells Fargo Zions

* indicates the U.S. subsidiary of a non-U.S. bank. Inclusion on this list is based on U.S. assets only, and is current as

.