Important information regarding rates, fees, and other cost information

Earn 90,000 Bonus Miles

Introductory Annual Fee

$200 Delta Flight Credit

If, in any calendar year, eligible purchases on the Delta SkyMiles Gold or Gold Business American Express Card Account total $10,000 or more (the "Purchase Requirement"), the Basic Card Member will receive a $200 Delta eCredit (the "Credit") in their SkyMiles account that can be used toward a Delta flight purchase. Delta flight purchases are limited to purchases of Delta-marketed flights made on delta.com or with Delta Reservations. The Credit may also be applied toward the Delta airfare portion of a Delta Vacations package. The Credit will be issued as a Delta eCredit, which will be available in "My Profile" on delta.com under "Certificates, eCredits, and Vouchers." To use the Credit, refer to the certificate number, redemption code, and redemption instructions that will be sent to the email address listed on your Delta SkyMiles account. The Credit is only valid for payment of tickets, including fare, surcharge and government-imposed taxes and fees imposed on ticket purchases. It is not valid for other types of fees (including bag fees, change fees, upgrades or other ancillary purchases or fees with Delta), and it does not have any cash value. The Credit expires within one year from the date of issuance and must be redeemed on or before the expiration date. If the value of the Credit is greater than the flight purchased, the Card Member will be able to use the residual value in another transaction before the expiration date. Visit delta.com/redeem for more information about redemption options. Limit one Credit per calendar year per Card Account. Please allow 6-8 weeks after reaching the Purchase Requirement for the Credit to be issued. On rare occasions (for example, when the name on your SkyMiles account doesn't match the name on your Amex account), the timing of the deposit could be delayed. If the Card Account is cancelled or past due at the time of Credit issuance, it may not qualify to receive the Credit. If you have transferred to a different Card after reaching the Purchase Requirement and before the time of Credit issuance, you may not receive the Credit. The Credit is non-transferable from one Delta SkyMiles Member's account to another but can be applied towards someone else's ticket without limitation. The Credit may be combined with up to 2 other Delta eCredits. If the Basic Card Member transfers from a different Delta SkyMiles Card product to the Delta SkyMiles Gold Card, any eligible purchases made on the prior Card Account during the calendar year will count toward the Purchase Requirement, after the first transaction on the new Card Account. The Credit may be redeemed for Delta flights purchased in currencies other than United States Dollars and will be converted to the currency of the country of payment at the Bankers Rate of Exchange in effect on the date of ticket issuance, and the rate of exchange must be indicated on the ticket.

The benefit is only available to the Basic Card Member; however, eligible purchases made by Additional Card Members will contribute to the Purchase Requirement. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of traveler's checks, purchases of gift cards, person-to-person transactions, purchases or reloading of prepaid cards, or purchases of other cash equivalents. American Express relies on merchants' processing of transactions to determine the transaction date. If there is a delay in a merchant submitting a transaction to us or if a merchant uses another date as the transaction date, then your purchase may not count toward the Purchase Requirement in the calendar year in which you made the purchase. For example, if you make a purchase on December 31 but the merchant processes the transaction such that it is identified to us as occurring on January 1, your purchase will count toward the Purchase Requirement in the calendar year which began on that January 1. Additional terms, conditions and restrictions apply. See delta.com/amexflightcreditterms for details.

20% Back on In-Flight Purchases

Delta SkyMiles^® Blue, Delta SkyMiles^® Gold and Gold Business, Delta SkyMiles^® Platinum and Platinum Business, and Delta SkyMiles^® Reserve and Reserve Business American Express Basic Card Members will receive a 20% savings in the form of a statement credit on eligible pre-purchased meals, and in-flight purchases of food and beverages on Delta-operated flights charged to their Card Account. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. Basic Card Members will not receive a statement credit for any other in-flight purchases, such as in-flight wireless internet access, purchases through the Delta Sync in-flight wireless internet portal, associated services, and charitable contributions. To receive the statement credit, Card Members must use their Delta SkyMiles American Express Card to complete the in-flight purchase. Please allow 6-8 weeks after an eligible transaction is charged to the Card Account for the statement credit to be posted to the Account.

