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American Express Credit Card Jobs (NOW HIRING)

Made Card

Credit Risk Manager

New York, NY · On-site

$100K - $110K/yr

... credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley . We're building the financial and engagement platform for the next generation of homeowners ...

Made Card

Credit Risk Manager

New York, NY · Remote

$100K - $110K/yr

... credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley . We're building the financial and engagement platform for the next generation of homeowners ...

American Express

Director, Data Analytics

Manhattan, NY · On-site

$186K - $256K/yr

American Express Company seeks Director, Data Analytics to provide data-intensive, strategic ... credit card industry and charge card economics. Telecommuting is available up to 2 days per week.

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How much do american express credit card jobs pay per hour?

As of Aug 7, 2026, the average hourly pay for american express credit card in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 per hour, depending on experience, location, and employer.

What are some common challenges faced by customer service representatives working with American Express credit card clients?

Customer service representatives for American Express credit card clients often handle a high volume of inquiries related to account management, billing disputes, and fraud prevention. A common challenge is navigating complex customer situations while maintaining strict adherence to compliance and security protocols. Balancing empathy with efficiency is essential, as representatives must resolve issues quickly while ensuring a positive customer experience. The role also requires staying updated on frequent changes to products, policies, and technology platforms.

What are American Express credit cards?

American Express credit cards are financial products issued by American Express, a global payment company. These cards allow users to make purchases, earn rewards, and access various benefits such as travel insurance, purchase protection, and exclusive offers. American Express offers a range of credit cards tailored to different needs, including travel, cash back, and business expenses. Cardholders typically need to meet certain credit requirements to qualify, and annual fees and interest rates may vary depending on the card type.

What are the key skills and qualifications needed to thrive as a credit card customer service representative at American Express, and why are they important?

To thrive as a Credit Card Customer Service Representative at American Express, you need strong communication skills, problem-solving abilities, and a high school diploma or equivalent. Familiarity with CRM software, call center systems, and internal American Express platforms is typically required. Outstanding candidates exhibit patience, empathy, and the ability to remain calm under pressure while addressing customer concerns. These skills ensure exceptional customer experiences, efficient issue resolution, and support the company's reputation for superior service.

What is the difference between American Express Credit Card vs Customer Service Representative?

AspectAmerican Express Credit CardCustomer Service Representative
Primary RoleProvides credit card services, manages accounts, promotes card benefitsAssists customers with inquiries, resolves issues, provides product information
Required SkillsFinancial knowledge, sales skills, customer serviceCommunication skills, problem-solving, patience
Work EnvironmentOffice, call centers, online platformsCall centers, customer support centers, remote options
Industry UsageFinancial services, banking, credit card companiesRetail, banking, financial services

While both roles involve customer interaction, the American Express Credit Card role focuses on managing credit card products and sales, whereas Customer Service Representatives handle customer inquiries and support across various products. Both require strong communication skills and are common in financial and retail industries.

More about American Express Credit Card jobs
What cities are hiring for American Express Credit Card jobs? Cities with the most American Express Credit Card job openings:
What states have the most American Express Credit Card jobs? States with the most job openings for American Express Credit Card jobs include:
What job categories do people searching American Express Credit Card jobs look for? The top searched job categories for American Express Credit Card jobs are:
American Express Credit Card jobs near you
Infographic showing various American Express Credit Card job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, and 4% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.

Campus Undergraduate Summer Internship Program - 2027 Commercial Rating & Underwriting, Credit & ...

American Express

Salt Lake City, UT

Full-time

Posted 4 days ago

American Express rating

8.6

Company rating: 8.6 out of 10

Based on 37 frontline employees who took The Breakroom Quiz

23rd of 150 rated financial services

Job description

Business Unit/Role Specific Info 

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing. 

Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk (CFR) division within American Express. The Commercial Rating and Underwriting (CRU) team plays a critical role in assessing and managing the risk of institutional exposures across all business areas of American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, and Sydney.

In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must align with the highest global banking standards set by the bank's primary regulator, the Federal Reserve. 

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

  • Competitive base salaries
  • Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
  • Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
  • Free and confidential counselling support through our Healthy Minds program
  • Career development and training opportunities

    For a full list of Team Amex benefits, visit out Colleague Benefits Site.

    American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

    We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

    US Job Seekers - Click to view the "Know Your Rights" poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

    The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.

    Minimum Requirements 

    • Currently enrolled in a full-time undergraduate degree program (Bachelors)

    • Expected graduation date between December 2027 and June 2028

    Preferred Requirements 

    • Student working on a bachelor's degree or substantial coursework in finance, accounting, economics, or statistics a plus

    • Understanding of fundamental financial analysis including the ability to review corporate financial documents to determine the ability of the obligor to honor its credit requirements

    • Comfortable with GAAP/IFRS accounting standards, corporate valuation, and forecasting

    • Comfortable with public agency ratings and supporting analysis

    • Understanding of current macroeconomic trends and how to provide recommendations to improve the probability of default (PD) estimation based on the business cycle

    • Experience preparing company-specific and industry-wide credit memorandums

    • Familiarity with global markets (foreign language ability a plus)

    • Confident and persuasive written and verbal communicator

    How will you make an impact in this role?  

    • Rate and underwrite credit exposures within the assigned region, industry, and business line.

    • Conduct fundamental analysis through a thorough review of:

      • Business operations

      • Financial performance

      • Industry and country risk

    • Utilize outputs from internal and external rating models to support credit decisions.

    • Assess the need for credit extension by evaluating:

      • Relationship profitability

      • Program structures

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