Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash Flows from Operating Activities
Net income	$ 367	$ 1,550
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provisions for credit losses	2,621	809
Depreciation and amortization	337	297
Deferred taxes and other	333	137
Stock-based compensation	43	85
Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:
Other assets	309	(357)
Accounts payable & other liabilities	(6,229)	6,026
Net cash (used in) provided by operating activities	(2,219)	8,547
Cash Flows from Investing Activities
Maturities and redemptions of investment securities	4,376	2,227
Purchase of investments	(997)	(4,060)
Net decrease (increase) in Card Member loans and receivables, and other loans	18,883	(656)
Purchase of premises and equipment, net of sales	(335)	(348)
Acquisitions/dispositions, net of cash acquired	0	(20)
Other investing activities	0	148
Net cash provided by (used in) investing activities	21,927	(2,709)
Cash Flows from Financing Activities
Net increase in customer deposits	4,701	2,892
Net decrease in short-term borrowings	(2,880)	(1,099)
Proceeds from long-term debt	0	3,633
Payments of long-term debt	(5,849)	(3,821)
Issuance of American Express common shares	16	19
Repurchase of American Express common shares and other	(1,023)	(1,352)
Dividends paid	(383)	(355)
Net cash used in financing activities	(5,418)	(83)
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash	(128)	68
Net increase in cash, cash equivalents and restricted cash	14,162	5,823
Cash, cash equivalents and restricted cash at beginning of period	24,446	27,808
Cash, cash equivalents and restricted cash at end of period	$ 38,608	$ 33,631