Does American Express Have Two-Step Verification?

American Express recently introduced an enhanced login security feature called Two-Factor Authentication for online accounts This added layer requires cardmembers to enter a one-time password sent via email or text when signing in, in addition to their username and password.

Two-factor authentication, often abbreviated as 2FA, has become an industry standard among financial institutions and online platforms. By requiring two forms of identity verification, it prevents unauthorized access even if one factor is compromised.

How Two-Factor Authentication Works at American Express

Here’s a quick rundown of how two-step verification works for American Express cardmembers:

• When logging into your online account, after entering username and password, you’ll be prompted to enter a one-time password sent to your email or mobile number (your choice).

• The one-time password is randomly generated and is only valid for that particular login attempt.

• You can choose to have American Express remember the device you’re using as “trusted.” Then you won’t need the code every time on that same device.

• If logging in from a new or untrusted device, you’ll have to enter the one-time code each time.

• SMS text verification is not available for Global Dollar Card and International Euro Card account holders. Only email authentication is supported currently.

• Users cannot skip enrollment when first prompted. However, enrollment just involves verifying prepopulated info and creating a 6-9 digit security code.

Why American Express Uses Two-Factor Authentication

American Express states that Two-Factor Authentication meets their commitment to bring security standards up to industry best practices. Specifically, it helps:

• Prevent unauthorized access to sensitive cardmember data and account information.

• Protect against malicious account takeovers by cybercriminals.

• Comply with regulatory requirements for identity verification.

• Give cardmembers added peace of mind about their financial data security.

• Bring American Express in line with competitors like Visa and Mastercard that have already implemented two-step login protections.

How Cardmembers Can Enroll in Two-Factor Authentication

Enrolling in Two-Factor Authentication is simple for American Express cardmembers:

• You’ll automatically be prompted to enroll the next time you log into your online account.

• Verify your personal details like name and email address are correct.

• Create a 6-9 digit Security Code. This enables account recovery if you forget your login credentials later.

• Enter a mobile number (optional). This allows one-time passwords to be sent via text message.

• Follow the on-screen instructions to complete enrollment.

Once enrolled, you’ll just need to enter the one-time password sent to your chosen method whenever logging in from a new device.

Many cardmembers appreciate the extra security and find two-step login seamless after initial enrollment. Of course, you can always contact American Express customer service if you need any assistance with the setup process.

The Bottom Line

The added protection helps prevent unauthorized access and cybercrime by verifying identity through two channels. While an extra step, two-step verification provides important security that’s become standard across the finance industry.