What is American Express?

American Express bills average around $680/month for a typical household. Payments via another bank's bill pay take 2 to 3 business days to credit; Amex's own Online Payment Centre credits same-day before 8 PM EST.

How to Get Cash Back on Your American Express Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add American Express as a payee: search "American Express" in Bills. It's typically listed as AMEX / AMERICAN EXPRESS / AMEX BANK OF CANADA.
3. Enter your card number: 15-digit American Express card number, Amex numbers are one digit SHORTER than Visa/Mastercard, see below for exactly where to find it.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your American Express Card Number

Format: 15-digit American Express card number, Amex numbers are one digit SHORTER than Visa/Mastercard. the front of your Amex card or the top of your monthly statement

Verified against www.americanexpress.com, July 2026.

Can I Pay American Express With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $680/month American Express bill, that's roughly $326 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your American Express Bill

Average $680/month: a 2% cash-back card returns about $13.60/month, and Neobanc adds $6.80 to $13.60 on top, roughly $326 per year for switching how you pay, not what you pay.

How do I save the most on my American Express bill each month?

Change how you pay before what you pay. Paying by bank transfer or Pre-authorized Payment Plan earns nothing; the same bill through Neobanc with a cash-back card returns about $326 a year. Missed payments mean interest keeps accruing (~21%+), your rate can increase, and 30+ day-late payments hit the bureaus. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.