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Stephen Squeri

Chairman & Chief Executive Officer, American Express

Search every verified Stephen Squeri interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. During American Express’s third-quarter 2026 earnings call, Squeri reported record revenues of $20 billion and discussed the company’s performance, including the impact of the Platinum card refresh on its card member rewards expense (VCE) ratio. He said the VCE ratio is stabilizing and that the growth rate in VCE dollars is expected to moderate significantly going forward, becoming more consistent with pre-refresh levels. Squeri also noted the introduction of amount-based redemption for points, which he described as a convenient feature that has seen strong adoption. Squeri addressed the role of banking products in the company’s strategy, stating that banking services are part of expanding the "organic core" with customers and are becoming a more important part of engagement and acquisition. He mentioned the launch of a business savings account for small business customers as a further step in this direction. On artificial intelligence, Squeri said that while agentic transaction volumes remain small, AI is changing how consumers and businesses discover, compare, decide, pay, and manage finances. He added that AI agents acting on customers' behalf does not change who the customer is, and that the company’s focus remains on delivering value to the card member.

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