American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date then your purchase may not earn a statement credit in the billing cycle in which you made the purchase. American Express also relies on information provided to us by the merchant to identify eligible purchases. If American Express does not receive information that identifies the transaction as an eligible purchase, the Basic Card Member will not receive the statement credit. Only one statement credit per transaction will be issued. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive statement credit.

If the Card Account is canceled or past due at the time of statement credit fulfillment, it may not qualify to receive a statement credit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you.

Additional terms, conditions, and restrictions may apply. See http://delta.com/amex for details.

Account Manager

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

American Express Venue Collection^™

The American Express Venue Collection provides American Express^® Card Members with a Consumer or Business American Express Card issued by American Express in the US with access to a set of benefits at stadiums and arenas for select events. American Express cards issued by third-party financial institutions, American Express Corporate Cards, American Express Debit Cards, and American Express Prepaid Cards are not eligible. All benefits are subject to specific terms & conditions. Some benefits will be fulfilled by the venue and are subject to terms & conditions set by the venue, as applicable. Benefits cannot be redeemed for cash, transferred, or substituted. Void where prohibited by law. For more information, including specific benefit terms & conditions and venues included as part of the collection, please visit americanexpress.com/venues.

American Express Venue Collection^™ Concessions Statement Credit

Eligible Card Members can earn 10% back (up to $250) in statement credits per calendar year after using their enrolled Card to make qualifying food and beverage concessions purchases at stadiums and arenas in the American Express Venue Collection^™. Limit one enrolled Card per Card Member. Offer ends 12/31/2026.

By enrolling in this offer, you agree to these terms and the Amex Offers^™ Program Terms.

Eligibility and Enrollment

Eligible Card Members must first add offer to Card and then use that same enrolled Card to make qualifying purchases. Only Consumer and Business American Express Cards issued by American Express in the US are eligible for this offer. American Express Prepaid Cards, Corporate Cards, Debit Cards, and American Express-branded Cards issued by other financial institutions are not eligible for this offer. Additional Cards on an eligible Card account are also eligible to enroll in this offer; however, any rewards or credits earned will be applied to the Basic Card Member's account. Each eligible Card must enroll separately in this offer and must individually make a qualifying purchase to earn a statement credit.

Limit one enrollment per Card Member regardless of whether a Card Member has more than one eligible Card. Offers are non-transferable. Card Members must select one eligible Card to enroll and enrollment of an eligible Card in this offer extends only to that Card.

Limit of $250 back in total statement credits on that enrolled Card each calendar year. Offer ends December 31, 2026.

Qualifying Purchases

Offer only valid on qualifying food and beverage concessions purchases at participating stadiums and arenas in the American Express Venue Collection^™ ("Participating Venues"). Participating Venues and qualifying purchases are subject to change, and an up-to-date list can be found at go.amex/venue-concessions-us. Please review this list prior to making a purchase at a Participating Venue. Qualifying Purchases must be made during the offer period with your enrolled American Express Card and in an amount totaling at least $0.01 USD as posted to your account, following conversion from a foreign currency, if applicable, in accordance with your Card Member Agreement.

Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the qualifying purchase for statement credit(s) to post. Please call the number on the back of your Card with any questions about this offer, including questions regarding enrollment or qualifying purchases, or if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified. The 10% back in the form of statement credit(s), up to $250 in total statement credits per calendar year, is calculated based off the total amount of a qualifying purchase made in US dollars or following conversion to US dollars from a foreign currency, if applicable.

American Express Venue Collection^™ Entrances and Fast Lanes

American Express Card Member entrances and/or fast lanes are available at venues in the American Express Venue Collection. Card Member entrances and fast lanes may not be available for all events; hours of availability may vary and are subject to change. Entrances and fast lanes may be modified or discontinued at any time and without notice. Card Members must have a valid ticket to the event and can access the Card Member entrance or fast lane by presenting a valid American Express Card in the Card Member's name. The number of guests that may accompany a Card Member through a Card Member entrance of fast lane may vary by venue. Additional terms may apply by venue and by event (including, without limitation, security protocols). American Express does not operate the Card Member entrances or fast lanes; the applicable venue operates the entrance. Venue personnel reserve the right to not allow Card Members and their guests admittance through the Card Member entrance or fast lane for any reason, including, without limitation, not adhering to security protocols. To learn more about a specific venue, please visit americanexpress.com/venues.

