EXHIBIT 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q of American Express
Certificate Company (the "Company") for the quarterly period ended September 30,
2003, as filed with the Securities and Exchange Commission on the date hereof
(the "Report"), Paula R. Meyer, as Chief Executive Officer of the Company and
John T. Sweeney, as Principal and Chief Financial Officer, hereby certify,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

         (1)  The Report fully complies with the requirements of 13(a) or 15(d)
              of the Securities Exchange Act of 1934; and

         (2)  The information contained in the Report fairly presents, in all
              material respects, the financial condition and results of
              operations of the Company.




    /s/ Paula R. Meyer
    ------------------------------
Name:   Paula R. Meyer
Title:  Chief Executive Officer
Date:   November 14, 2003



    /s/ John T. Sweeney
- ------------------------------
Name:   John T. Sweeney
Title:  Principal and Chief Financial Officer
Date:   November 14, 2003

The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of Sarbanes-Oxley Act of 2002,
and is not being "filed" as part of the Form 10-Q or as a separate disclosure
document for purposes of Section 18 of the Securities Exchange Act of 1934, as
amended (the "Exchange Act"), or otherwise subject to liability under that
section. This certification shall not be deemed to be incorporated by reference
into any filing under the Securities Act of 1933, as amended, or the Exchange
Act except to the extent that this Exhibit 32.1 is expressly and specifically
incorporated by reference in any such filing.

A signed original of this written statement required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.