Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Millions		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023
Cash Flows from Operating Activities
Net income		$ 7,959	$ 6,441
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for credit losses		3,893	3,486
Depreciation and amortization		1,248	1,229
Stock-based compensation		393	341
Deferred taxes		(917)	(1,227)
Other items	[1]	(333)	393
Originations of loans held-for-sale		0	(54)
Proceeds from sales of loans held-for-sale		0	59
Changes in operating assets and liabilities, net of effects of dispositions and acquisitions:
Other assets		(222)	(710)
Accounts payable & other liabilities		(3,749)	1,832
Net cash provided by operating activities		8,272	11,790
Cash Flows from Investing Activities
Sale of investments		35	1
Maturities and redemptions of investments		1,875	1,571
Purchase of investments		(1,210)	(1,173)
Net increase in loans and Card Member receivables	[2]	(11,945)	(15,462)
Purchase of premises and equipment, net of sales: 2024, $4; 2023, $1		(1,416)	(1,137)
Acquisitions, net of cash acquired		(90)	(64)
Dispositions, net of cash disposed		594	0
Net cash used in investing activities		(12,157)	(16,264)
Cash Flows from Financing Activities
Net increase in customer deposits		6,305	14,217
Net increase in short-term borrowings	[2]	169	269
Proceeds from long-term debt		12,519	13,148
Payments of long-term debt		(7,358)	(9,270)
Issuance of American Express common shares		49	23
Repurchase of American Express common shares and other		(4,989)	(2,749)
Dividends paid		(1,489)	(1,326)
Net cash provided by financing activities		5,206	14,312
Effect of foreign currency exchange rates on cash and cash equivalents		1	156
Net increase in cash and cash equivalents		1,322	9,994
Cash and cash equivalents at beginning of period		46,596	33,914
Cash and cash equivalents at end of period		$ 47,918	$ 43,908

[1] Primarily includes the gain recognized on the sale of Accertify (see Note 1), gains/losses on fair value hedges, changes in reserves, losses on tax credit investments, net gains and losses on Amex Ventures investments, and changes in equity method investments.

[2] Excludes an increase of $117 million related to non-cash activity during the three months ended March 31, 2023.