American Express^® App

The American Express^® App and app features are available only for eligible accounts in the United States. American Express^® prepaid Cards and Cards issued by non-American Express issuers are not eligible.

To log in, customers must have an American Express user ID and password or create one in the app.

Amex Offers

To redeem an Amex Offer^®, eligible Card Members must first enroll in the offer through their online account or in the American Express^® App and then use their enrolled Card to make a qualifying purchase. Only U.S.-issued American Express Consumer and Business Cards may be eligible to participate. Card Members can check their eligibility by visiting the Amex Offers section of their online account. American Express, in its sole discretion, reserves the right to determine eligibility for the Amex Offers program and may revoke access or enrollment if we determine that you have engaged, or are likely to engage, in abuse, misuse, or gaming of the program. Please review the terms of each offer for details on how to redeem. By enrolling in an offer, you agree that American Express may use your transaction and personal information to administer the offer, communicate with you about it, and facilitate your experience in accordance with the American Express Privacy Statement. You also consent to receiving electronic communications from American Express, including email, app notifications, and other digital messages, related to your enrolled offers and the Amex Offers program.

By enrolling in an offer, you agree to the individual offer terms and Program Terms. See individual offer terms below, and full Program Terms.

Amex Presale Tickets^®

American Express^® Card Members have access to purchase Amex Presale Tickets^® for select events and select seats, during a specified period prior to the general on-sale dates for those events. Tickets must be purchased using an American Express Card. An American Express Prepaid Card cannot be used to purchase tickets. Amex Presale Tickets^® are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Amex Presale Tickets^® are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

Amex Reserved Tickets^®

American Express^® Card Members have access to purchase Amex Reserved Tickets^® for select events and select seats, during a specified period. Tickets must be purchased using an American Express Card. An American Express Prepaid Card cannot be used to purchase tickets. Amex Reserved Tickets^® are sold by and fulfilled by third-party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Amex Reserved Tickets^® are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

Award Travel

Taxes and fees for Award Travel are the responsibility of the passenger and must be paid at the time the ticket is booked.  Award Travel seats are limited and may not be available on all flights or in all markets.  

Brand Trademarks

©2026 The trademarks Delta, SkyMiles, and the Delta logo are exclusive property of Delta Air Lines, Inc., or its affiliates, unless otherwise noted.

Connect to QuickBooks

Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.

Delta Gold $120 Rideshare Credit

Enrollment through American Express is required to receive this benefit and is available starting 12 months from the date the Card Account is opened. Only Basic Card Members or Authorized Account Manager(s) on a Delta SkyMiles^® Gold and Gold Business American Express Card (each, an "Eligible Card") can enroll in the benefit in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Eligible Card. Please note, enrollment may take up to 24 hours to take effect on your Eligible Card. Enrolled Basic Card Members can earn up to $10 in statement credits per month each year when the Basic Card or Additional Cards on the enrolled Eligible Card Account are used to make eligible purchases in the U.S. with the following rideshare services: Uber, Lyft, Curb, and Alto, which are subject to change. Delta SkyMiles^® Gold Card Members who transfer from a Delta SkyMiles^® Platinum or Reserve Card are eligible immediately and are not subject to the 12 month requirement. Eligible purchases can be made by both the enrolled Basic Card Member and any Additional Card Members on the enrolled Eligible Card Account. However, the total amount of statement credits for eligible purchases will not exceed $10 per month (for a total of $120 in statement credits per calendar year) per enrolled Eligible Card Account.

Eligible purchases are for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person transactions, or purchases of any other cash equivalents. Eligible purchases do not include delivery services (for example, food, packages, groceries, pet food, toys or retail clothing), bikeshare, scooter, car rental, transit, membership or subscription, or any other non-rideshare services offered by the rideshare providers. Please allow up to 8 weeks after an eligible purchase is charged to the enrolled Eligible Card Account for statement credit(s) to be posted to the Eligible Card Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, the January statement credit would be applied. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Statement credits may not be received or may be reversed if the eligible purchase is cancelled, refunded or modified.

