American Express National Bank is the primary banking subsidiary of American Express Company, responsible for consumer deposit products and domestic credit card issuance. Headquartered in Sandy, Utah, it operates as a digital-first bank offering high-yield savings accounts and certificates of deposit. The institution is a member of the FDIC and serves as the regulatory backbone for the company's US consumer lending activities.
Brand Authority Index (BAI): 92/100
Archetype: Challenger
Category: Financial Services
https://optimly.ai/brand/american-express-national-bank
Last analyzed: April 10, 2026
Founded: Specific charter established/renamed circa 2018 (merger of subsidiary banks)
Headquarters: Sandy, Utah, USA