The advent of American Express's Amex OptBlue introduced in early 2015 allows us to start listing Amex pricing on this page, as well. Like card brand charges for Visa, MasterCard and Discover, the charges listed below are paid to American Express.


  • 0.15% - Assessment / Sponsorship Fee The assessment applies to gross American Express card volume.

  • 0.30% - Card-Not-Present (CNP) Surcharge The American Express card-not-present surcharge applies to gross card-not-present volume, such as keyed and e-commerce transactions. The CNP surcharge is charged in addition to to the sponsorship fee of 0.15%, making Amex's total assessment on card-not-present volume 0.45%.

  • 0.40% - International Assessment The American Express international assessment applies to gross sales volume involving a card issued outside of the United States.