American Express also relies on information provided to us by the merchant to identify eligible purchases. If American Express does not receive information that identifies the transaction as an eligible purchase, the Basic Card Member will not receive the statement credit. Basic Card Members may not receive the statement credit if we receive inaccurate information or are otherwise unable to identify your purchase as eligible, if the transaction is made with an electronic wallet or through a third party (such as an app store), or if the merchant uses a mobile or wireless card reader to process it.

To be eligible for this benefit, the Eligible Card Account must not be cancelled or past due at the time of statement credit fulfillment. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If your Eligible Card is enrolled in the benefit and you replace your Eligible Card, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Eligible Card to confirm your continued enrollment in the benefit.

Delta Gold Business $150 Delta Stays Credit

Basic Delta SkyMiles^® Gold Business American Express Card Members can earn up to $150 in statement credits per calendar year when a Basic Card or an Additional Card on the Account is used to pay for a new Delta Stays prepaid hotel or vacation rental booking on the Delta Stays platform (delta.com/stays) (each, an "Eligible Delta Stays Booking").

Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for Eligible Delta Stays Bookings will not exceed $150 on the Card Account per calendar year. Eligible Delta Stays Booking does not include interest charges, cancellation fees, property fees, resort fees, or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise). Please allow 6-8 weeks after an Eligible Delta Stays Booking is charged to your Card for statement credit(s) to be posted to the Account. Call the number on the back of the Card if statement credits have not posted by that time, or for additional information. American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an Eligible Delta Stays Booking is purchased on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, the January statement credit would be applied if available. American Express also relies on information provided to us by the merchant to identify an Eligible Delta Stays Booking. If American Express does not receive the information that identifies your transaction as eligible for this benefit, the Basic Card Member will not receive the statement credit. Basic Card Members may not receive the statement credit if we receive inaccurate information or are otherwise unable to identify your purchase as eligible, if a transaction is made with an electronic wallet or through a third party (such as an app store), or if the merchant uses a mobile or wireless card reader to process it. For additional information on Delta Stays, visit delta.com/stays. The Delta Stays program is subject to change, and American Express has no control over those changes. Bookings through Delta Vacations and products other than prepaid hotels and vacation rentals booked through Delta Stays will not qualify for statement credits. Statement credit(s) may not be received or may be reversed if the Eligible Delta Stays Booking is refunded, cancelled, or modified. If the Card Account is cancelled or past due at the time of statement credit fulfillment, it may not qualify to receive a statement credit. Prepaid hotels and vacation rentals available through the Delta Stays platform are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you.

Delta No Blackout Dates

Although blackout dates have been eliminated on Delta flights, blackout dates may apply on partner flights and are defined by individual partner carriers.

Dispute Resolution

Not all disputes are resolved in the Card Member's favor.

Employee Card - Category Alerts

Merchants are categorized based on what they primarily sell. You will not receive an alert if an Employee makes a purchase at a merchant from an approved category, whether or not you consider that purchase to be a part of a particular category.

Employee Card Spending Limits

Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.

First Checked Bag Free

Benefit is limited to Basic Card Members (not Additional Card Members) with the Delta SkyMiles^® Gold or Gold Business, Delta SkyMiles^® Platinum or Platinum Business, or Delta SkyMiles^® Reserve or Reserve Business American Express Card. Reservation must include the Basic Card Member's SkyMiles number. Fee waiver is also available for passengers traveling on the same reservation as the Basic Card Member. Maximum nine waivers per reservation. Waiver is only for standard bag fee, if any, for the first checked bag that is not overweight and not oversize under Delta's applicable rules as set forth in Delta's contract of carriage. Additional checked bags will be subject to the applicable baggage fees as outlined by Delta's rules and the purchased fare as set forth in Delta's contract of carriage. The first checked bag fee waiver will only be applied on flight segments which originate on a Delta or Delta Connection^® carrier when you check-in with Delta for both a Delta marketed and Delta operated flight. Codeshare flights are not eligible. New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. Waiver is not available to passengers who are already receiving one or more checked bags free (for example, due to itinerary purchased, Medallion Status, or active duty military status). Benefit terms and conditions are subject to change. Additional terms, conditions and restrictions may apply. See delta.com/freecheckedbags for details.

