# American Express — API Agent Score

> Score: 48/100 (Grade: F) | Domain: americanexpress.com | Rubric: 1.0.0 | Checked: July 24, 2026

American Express scored 48/100 (F), classified "not-ai-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/americanexpress)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 48/100 (F)
- Classification: not-ai-ready

## Category Scores

- API Design: 40/100 (F)
- Developer Experience: 57/100 (D)
- Agent Discovery: 59/100 (D)
- Agent Understanding: 61/100 (C)
- Agent Usability: 40/100 (F)

## Check Results

### API Design

- [fail] Security & governance hygiene — No security.txt at /.well-known/security.txt or /security.txt. Investigated: wellknown 0%.
- [skip] Machine-readable, versioned contract — No surface produced evidence for this capability in this run.
- [skip] Schema coverage & depth — No surface produced evidence for this capability in this run.
- [skip] Auth declared & discoverable — No surface produced evidence for this capability in this run.
- [skip] Example coverage — No surface produced evidence for this capability in this run.

### Developer Experience

- [pass] Self-service developer portal — Self-service signup at https://oce.americanexpress.com/myca/oce/action/home?request_type=un_Register&Face=en_US; no free tier or sandbox language detected. Investigated: docs 100%.
- [fail] Quickstart present — No quickstart/getting-started page found at the conventional paths. Investigated: docs 0%.
- [fail] Changelog published — Official SDKs stale: newest activity 1241 days ago. Investigated: sdk 0%.
- [skip] Code samples in docs — No surface produced evidence for this capability in this run.
- [skip] Description completeness — No surface produced evidence for this capability in this run.

### Agent Discovery

- [pass] Registry & SDK presence — Indexed on Context7 (websites/developer_americanexpress, 149 snippets). Investigated: docs 100%, sdk 100%, cli 0%.
- [warn] Docs reachable, not hard auth-gated — All 1 pages require authentication. Investigated: docs 40%.
- [warn] Crawlable / AEO — No sitemap discoverable via robots.txt or /sitemap.xml on the docs host. Investigated: wellknown 50%.
- [fail] llms.txt present, valid & comprehensive — No llms.txt found at any candidate location (https://developer.americanexpress.com/llms.txt, https://developer.americanexpress.com/docs/llms.txt). Investigated: docs 0%.

### Agent Understanding

- [warn] Agent-navigable, token-efficient docs — No pages support .md URLs (0/1 tested). Investigated: docs 71%.
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.
- [skip] Machine-readable errors (RFC 9457) — No surface produced evidence for this capability in this run.
- [skip] Operation purpose clarity — No surface produced evidence for this capability in this run.
- [skip] Docs structured data — No surface produced evidence for this capability in this run.
- [skip] Description consistency across surfaces — Only 0 surface description(s) with ≥6 tokens available; need at least 2 to compare.

### Agent Usability

- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.
- [skip] Idempotency documented — No surface produced evidence for this capability in this run.
- [skip] Rate-limit signaling — No surface produced evidence for this capability in this run.
- [skip] Pagination documented & consistent — No surface produced evidence for this capability in this run.
- [skip] Sandbox separation — No surface produced evidence for this capability in this run.

## Executive Summary

American Express has a strong foundation in API discoverability infrastructure (docs reachability and crawlability are solid), but two areas are holding the partner program back: agent readiness and operational trust signals. Partners and their AI agents cannot reliably discover, understand, or execute against your APIs — there is no machine-readable discovery file, no agent instructions, no runnable collection with test coverage, and no published changelog. Prioritize closing the agent-readiness gaps first (llms.txt, AGENTS.md, runnable collections), then address security hygiene and onboarding friction to unlock self-serve partner growth.