Financial Performance - Revenue increased by 11% to $18426 million in Q3'25 compared to $16636 million in Q3'24[9] - EPS increased by 19% to $414 in Q3'25 compared to $349 in Q3'24[9] - Net card fees increased by 18% to $2551 million versus Q3'24, driven by growth in premium card portfolios[40, 81] - The company is raising FY2025 guidance to 9-10% revenue growth and EPS of $1520 - $1550[4] Billed Business Growth - Total billed business increased by 8% FX-adjusted in Q3'25[11] - U S Consumer Services billed business increased by 9% year-over-year in Q3'25[14] - International Card Services billed business increased by 13% year-over-year in Q3'25[19] Customer Acquisition and Engagement - Proprietary new cards acquired reached 32 million in Q3'25[24] - 72% of global new accounts acquired were on fee-paying products[24] - American Express cards are accepted at an estimated 160 million merchant locations worldwide, a nearly 5x increase since 2017[4] Credit Metrics - Reserves as a % of total loans & CM receivables is 29%[38] - 30+ Days Past Due is 13% of Card Member Loans and Receivables[33]

Core Insights - American Express has introduced significant enhancements to its U.S. Consumer and Business Platinum Cards, which are now available immediately [1] - The updated Platinum Cards provide expanded lifestyle and business benefits, offering access to over $3,500 in annual value [1] - A limited-edition mirror card design has also been launched as part of these enhancements [1] Summary by Category Lifestyle Benefits - The enhancements build on existing benefits for Consumer and Business Platinum Card Members, providing even more value in relevant categories such as travel, dining, and entertainment [1] Business Benefits - The updated cards are designed to cater to both consumer and business needs, reflecting a focus on maximizing value for cardholders [1]