If you used a non-rewards Visa, Mastercard, or Discover credit card in Illinois, you could be entitled to a cash payment from a $17.5 million class action settlement. Let’s break it down quickly so you can see if it’s worth a claim.
Why This Lawsuit Exists?
The lawsuit claimed American Express (Amex) used “anti-steering” rules that stopped merchants from encouraging customers to use lower-fee cards.
According to the plaintiffs, that led to higher prices for everyone — even if you didn’t use Amex.
A jury agreed (for Illinois consumers), finding that these rules caused financial harm. Amex denies wrongdoing but agreed to settle.
Who Qualifies?
You may be eligible if:
You’re an individual (not a business)
You had a Visa, Mastercard, or Discover non-rewards credit card (no annual fee)
Your billing address was in Illinois
You made in-person purchases at qualifying retailers in Illinois
Purchases were made between Jan. 29, 2016 – June 1, 2022
You did NOT have an American Express card during that time
Important: Only the Illinois non-rewards credit card class can file for payment.
How Much Can You Get?
Payments will be equal (pro rata) — meaning it depends on how many people file.
Total settlement: $17.5 million
Example payouts:
~$80 if 100,000 claims are filed
~$160 if 50,000 claims are filed
Final amounts will vary, but this is a real cash payout — not coupons or points.
Your Options
Here’s what you can do next:
| Option | What It Means | Deadline |
|---|---|---|
| Submit a Claim | Get a payment if approved | May 19, 2026 |
| Object | Tell the court you don’t agree | April 29, 2026 |
| Attend Hearing | Speak at the final hearing | June 17, 2026 |
| Do Nothing | Get no money, still bound | — |
How to File a Claim?
Filing is straightforward:
Go to the official settlement website
Complete the online claim form (or print and mail it)
Provide your Illinois billing address
Choose payment method (electronic or check)
Submit by May 19, 2026
Mail option:
Amex Antitrust Settlement
c/o A.B. Data Ltd.
P.O. Box 173092
Milwaukee, WI 53217
Note: No proof is required up front, but you may be asked for it later.
