You can move your Amex due date by calling customer service or using your online account
American Express lets you change when your payment is due each month, and you can do it in two ways: call Amex directly at the number on the back of your card, or log into your account online and adjust it yourself. The change usually takes effect within one or two billing cycles. You can pick any day between the 1st and the 28th of the month—Amex does not offer the 29th, 30th, or 31st as options.
The reason to change your due date is usually timing: if your paycheck arrives on a different day, or if you have multiple bills clustered on the same date, moving your Amex due date can make it easier to pay on time without scrambling. There is no fee to change it, and you can change it again later if your situation shifts.
Key Takeaways
- Call the customer service number on your Amex card or log into your online account to request a due date change.
- You can choose any day from the 1st through the 28th of the month; Amex does not offer dates on the 29th or later.
- The new due date takes effect within one or two billing cycles, not immediately.
- Changing your due date does not affect your interest rate, credit limit, or any other account terms.
- You can change your due date as many times as you need at no cost.
Changing your due date online through your Amex account
Log into your American Express account at americanexpress.com or through the Amex mobile app. Once you are signed in, look for a section labeled "Account Settings," "Billing," or "Payment Options"—the exact name varies slightly depending on whether you use the website or the app. Click or tap into that section.
Find the option that says "Change Payment Due Date" or "Due Date." Select the new date you want from the calendar or dropdown menu. Amex will show you a confirmation screen with your current due date and the new one you have chosen. Review it, then confirm the change. You should see a message saying the change has been submitted. Write down or screenshot the confirmation number if one appears, though it is not required.
The new due date will show up on your next billing statement, which arrives roughly one to two weeks after you make the change. If you change your due date partway through a billing cycle, your current statement may still show the old date—the new one takes effect on the following statement.
Changing your due date by phone
Call the customer service number printed on the back of your American Express card. You will reach an automated system first; follow the prompts to speak with a representative. Tell them you want to change your payment due date and provide the new date you prefer (any day from the 1st to the 28th).
The representative will confirm your current due date, ask which date you want to move it to, and then process the change. They will give you a confirmation number and tell you when the new date takes effect. Keep that confirmation number in case you need to reference the change later. The entire call usually takes five to ten minutes.
If you call outside of Amex's business hours, you can leave a message or use the automated system to request a callback. Amex typically responds within one business day.
What happens to your current billing cycle when you change your due date
If you change your due date in the middle of a billing cycle, your current statement keeps its original due date. Only future statements will use the new date you selected. For example, if your statement closes on the 15th and is due on the 10th of the next month, and you change your due date to the 25th on the 8th, you still owe the payment by the 10th. The 25th due date starts on your next statement.
This matters because it means you cannot use a due date change to delay a payment that is already scheduled. If you need more time to pay an upcoming bill, contact Amex directly to discuss a payment plan or hardship option instead of changing your due date.
How changing your due date affects interest and fees
Moving your due date does not change your interest rate, annual fee, credit limit, or any other terms of your card. It is purely a scheduling change. Your payment still needs to arrive by the new due date to avoid a late fee, and if you carry a balance, interest still accrues daily on that balance regardless of when your due date falls.
If you have been paying your balance in full each month, changing your due date will not affect that—you will still owe the full statement balance by the new date. If you have been making minimum payments, the same minimum payment rules apply; the due date change does not lower what you owe.
If you cannot reach Amex or the change does not go through
If you try to change your due date online and get an error message, try again in a few hours or use the phone method instead. Technical glitches are rare but do happen. If you call and the representative says they cannot change your due date for some reason—which is uncommon—ask them to explain why and whether there is an alternative date you can use.
If you change your due date but it does not appear on your next statement, call Amex again with your confirmation number. They can verify whether the change was processed and resubmit it if needed. Keep records of any confirmation numbers or dates you were given so you have proof of what you requested.
Changing your due date if you have multiple Amex cards
If you hold more than one American Express card—such as a personal card and a business card, or two personal cards—each one has its own due date. You can set them all to the same date if you want, or keep them on different dates. When you change the due date, make sure you are in the right account or card section so you do not accidentally change the wrong card.
Some people align all their card due dates to the same day of the month to simplify bill paying. Others stagger them so they are not paying multiple cards in the same week. There is no right answer—choose whatever works best for your budget and cash flow.
Frequently Asked Questions
Can I change my due date to the 29th, 30th, or 31st of the month?
No. American Express only allows due dates from the 1st through the 28th. If you need a due date late in the month, the 28th is your latest option. This applies to all Amex card types.
How long does it take for a due date change to show up on my bill?
The new due date appears on your next billing statement, which arrives one to two weeks after you request the change. If you change your due date mid-cycle, your current statement keeps the old date; only future statements reflect the new one.
Will changing my due date hurt my credit score?
No. Changing your due date is an account management action and does not appear on your credit report. It does not affect your credit score as long as you continue to pay by the new due date.
What if I miss a payment after changing my due date?
A late payment is reported the same way regardless of what your due date is. If you miss the new due date, Amex will charge a late fee and report it to the credit bureaus. If you realize you will miss a payment, contact Amex before the due date to discuss options.
Can I change my due date more than once a year?
Yes. There is no limit to how many times you can change your due date. You can adjust it whenever your situation changes, though most people change it only once or twice a year.