UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~February~~ December 1423, ~~2019~~ 2020 (December 18, 2020)

AMERICAN EXPRESS CREDIT CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

~~1-6908~~

~~11-1988350~~

1-6908

11-1988350

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(IRS Employer Identification No.)

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

200 Vesey Street New York, New York

10285

(Address of principal executive offices)

(Zip Code)

~~Registrant's~~200 ~~telephone~~Vesey ~~number~~Street, ~~including area code: (212) 640-2000~~

~~Not~~New ~~Applicable~~York, New York 10285

(~~Former~~Address ~~name~~of orprincipal ~~former~~executive ~~address,~~offices ifand ~~changed~~zip ~~since last report~~code)

(212) 640-2000

(Registrant's telephone number, including area code)


Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

☐Securities ~~Soliciting~~registered ~~material~~ pursuant to ~~Rule~~Section ~~14a-~~12(b) ~~under~~of the ~~Exchange~~ Act ~~(17 CFR 240.14a-12)~~:

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

0.625 percent Senior Notes, due November 22, 2021

AXP/21

New York Stock Exchange

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2 1.0201 ~~Results~~Entry ofinto ~~Operations~~a Material Definitive Agreement

~~For~~On ~~the twelve months ended~~ December 3118, ~~2018~~2020, American Express Credit Corporation ~~will~~(the ~~report~~“Company”) (entered into a) ~~net~~First ~~income~~Amendment dated as of ~~$387~~December ~~million~~18, ~~compared~~2020 to ~~net~~its ~~loss~~Amended ofand ~~$603~~Restated ~~million~~Three-Year ~~for~~Credit ~~the~~Agreement ~~twelve~~dated ~~months~~as ~~ended~~of ~~December~~October 3115, ~~2017,~~2019 (bthe “Credit Agreement”) ~~provisions~~among ~~for~~the ~~losses~~Company, ofthe ~~$249~~banks ~~million~~party ~~compared~~thereto toand ~~$244~~Wells ~~million~~Fargo ~~for~~Bank, ~~the~~National ~~twelve~~Association, ~~months~~as ~~ended~~Administrative ~~December~~Agent. ~~31,~~The ~~2017~~Credit ~~and~~Agreement ~~(c)~~provides the Company with a ~~ratio~~revolving ofcredit ~~earnings~~facility towith ~~fixed~~a ~~charges~~borrowing capacity of 1$3,500,000,000.49 ~~compared~~The amendment to ~~1.50~~the ~~for~~Credit Agreement provides that the ~~twelve~~definition ~~months~~of ~~ended~~“Earnings ~~December~~Available ~~31,~~for ~~2017.~~Fixed ~~The~~Charges” ~~year~~will ~~ago~~include ~~period~~certain ~~included~~contributions ato ~~charge~~additional paid in capital of ~~$858~~the ~~million~~Company. Other ~~related~~terms toof the ~~Tax~~Credit ~~Cuts~~Agreement ~~and~~were ~~Jobs~~not ~~Act~~affected.

The foregoing description does not purport to be complete and is qualified in its entirety by reference to the First Amendment to the Credit Agreement, a copy of which is attached hereto as Exhibit 10.1 and incorporated herein by reference. A copy of the Credit Agreement was previously filed with the Company’s Quarterly Report on Form 10-Q for the fiscal quarter ended March 31, 2020.

Certain of the banks under the Credit Agreement, as amended, or their affiliates, have, and in the future may engage in business transactions with the Company or its affiliates and have provided, and may in the future from time to time provide, certain commercial and investment banking, financial advisory, and other services in the ordinary course of business for the Company and its subsidiaries, for which they have in the past and may in the future receive customary fees and commissions.


Item 9.01			Financial Statements and Exhibits
(d) Exhibits


Exhibit			Description
10.1			First Amendment dated as of December 18, 2020 to the Amended and Restated Three-Year Credit Agreement dated as of October 15, 2019.
104			The cover page of this Current Report on Form 8-K, formatted as inline XBRL.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


			AMERICAN EXPRESS CREDIT CORPORATION
			(REGISTRANT)

			By:			/s/ Douglas C. Turnbull
						Name: Douglas C. Turnbull
						Title: Secretary

Date: ~~February~~ December 1423, ~~2019~~2020

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