How much cash back will I earn on American Express?

On the average $680/month bill: $6.80 at 1% or $13.60 at 2% per month from Neobanc, up to $163 a year.

Neobanc CASHBACK

How to Get Cash Back on Your American Express bill

Pay your American Express bill through Neobanc by Interac e-Transfer and earn up to 2% cash back on every payment. Free to use, setup takes 2 minutes.

Set up your American Express bill

Get started now

Takes ~2 minutes · Works with any Visa or Mastercard · American Express qualifies

680

average monthly American Express

1-2%

Neobanc cash back, on top of card rewards

≈ $58/yr

back on this bill (cash back + 2% card rewards)

Quick answer:

Add American Express as a payee in Neobanc (American Express), enter your card number (15-digit American Express card number, Amex numbers are one digit SHORTER than Visa/Mastercard), and fund the payment by Interac e-Transfer (free). You'll earn 1% to 2% Neobanc cash back on every payment, up to $163 a year on a typical $680/month bill.

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

Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
Add American Express as a payee: search "American Express" in Bills. Banks and Neobanc list it as American Express.
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.
Fund the payment by Interac e-Transfer: free, from any Canadian bank account in your name. One-time or recurring.
Earn cash back on every payment: 1% to 2% 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?

No. You can't pay a credit card with another credit card through Neobanc. Credit card bills are funded by Interac e-Transfer from your bank account, which is free. What you gain is the cash back: paying American Express straight from your bank earns nothing, while the same payment routed through Neobanc earns 1% to 2% back. On a typical $680/month statement, that's up to $163 a year for the exact same bill.

The Math on Your American Express Bill

Average $680/month: Neobanc returns $6.80/month at the 1% rate, or $13.60/month on the 2% tier, up to $163 per year for changing how you pay, not what you pay. There is no fee: Interac e-Transfer funding is free.

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

Pay in full, and pay it through Neobanc. Paying by bank transfer or Pre-authorized Payment Plan earns nothing; the same payment through Neobanc earns up to $163 a year. Missed payments mean interest keeps accruing (~21%+), your rate can increase, and 30+ day-late payments hit the bureaus. Set a recurring Neobanc payment about a week before the due date: funds take 3 business days to process plus 1 to 3 business days for bill-pay delivery, and you earn on every cycle without running late.

Set up your American Express bill in 2 minutes

Join now and get a $50 bonus on your first $2,500 in bill payments.

Get started now

Frequently Asked Questions

Can I pay my American Express bill with a credit card?

No. Through Neobanc, credit card bills are funded by Interac e-Transfer from your bank account, which is free. You still earn 1% to 2% Neobanc cash back on every American Express payment.

Where do I find my American Express card number?

15-digit American Express card number, Amex numbers are one digit SHORTER than Visa/Mastercard. You'll find it on the front of your Amex card or the top of your monthly statement

Which payee do I choose for American Express?

Banks and Neobanc list it as American Express. Pick the one matching your service and enter your card number exactly as it appears.

How long does an American Express payment take through Neobanc?

Allow 3 business days for Neobanc to process your Interac e-Transfer, plus 1 to 3 business days for bill-pay delivery to the issuer. Schedule about a week before your statement due date.

Can I set up automatic payments for American Express?

Yes, set a recurring payment in Neobanc so every cycle earns cash back automatically (this replaces American Express's Pre-authorized Payment Plan).

Is there a fee to pay American Express through Neobanc?

No. Funding by Interac e-Transfer is free, so there is no fee to pay American Express through Neobanc, and you earn 1% to 2% cash back on top.

What happens if my American Express payment is late?

Missed payments mean interest keeps accruing (~21%+), your rate can increase, and 30+ day-late payments hit the bureaus.

Is there an American Express promo code?

Promotions come and go, but the evergreen discount is structural: 1% to 2% cash back on every American Express payment through Neobanc, funded free by Interac e-Transfer.

Get a $50 bonus on your bills