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  <xs:element id="axp_DebtAndEquitySecuritiesUnrealizedLoss" abstract="false" name="DebtAndEquitySecuritiesUnrealizedLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_SecuritizedTrustsTable" abstract="true" name="SecuritizedTrustsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="axp_AmericanExpressLendingTrustMember" abstract="true" name="AmericanExpressLendingTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_AmericanExpressChargeTrustMember" abstract="true" name="AmericanExpressChargeTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_SecuritizedTrustsLineItems" abstract="true" name="SecuritizedTrustsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_DirectAndIndirectOwnershipOfVariableInterests" abstract="false" name="DirectAndIndirectOwnershipOfVariableInterests" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_CreditBalancesAxis" abstract="true" name="CreditBalancesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="axp_CreditBalancesDomain" abstract="true" name="CreditBalancesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_CardMemberCreditBalancesMember" abstract="true" name="CardMemberCreditBalancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_ThirdPartyCertificatesOfDeposit" abstract="false" name="ThirdPartyCertificatesOfDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_ThirdPartySweepAccounts" abstract="false" name="ThirdPartySweepAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_OtherInterestAndNoninterestBearingDepositLiabilities" abstract="false" name="OtherInterestAndNoninterestBearingDepositLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_ViolationOfFederalAntitrustLawAndConsumerLawsClassActionCaseMember" abstract="true" name="ViolationOfFederalAntitrustLawAndConsumerLawsClassActionCaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_KabbageAcquisitionMember" abstract="true" name="KabbageAcquisitionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_DavidMoskowitzEtAl.Member" abstract="true" name="DavidMoskowitzEtAl.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_DavidMoskowitzEtalMember" abstract="true" name="DavidMoskowitzEtalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_KServicingWindDownCorp.Member" abstract="true" name="KServicingWindDownCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_LossContingencyNumberOfStatesWithRemainingClaims" abstract="false" name="LossContingencyNumberOfStatesWithRemainingClaims" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="axp_FixedRateDebtObligationsMember" abstract="true" name="FixedRateDebtObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_MarginOnInterestRateSwapNotNetted" abstract="false" name="MarginOnInterestRateSwapNotNetted" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_NetIncreaseDecreaseToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" abstract="false" name="NetIncreaseDecreaseToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_GainLossInChangesOfFairValueOfDerivativesNotDesignatedAsHedges" abstract="false" name="GainLossInChangesOfFairValueOfDerivativesNotDesignatedAsHedges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_CardBalancesAndOtherLoansMember" abstract="true" name="CardBalancesAndOtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_CardMemberLoansHeldForSaleMember" abstract="true" name="CardMemberLoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" abstract="true" name="FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_AssetsCarriedAtOtherThanFairValueAbstract" abstract="true" name="AssetsCarriedAtOtherThanFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" abstract="false" name="FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" abstract="true" name="LiabilitiesCarriedAtOtherThanFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_FairValuesTextualsAbstract" abstract="true" name="FairValuesTextualsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_AccumulatedOtherComprehensiveLossIncomeTaxImpactChangeDisclosureAbstract" abstract="true" name="AccumulatedOtherComprehensiveLossIncomeTaxImpactChangeDisclosureAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_ScheduleOfRevenueSourcesTable" abstract="true" name="ScheduleOfRevenueSourcesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="axp_NonInterestRevenuesLineItems" abstract="true" name="NonInterestRevenuesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_ForeignExchangeConversionRevenue" abstract="false" name="ForeignExchangeConversionRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_NetworkPartnershipRevenue" abstract="false" name="NetworkPartnershipRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_LoyaltyCoalitionMerchantAndOtherServiceFees" abstract="false" name="LoyaltyCoalitionMerchantAndOtherServiceFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_TravelCommissionsAndFees" abstract="false" name="TravelCommissionsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_OtherFeesAndRevenues" abstract="false" name="OtherFeesAndRevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_OtherNetExpenses" abstract="false" name="OtherNetExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_IncomeTaxEstimationEstimationExpenseTypeAxis" abstract="true" name="IncomeTaxEstimationEstimationExpenseTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="axp_IncomeTaxEstimationEstimationExpenseTypeDomain" abstract="true" name="IncomeTaxEstimationEstimationExpenseTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_PenaltiesMember" abstract="true" name="PenaltiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_NetIncomeAttributableToCommonShareholdersAbstract" abstract="true" name="NetIncomeAttributableToCommonShareholdersAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_NetIncomeAvailableToCommonShareholders" abstract="false" name="NetIncomeAvailableToCommonShareholders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_USConsumerServicesSegmentMember" abstract="true" name="USConsumerServicesSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_CommercialServicesSegmentMember" abstract="true" name="CommercialServicesSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_GlobalMerchantAndNetworkServicesSegmentMember" abstract="true" name="GlobalMerchantAndNetworkServicesSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_CorporateAndEliminationsMember" abstract="true" name="CorporateAndEliminationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="axp_NumberOfReportableSegmentsNotDisclosedFlag" abstract="false" name="NumberOfReportableSegmentsNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="axp_CardMemberRewardsBusinessDevelopmentAndCardMemberServices" abstract="false" name="CardMemberRewardsBusinessDevelopmentAndCardMemberServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="axp_LaborAndRelatedExpenseIncludingOtherNoninterestExpense" abstract="false" name="LaborAndRelatedExpenseIncludingOtherNoninterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
