If you’re looking for an American Express ATM near you, this guide shows exactly where you can withdraw cash, avoid fees, and find the closest machines that support AMEX cards. It covers every major partner network, withdrawal rules, and the easiest ways to locate fee-free ATMs anytime you need them.
Quick Answer: Most American Express customers get fee-free ATM withdrawals through the MoneyPass and Allpoint networks. Amex does not operate a large standalone ATM system, so partner networks provide the majority of surcharge-free access. Always look for the MoneyPass or AMEX logo before inserting your card to avoid fees.
American Express ATM Locator Map
Where You Can Use American Express ATMs
Since American Express focuses on credit and charge cards rather than retail banking, it relies on ATM partners instead of operating thousands of its own machines. These networks give Amex cardholders wide, dependable access across the United States and internationally.
| Network / Partner | Fee Policy | Common Locations | Notes |
|---|---|---|---|
| MoneyPass | No surcharge | Credit unions, supermarkets, convenience stores | Main U.S. partner network for Amex access |
| Allpoint | No surcharge (varies by card) | CVS, Walgreens, Target, Kroger, Circle K | Indoor ATMs with strong national coverage |
| Global Partner ATMs | Local or conversion fees may apply | Airports, hotels, international banks | Ideal for travel cash access abroad |
How to Find an American Express ATM Near You
There are several easy ways to find a nearby AMEX-friendly ATM, even while traveling.
- Use the official AMEX ATM Locator: Enter your ZIP code for real-time results.
- Check partner networks: Look at MoneyPass and Allpoint maps for surcharge-free locations.
- Use the Amex Mobile App: The in-app locator shows eligible ATMs closest to your GPS position.
- Customer service option: Amex support can confirm nearby ATMs based on the card you have.
Key Insight: American Express provides ATM access through partner networks, not a dedicated Amex-only ATM system. This gives customers broad national coverage while allowing Amex to focus on card services rather than ATM operations.
American Express ATM Withdrawal Limits
Most American Express credit and charge cards allow daily cash advances between $500 and $1,000. Higher limits may be available depending on your account type, payment history, and credit profile. You can view your personal limit in the Amex Mobile App or online dashboard.
Fees and Cash Advance Costs
Withdrawing cash using an American Express card typically includes the following fees:
- A cash-advance fee (usually 5 percent of the transaction, minimum $10)
- Immediate interest charges with no grace period
- Possible third-party ATM operator surcharges
To avoid extra costs, only withdraw when necessary and choose fee-free MoneyPass or Allpoint ATMs whenever possible.
Frequently Asked Questions
Can I withdraw cash from any ATM with my Amex card?
Yes. As long as your card supports cash advances, you can withdraw at most MoneyPass and Allpoint ATMs and many international partner banks.
Can I use other bank cards at an American Express ATM?
Some American Express-branded ATMs accept other networks, but fees may apply. Always confirm the network logo before using a third-party card.
Do American Express debit cards have different limits?
Yes. Amex debit cards linked to savings accounts may have lower daily withdrawal limits, often under $600, to help prevent fraud.
About American Express Bank
American Express Bank FSB operates primarily online, offering high-yield savings accounts, CDs, and small-business banking alongside its credit and charge cards. Through partner networks like MoneyPass and Allpoint, Amex customers have broad access to ATMs across the United States and internationally.