Returned to commercial service with American Lines in Sep 1898. Boiler repairs in 1903 and funnels raised. In Mar 1917 she was furnished with an armed guard for protection on her regular New York to Liverpool service. On 30 May, while sailing up the Irish Channel, she dodged a torpedo and may have struck the submarine that fired it. Taken over as transport USS Louisville in Apr 1918. After service, including six crossings returning American troops from Europe, she decommissioned and returned to the American Line in Sep 1919. While being reconditioned for passenger service at Hoboken, she caught fire and sank at her berth, Jan 1920. Later refloated and taken over by insurance underwriters, she lay at various docks in the New York area, but never sailed again. Sold and scrapped at Genoa in 1925.
Sister ship St. Paul also built 1895; requistioned as transport USS Knoxville in 1918, she capsized at her berth in New York while fitting out. She was raised and returned to service in 1920. Sold for scrap in 1923.