Overview

American Express offers SCRA benefits on all their credit and charge cards. They also offer fee waivers on many premium cards for active duty military.

Contact Information
Military Benefits
1-800-253-1720
Mailing Address
American Express
Military Benefits
P.O. Box 981535
El Paso, TX 79998

Eligible Products

American Express offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Credit Cards: All American Express credit cards
  • Charge Cards: Platinum, Gold, Green, and other charge cards

How to File Your Claim

  1. 1

    Call Amex Military Line

    Contact 1-800-253-1720 for military benefits.

  2. 2

    Submit Orders

    Provide your military orders as requested.

  3. 3

    Receive Benefits

    Amex processes quickly and may waive annual fees too.

Required Documents

Document Checklist
Military Orders — Showing active duty start date

Processing Time

American Express typically processes SCRA requests within 14-21 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, American Express will calculate all excess interest paid since your service start date and issue a refund, typically as a statement credit or check.

Tips for Success

Pro Tips
  • Amex often waives annual fees in addition to SCRA rate cap
  • Ask about all available military benefits
  • They process requests very quickly

Get the 6% Rate Cap — We File for You

We handle the paperwork, calls, and follow-ups. One $59 filing covers American Express and all your other lenders.