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): November 7, 2002


                           AMERICAN EXPRESS COMPANY
            (Exact name of registrant as specified in its charter)


          New York                      1-7657                 13-4922250
-----------------------------  ------------------------    -------------------
(State or other jurisdiction   (Commission File Number)     (I.R.S. Employer
     of incorporation or                                   Identification No.)

       200 Vesey Street, World Financial Center
                  New York, New York                       10285
       ----------------------------------------          ----------
       (Address of principal executive offices)          (Zip Code)

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

         (Former name or former address, if changed since last report)


Item 9.  Regulation FD Disclosure.

In the  Company's  Current  Report on Form 8-K,  dated  November 7, 2002,  which
contained a  presentation  made at the  Forrester  Research  Executive  Strategy
Forum, it was stated that on a worldwide basis, cardmembers have enrolled almost
10 million American  Express cards in the Company's online account service,  and
that online enrollment represented almost 18% of the Company's global card base,
including  consumer,  corporate  and small  business  cardmembers.  Upon further
review of the  underlying  data,  the  Company  now  believes  that the  numbers
reported  should have been  approximately 8 million cards enrolled in the online
account  service,  representing  approximately  15% of the Company's global card
base.  This  change  does not  affect  any  other  data  that  was  cited in the


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 COMPANY

                                       By:    /s/ Stephen P. Norman
                                       Name:  Stephen P. Norman
                                       Title: Secretary

DATE: December 5, 2002