The toll-free way to pay friends and family with your Amex card


Tired of paying fees when using a credit card to pay friends and family through Venmo or PayPal? Amex has a solution for this.

In today’s hectic world, it’s not uncommon for someone to charge the entire bill to their credit card when out with friends or family. The other friends will then repay their share of the bill later. If you have an American Express card, you’ll be pleased that there is a simple feature that allows you to split up your expenses and repay family and friends. The best part is that there are no fees. This tool is integrated into the American Express app. Read on to learn how you can use your Amex card to send money to friends and family for free.

It is now easier than ever for Amex credit card holders to split expenses and return money to others. Amex has a tool called “Send & split“and works with Venmo and PayPal. This handy tool has two functions:

  • Cardholders can split a charge that has been charged to their card. All they have to do is tap on a load and then hit “Split It”. The app then guides the user through dividing the load among several people. Friends can pay you back the money via Venmo or PayPal and you can have the money sent directly to your card as a bank statement. If you prefer, you can choose to get paid to your linked Venmo or PayPal accounts. You are entitled to collect reward points for the purchase originally billed, even if you use the “Split” function.
  • Cardholders can send money to friends and family without paying any transaction fees. There are no fees for sending money to US recipients. However, PayPal may charge a fee when sending money to recipients outside of the United States. It’s an easy way to quickly repay loved ones without worrying about additional fees. Since these payment processing companies typically charge a fee when sending money with a credit card, this can save you money easily. While this is an excellent tool, it is important to note that you will not earn any reward points using this feature.

Why is Send & Split beneficial? You may find it difficult to get paid back for expenses you charge while traveling with others. The “Split It” feature makes it easy to get paid quick and you don’t have to mess with friends who forget to pay you. The ability to repay friends and family with a credit card without paying additional fees is another convenience. You can pay quickly and directly via the American Express app.

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Tips for Success

  1. Do not charge more than you can afford. While this Send & Split tool is easy to use and offers added convenience, you want to make sure that you always keep an eye on your credit card balance and spending limit before agreeing to calculate a combined bill when you’re with friends or the family are traveling. Good financial responsibility is important to your creditworthiness and your future.
  2. Make sure your friends and family have US-based accounts. If you want to use your Amex credit card to send money to your friends or family, you need to make sure they have a US account so this is truly a no-fee option.

If you have one of the best Amex credit cards and want to make it easier to split up expenses and repay others, you should take advantage of Send & Split. It’s a quick and easy way to better manage your money.


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