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                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549
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                                   FORM 8-K

                                CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the
                        Securities Exchange Act of 1934

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      Date of Report (Date of earliest event reported): January 27, 2003
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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
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(State or other jurisdiction   (Commission File Number)     (I.R.S. Employer
     of incorporation or                                   Identification No.)
        organization)


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


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

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



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Item 5.   Other Events.

On January 27, 2003, the Registrant issued a press release announcing its 2002
fourth quarter and full year earnings and distributed a 2002 Fourth
Quarter/Full Year Earnings Supplement. Such press release is filed herein as
Exhibit 99.1, and such Earnings Supplement is filed herein as Exhibit 99.2.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

        (c)     Exhibits

         99.1   Press release of American Express Company announcing its 2002
                fourth quarter and full year earnings, dated January 27, 2003.

         99.2   2002 Fourth Quarter/Full Year Earnings Supplement of American
                Express Company.



                                   SIGNATURE

     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
                                       (REGISTRANT)

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

DATE:   January 27, 2003


                                 EXHIBIT INDEX

Item No.                          Description
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    99.1   Press release of American Express Company announcing its 2002
           fourth quarter and full year earnings, dated January 27, 2003.

    99.2   2002 Fourth Quarter/Full Year Earnings Supplement of American
           Express Company.