American Express disclosed preliminary U.S. credit card loan performance statistics for the period ending December 31, 2025. The filing details the delinquency and net write-off rates for its U.S. Consumer and U.S. Small Business card member loan portfolios, showing a combined total of $131.0 billion in loans.
Key Details
- U.S. Consumer Portfolio: As of December 31, 2025, total loans were $100.2 billion, with a 30-day delinquency rate of 1.3%. The net write-off rate for the quarter was 2.1%.
- U.S. Small Business Portfolio: Total loans stood at $30.8 billion, with a 30-day delinquency rate of 1.7%. The net write-off rate for the quarter was 2.7%.
- Trend Overview: Compared to the prior two months, consumer delinquency rates slightly improved from 1.4% to 1.3%, while small business delinquencies saw a minor increase from 1.6% to 1.7%.