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Tap with your Phone. Pay with your Card.

American Express® Card Members can pay on the go by adding their Cards* to Softcard™.

What is Softcard?

Softcard is a mobile app that allows you to tap and pay with your smartphone. It stores your participating credit and loyalty cards on your phone. So simply tap your phone to pay at any store that accepts contactless payments.

Quick & Convenient

Your smartphone is always with you — now American Express enables you to pay with it using Softcard. You can simply tap your phone to pay and be on your way.

Extraordinary Benefits

Softcard holds offers and participating store loyalty programs so they are always with you. You also get all the benefits and rewards of your Card when you use the app.

Added Peace of Mind

You get the same valuable service and protection from American Express when you use your Card in Softcard. Plus, the app is protected by a 4-digit PIN, helping ensure your Cards are secure.


Where Can I Use Softcard?

Use it where American Express contactless payments are accepted.** Just look for the contactless payments symbol.


How Do I Get It?

Get a Softcard-compatible Phone

Softcard works on certain smartphones. Visit for a complete list of eligible devices and compatible accessories available for purchase.

Add Your Card

Once you have the Softcard app, it's easy to add your American Express Card.

  1. Open the Softcard app
  2. Find 'Add a Payment Card' on the home screen
  3. To add your American Express Card, select American Express
  4. Enter the same User ID and Password you use on
  5. Select your eligible personal American Express Card or Business Card
  6. Follow the steps to securely add your Card



Already a Softcard User?

Once your American Express Card is added, simply tap to pay at any store that accepts American Express contactless payments.

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All use of this service and your Card in the Softcard app is subject to the Terms of Use.

*Eligible personal and Business Cards, issued by American Express or its affiliates, can be added to the Softcard app.

**Please note that certain merchant terminals may not be enabled to accept the American Express® Card in the Softcard app.

Softcard Terms of Service are available at Features may vary by operating system and app version. Eligibility of payment cards, loyalty cards and offers depends on card issuer and merchant participation. Message and data charges may apply. Ability to tap or transmit loyalty and offer information varies amongst participating merchants. Some merchant contactless terminals may not work or accept specific payment cards in the Softcard app. Softcard, SmartTap and the associated logos are trademarks of JVL Ventures, LLC. Contactless symbol is property of EMVCo, LLC. Other third-party trademarks are property of their respective owners.©2015 JVL Ventures, LLC. All rights reserved.

All third party trademarks are property of their respective owners.