Global Assist^® Hotline

While Global Assist^® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

Lowest Hotel Rates Guarantee

Valid only for American Express Card Members. If you book a qualifying hotel rate on amextravel.com or the Amex Travel App^™ and then find the same room, in the same hotel, for the same dates, the same number of children and adults, the same rate type and, the same cancellation policy, the same change and refund policies, and the same deposit policies at a lower price online, before taxes and fees, we'll refund you the difference. Rate type refers to whether the hotel rate is prepaid at time of booking ("Pay Now") or payable at check-in ("Pay Later"). Deposit policies refer to any advance payment required to secure the reservation. For prepaid reservations, your claim must be submitted prior to your stay, before the date of check-in. For verification of "pay later" hotel bookings, your claim must be submitted within thirty (30) days after you have completed the hotel stay, and the customer service representative may instruct you to mail a copy of your hotel receipt to American Express within that time period. American Express will honor the lower price for verified requests. The "Lowest Hotel Rates Guarantee" policy applies only to online rates available to the general public and excludes (1) rates or discounts that are not available to the general public, including, but not limited to, corporate, group, charter, meeting/convention, AAA, government/military, and senior citizen rates/discounts; or (2) hotel rooms booked through or in combination with frequent stay, loyalty, points, coupon promotions, rooms won through contests or sweepstakes or transferred, or rooms booked on opaque websites that do not allow you to see the name of the hotel until your reservation is complete; or (3) promotional packages, deals, all-inclusive packages, or bundles that may include additional amenities such as parking, meals, or entertainment, or (4) rates booked through the Fine Hotels + Resorts^® and The Hotel Collection programs. Details

Miles on Eligible Purchases

1X Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar of eligible purchases charged on their Card or any Additional Cards on the Card Account.

2X Miles on U.S. Shipping: Basic Card Members will earn 1 additional mile (for a total of 2 miles) for each dollar of eligible purchases on their Card or any Additional Cards on the Card Account charged at merchants in the U.S. for shipping services, on up to a total of $50,000 in purchases per calendar year per Card Account. To earn additional miles for shipping, eligible purchases must be made at courier, postal, and freight shippers located in the U.S. Basic Card Members will not earn additional miles for shipping costs added to retail purchases or moving services.

2X Miles on U.S. Advertising in Select Media: Basic Card Members will earn 1 additional mile (for a total of 2 miles) for each dollar of eligible purchases on their Card or any Additional Cards on the Card Account charged at merchants in the U.S. for advertising in select media, on up to a total of $50,000 in purchases per calendar year per Card Account. To earn additional miles for advertising, eligible purchases of online, television, and radio advertising must be purchased from media. providers located in the U.S. in order to promote a business. Basic Card Members will not earn additional miles for direct mail services including list or lead generation.

2X Miles at Restaurants: Basic Card Members will earn 1 additional mile (for a total of 2 miles) for each dollar of eligible purchases on their Card or any Additional Cards on the Card Account charged at restaurants worldwide. Basic Card Members may not get additional miles for purchases at a restaurant located within another establishment (e.g. a restaurant located inside a hotel, casino, or event venue) or for purchases made through third-party food delivery services outside of the U.S. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. Basic Card Members will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores.

