AMERICAN EXPRESS CO
For the period ended Dec 31, 2025. Filed Feb 6, 2026.
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FY2025 · Filed Feb 6, 2026
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– Service Fees and Other Revenue and Other Expenses
NOTE 17
SERVICE FEES AND OTHER REVENUE AND OTHER EXPENSES
The following is a detail of Service fees and other revenue for the years ended December 31:
TABLE 17.1: COMPONENTS OF SERVICE FEES AND OTHER REVENUE
| (Millions) | 2025 | 2024 | 2023 |
|---|---|---|---|
| Network partnership revenue (a) | $1,773 | $1,636 | $1,705 |
| Loyalty coalition, merchant and other service fees (b) | 1,711 | 1,609 | 1,518 |
| Foreign currency-related revenue | 1,697 | 1,527 | 1,428 |
| Delinquency fees | 966 | 941 | 963 |
| Travel commissions and fees | 625 | 596 | 637 |
| Other fees and revenues | 700 | 456 | 459 |
| Total Service fees and other revenue (a) | $7,471 | $6,765 | $6,710 |
(a)Beginning in 2025, network partnership revenue, previously reported as Processed revenue on our Consolidated Statements of Income, is consolidated within Service fees and other revenue. Prior period amounts have been recast to conform to the current period presentation.
(b)Beginning in 2025, the revenue line previously reported as Service fees was renamed to Loyalty coalition, merchant and other service fees to better reflect its nature and components.
The following is a detail of Other expenses for the years ended December 31:
TABLE 17.2: COMPONENTS OF OTHER EXPENSE
| (Millions) | 2025 | 2024 | 2023 |
|---|---|---|---|
| Data processing and equipment | $2,986 | $2,888 | $2,805 |
| Professional services | 2,424 | 2,274 | 2,029 |
| Gain on sale of Accertify (a) | — | (531) | — |
| Other | 1,577 | 1,733 | 1,973 |
| Total Other expenses | $6,987 | $6,364 | $6,807 |
(a)Refer to Note 1 for additional information.
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