UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

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                                    FORM 8-K

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                                 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 13, 2007

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

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

    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

                                      NONE
          (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:

[ ]  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))



ITEM 8.01   OTHER EVENTS.

     On November 30, 2006, American Express Company (the "Company") entered into
an Agreement and Plan of Merger and Reorganization (the "Merger Agreement") by
and among the Company; Cove Acquisition Sub, Inc., a wholly owned subsidiary of
the Company; Harbor Payments, Inc. ("Harbor"); Oak Investment Partners XI,
Limited Partnership and Oak Associates, LLC, pursuant to which the Company
agreed to acquire Harbor (the "Merger"). On December 31, 2006, the Company
completed the Merger. Under the terms of the Merger Agreement, the former Harbor
stockholders received unregistered common shares of the Company (the "Merger
Shares").

     On February 13, 2007, the Company intends to file a prospectus supplement
with the Securities and Exchange Commission (the "SEC") pursuant to Rule
424(b)(7) of the Securities Act of 1933, as amended, with respect to its
automatic shelf registration statement on Form S-3 (No. 333-138032) (the
"Registration Statement") to register the resale of an additional 135,208 of the
Merger Shares by selling shareholders from time to time.

     The Company is filing a legal opinion attached hereto as Exhibit 5.1
regarding the legality of the common shares covered by the prospectus
supplement, to be incorporated by reference into the Registration Statement.


ITEM 9.01   FINANCIAL STATEMENTS AND EXHIBITS.

     (d)   Exhibits

           The following exhibit is attached hereto and filed herewith.

EXHIBIT NO.           DESCRIPTION

    5.1            Opinion of Counsel

                                        2


                                   SIGNATURES

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


Date:  February 13, 2007




                                        AMERICAN EXPRESS COMPANY

                                        By: /s/ Stephen Norman
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                                            Stephen Norman
                                            Secretary

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                                  EXHIBIT INDEX


EXHIBIT NO.           DESCRIPTION

    5.1            Opinion of Counsel.