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  <xs:element id="axp_EBPNumberOfInvestmentOptions" abstract="false" name="EBPNumberOfInvestmentOptions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="axp_EBPNumberOfInvestmentOptionsActivelyManaged" abstract="false" name="EBPNumberOfInvestmentOptionsActivelyManaged" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="axp_EBPNumberOfInvestmentOptionsPassivelyManaged" abstract="false" name="EBPNumberOfInvestmentOptionsPassivelyManaged" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="axp_EBPInvestmentContributionMinimumIncrementPercent" abstract="false" name="EBPInvestmentContributionMinimumIncrementPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="axp_EBPEmployeeContributionsMaximumFutureContributionPercentInCompanyStockFund" abstract="false" name="EBPEmployeeContributionsMaximumFutureContributionPercentInCompanyStockFund" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="axp_EBPEmployeeContributionsMaximumPlanBalancePercentInCompanyStockFund" abstract="false" name="EBPEmployeeContributionsMaximumPlanBalancePercentInCompanyStockFund" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="axp_EBPNumberOfInvestmentOptionsActivelyManagedRepresentingBroadAssetClass" abstract="false" name="EBPNumberOfInvestmentOptionsActivelyManagedRepresentingBroadAssetClass" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="axp_InvestmentsAtFairValueMember" abstract="true" name="InvestmentsAtFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_USTreasuryAndGovernmentFairValueMember" abstract="true" name="USTreasuryAndGovernmentFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_CommonCollectiveTrustFairValueMember" abstract="true" name="CommonCollectiveTrustFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_EBPPrivatePlacementSecuritiesMember" abstract="true" name="EBPPrivatePlacementSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_InvestmentsAtContractValueMember" abstract="true" name="InvestmentsAtContractValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
