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Rich American Express customers continue to spend freely, with one exception

Why This Matters

American Express said Friday that travel spending in the quarter was weaker than transactions for goods and services.

July 18, 2025
06:45 PM
2 min read
AI Enhanced

What stands out here is American Express said Friday that travel spending in the quarter was weaker than transactions for goods and services.

Economy class domestic airfare is the source of the weakness, Amex CFO Christophe Le Caillec told CNBC. Watch now1:4901:49American Express sees record member spending (quite telling).

Here's what we knowMoney MoversAmerican Express has long benefited from a focus on wealthier customers who appreciate the credit card company's travel and dining perks.

Nevertheless, Conversely, That has helped insulate the company from concerns over a spending slowdown.

In the second quarter, total spending on Amex cards jumped 7%, matching the first quarter and higher than the 6% increase a year ago.

But travel spending in the quarter was weaker than transactions for goods and services, and that's specifically because airline spending has stalled out, coming in flat from a year ago, American Express said Friday.

Economy class domestic airfare is the source of the weakness, Amex CFO Christophe Le Caillec told CNBC, in this volatile climate.

American Express said spending on premium cabins was up 10% from the previous year and that hotel bookings that cost more than $5,000 were up 9%, in today's financial world.

But the weak spot could be of concern given the company's airline partnerships and network of airport lounges, Truist analyst Brian Foran noted, in this volatile climate.

Airfare prices have also declined, which means consumers are spending less when they buy tickets (noteworthy indeed). Airfare fell 3.

5% in June from a year earlier while inflation overall rose, according to the Bureau of Labor Statistics.

Despite beating expectations for second-quarter fit and revenue, and reaffirming its 2025 guidance for those metrics, s of Amex fell 2. 5% in midday trading, in today's market environment.

Year to date, the company's s have climbed less than 4%, trailing most other financials JPMorgan Chase and Citigroup.

That's mostly over investor concerns the spending on rewards grams that Amex has to do as it launches a refreshed Platinum card, Foran said.

The company faces increased competition in the premium card space from JPMorgan, Capital One and Citigroup, he said.

"The bear narrative is they have to push harder and harder to get growth, spending more to get more," Foran said (an important development), in today's financial world.

On the other hand, Watch now2:1402:14JP Morgan Raises Sapphire Reserve Fee to $795 with New PerksWorldwide Exchange.

FinancialBooklet Analysis

AI-powered insights based on this specific article

Key Insights

  • Inflation data often serves as a leading indicator for consumer spending and corporate pricing power
  • Financial sector news can impact lending conditions and capital availability for businesses
  • Consumer sector trends provide insights into economic health and discretionary spending patterns

Questions to Consider

  • What does this inflation data suggest about consumer purchasing power and corporate margins?
  • Could this financial sector news affect lending conditions and capital availability?
  • What does this consumer sector news reveal about economic health and spending patterns?

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