UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-D

ASSET-BACKED ISSUER
DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

For the monthly distribution period from

January 1, 2026 to January 31, 2026

Commission File Number of Issuing Entity: 000-20787-07

Central Index Key Number of Issuing Entity: 0001003509

AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST

(Exact name of Issuing Entity as specified in its charter)

Commission File Number of Depositor: 333-113579-02

Central Index Key Number of Depositor: 0001283434

American Express Receivables Financing Corporation III LLC

(Exact name of Depositor as specified in its charter)

Central Index Key Number of Sponsor: 0000949348

American Express National Bank

(Exact name of Sponsor as specified in its charter)

James Zhou

(212) 640-2000
(Name and telephone number, including area code,

of the person to contact in connection with this filing)

New York		N/A
(State or other jurisdiction of incorporation or organization of the Issuing Entity)		(I.R.S. Employer Identification No.)

c/o The Bank of New York Mellon 240 Greenwich Street, New York		10286
(Address of the principal executive offices of the Issuing Entity)		(Zip Code)

(212) 815-2483
(Telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Each class of Asset Backed Certificates to which this report on Form 10-D relates is subject to the reporting requirements of Section 15(d) of the Securities Exchange Act of 1934.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨

Previously reported information omitted from this report:

Form on which Previously Reported Information was Filed		Commission File Number		Central Index Key Number		Filing Date		Date of the Previously Reported Information
N/A		N/A		N/A		N/A		N/A

PART I - DISTRIBUTION INFORMATION

Item 1.	Distribution and Pool Performance Information.

	The information required by Item 1121 of Regulation AB is contained in the distribution report attached hereto as Exhibit 99.01.

PART II - OTHER INFORMATION

Item 7.	Change in Sponsor Interest in the Securities.

	The information regarding the interest retained to satisfy legal requirements regarding the credit risk retention rules of Regulation RR is provided in Item H of the distribution report attached hereto as Exhibit 99.01.

Item 10.

Exhibits

Exhibit No.	Description

99.01	Monthly Servicer’s Certificate for the Monthly Period ending January 31, 2026 and the February 2026 Payment Date.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: February 17, 2026

	American Express Receivables Financing Corporation III LLC,
	as Depositor of the Issuing Entity

	By:	/s/ Christa Marvelli
	Name:	Christa Marvelli
	Title:	President

AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST 10-D