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American Express

americanexpress.com · Finance · AXP

Ranked 306 of 2,047 companies in the study

41Overall score
  • Visibility23
  • Citations3
  • Sentiment80
  • Site quality87
  • AI readiness29
What this means for American Express

AI assistants name American Express in 23.3% of answers, which is much more often than the typical company in its sector. Its overall score is 41 out of 100, ranking 306th of 2,047, and it places 18th among 205 sector peers. The company's website passes 4 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about the finance market: none named American Express. AI assistants named it in 14 of 60 answers (23.3%). The typical finance company is named in 3.3% of answers. By how often it is named, American Express ranks 22 of 205 in its sector.

Named by AI in
23.3%
14 of 60 answers
Share of mentions
22.2%
compared with 5 rivals
AI readiness
4/14
technical checks passed. Typical for its sector: 3
Rank in its sector
18 of 205
by overall score, where the typical finance company scores 29
How American Express compares with all 2,047 companies

Every dot is a company in the study. Hover one to see it; click to open its report.

This companySame sectorEvery other companyNever named

What makes up the score

Five parts, each scored out of 100.

Visibility
23

How often AI assistants name the company

Citations
3

How often AI uses the company's own website as a source

Sentiment
80

How positively AI describes the company

Site quality
87

How well built the website's own pages are

AI readiness
29

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Compared with finance

205 companies in this sector. The line on each bar is the typical company.

Overall score41
Ranks 18 of 205. Typical company: 29
Named in answers23%
Ranks 22 of 205. Typical company: 3%
AI readiness29
Ranks 30 of 205. Typical company: 21
What Gemini actually said

An answer that names the company

“How do annual fees for premium US credit cards compare to no-fee cards?”

Annual fees for premium US credit cards are significantly higher than those for no-fee cards, reflecting the extensive benefits and rewards they offer. While no-fee cards are a good option for building credit and earning basic rewards without ongoing costs, premium cards cater to individuals seeking more lucrative perks and luxury experiences.

No-Fee Credit Cards:

Cost: As the name suggests, these cards do not charge a yearly fee.

Benefits: No-fee cards can help you build your credit history and often come with rewards like cash back or an introductory 0% APR on purchases …

The AI’s answer as we received it, shortened and not checked for accuracy.

Also named
Capital One20Bank of America12Discover3
Share of mentions

How the mentions in these answers were split between this company and its rivals

Chase (JPMorgan Chase)
25.9%
American Express
24.1%
Capital One
22.4%
Citi (Citigroup)
12.1%
Bank of America
10.3%
Discover
5.2%
Which AI assistants named the company

Answers naming it, out of answers received

Gemini
5/15
Perplexity
4/15
Claude
3/15
OpenAI
2/15
Ready for AI agents

What this website publishes for an AI agent to read, use and buy from, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 92.0%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 86.8%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 0.3%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 5.5%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 1.9%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 25.1%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 93.4%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 1.4%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.2%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 0.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 11.8%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 10.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.0%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.2%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.1%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 0.2%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 33.7%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.1%

Score 36 of 100 · 97% of checks could run · checked on October 5, 2026 · www.americanexpress.com · 2,047 companies scanned

See how every company did, and how this was measured.

The checks behind the AI readiness score

4 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks
Discoverability
  • Passedrobots.txt publishedstudy: 85.0%
  • PassedXML sitemapstudy: 73.2%
  • Not metHTTP Link headers (RFC 8288)study: 29.0%
Content Accessibility
  • Not metMarkdown content negotiationstudy: 8.3%
  • Passedllms.txt publishedstudy: 21.7%
  • PassedToken budget (page weight)study: 95.2%
Bot Access Control
  • Not metExplicit AI bot rulesstudy: 13.0%
API / Auth / MCP
  • Not metAPI Catalog (.well-known/api-catalog)study: 0.2%
  • Not metOAuth Authorization Server discoverystudy: 10.1%
  • Not metOAuth Protected Resource discoverystudy: 9.3%
  • Not metMCP Server Cardstudy: 0.0%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 4.2%
  • Not metAgent Skills declaredstudy: 0.0%
What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 84% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI
  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly
AI search
  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly
Answering questions
  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

Websites the AI used as sources

How many times each website was listed as a source in these answers

cnbc.com
28
forbes.com
28
nerdwallet.com
25
thepointsguy.com
25
bankrate.com
23
experian.com
22
capitalone.com
20
chase.com
17
finance.yahoo.com
17
americanexpress.com (its own website)
16

In the study as S&P 500.

Every question, and where the company came up (6 of 15)
QuestionOpenAIClaudePerplexityGemini
  • What are some options for individuals who don’t qualify for standard credit cards?
  • How do annual fees for premium US credit cards compare to no-fee cards?
  • How can I use rewards cards to save on business travel expenses?
  • What’s the difference between a charge card and a traditional credit card?
  • What should I do if my card payment is declined at checkout?
  • What are the top benefits of rewards cards for frequent shoppers?
  • Why would my credit card application be denied even with a good credit score?
  • Which cards offer the most flexible reward redemption options?
  • Business credit cards vs personal credit cards: which is better for entrepreneurs?
  • What are the best credit cards for earning travel rewards in the US?
  • What credit card features help build business credit history?
  • What are common foreign transaction fees on US credit cards?
  • What alternatives exist to traditional credit cards for daily purchases?
  • Is it worth getting a premium rewards credit card for everyday spending?
  • Are cash back cards a better value than points-based cards for most people?
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. The AI assistants often disagree. Across the study, on 40% of the questions where a company is named, only one of the four names it.

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Overall score 41 of 100 badge for American Express

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