2X Miles on Delta Purchases: Basic Card Members will earn 1 additional mile (for a total of 2 miles) on each dollar of eligible purchases on their Card or any Additional Cards on the Card Account charged directly with Delta where Delta is the merchant of record, such as purchases via delta.com, the Fly Delta app, phone reservations, or ticket counters, for upgrades, miles, seat selection, Delta Sky Club^® membership, and in-flight purchases of food and beverages on Delta-operated flights ("Delta Purchases"). Delta Purchases do not include in-flight purchases where Delta is not the merchant of record, such as in-flight wireless internet access and charitable contributions. Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com and/or the Delta Flight Museum. Delta Purchases include Delta Vacations^® packages but not other all-inclusive packages. Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings on the Delta Stays platform (delta.com/stays). Delta Purchases include purchases of qualifying Delta, Delta Connection^® carrier and Delta Shuttle^® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. For purposes of this Card benefit, "Delta Purchases" also includes Delta Main Basic (Basic Economy) fares, notwithstanding that these fares do not earn SkyMiles mileage credit for travel. Full SkyMiles program terms: delta.com/memberguide. Additional miles earned for Delta flight purchases made with the Card will be based on the total ticket price, including base fare, carrier-imposed surcharges and government-imposed taxes and fees.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases of gift cards, person-to-person transactions, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Miles will be posted to the Basic Card Member's Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive miles, the Card Account must not be canceled or past due at the time of fulfillment.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. Basic Card Members may not receive additional miles if we receive inaccurate information or are otherwise unable to identify the purchase as eligible for a reward category. For example, Basic Card Members may not receive additional miles when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit the transaction to us (e.g., using mobile or wireless card readers); or Card Members choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

For questions about additional miles on a purchase, call the number on the back of the Card. Please visit americanexpress.com/rewards-info for more information about rewards.

No Foreign Transaction Fees

American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

Pay with Miles

Program is limited to Basic (not Additional) Card Members. New Card Members are eligible to use Pay with Miles upon receipt of their Card. Eligible only on Delta and Delta Connection^® carrier-operated and ticketed flights booked at delta.com. Not available on other codeshare flights. Eligible flights for this program will be marked as Pay with Miles eligible. Miles redemptions must be in 5,000 mile increments, with a minimum of 5,000 miles for redemption, and the number of miles redeemed will be rounded up to the nearest 5,000 mile increment, as applicable. Use your Card to pay for the remaining ticket price when using Pay with Miles. Five thousand miles generally provides $50 of value. However, you may receive less value per mile if the cost of a ticket you choose to cover entirely with miles is not a multiple of $50. Qualifying Pay with Miles tickets will earn mileage, and will earn Medallion Qualification Dollars, for the portion of the base fare and carrier-imposed surcharges remaining that is paid in currency after miles are applied to the ticket total. Delta Main Basic (Basic Economy) fares do not earn miles or earn toward Medallion Status. Mileage redemption will be applied toward the base fare and carrier-imposed surcharges prior to being applied toward taxes and fees. Full terms: delta.com/memberguide. Pay with Miles tickets may not be combined with any other forms of mileage redemption, such as Award Travel tickets. Medallion Complimentary Upgrades on Pay with Miles tickets are subject to availability and may not be eligible on all flights. Except for tickets refunded under Delta's Risk Free Cancellation policy, miles redeemed with Pay with Miles cannot be re-deposited in the member's SkyMiles Account — even for fully refundable fares. Residual value for a changed or cancelled ticket will be issued as an e-certificate applicable to future Delta purchases. For additional terms, conditions, and restrictions, visit delta.com/paywithmiles.

Priority Boarding

Basic Delta SkyMiles^® Gold or Gold Business, Delta SkyMiles^® Platinum or Platinum Business, and Delta SkyMiles^® Reserve or Reserve Business American Express Card Members ("Eligible Card Members") are entitled to receive Zone 5 Priority Boarding on Delta and Delta Connection carrier operated flights when the Eligible Card Member's SkyMiles number is included on the reservation. Benefit is limited to Basic Eligible Card Members (not Additional Card Members). Benefit is also available for passengers traveling in the same reservation as the Basic Card Member, up to a maximum of nine passengers per reservation. Zone 5 Priority Boarding will only be available on Delta and Delta Connection carrier operated flights. Delta does not offer Zone 5 Priority Boarding on Delta Shuttle^® flights. New Eligible Card Members and Eligible Card Members who have upgraded from another Delta SkyMiles American Express Card will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Boarding offerings are subject to change without notice. Additional terms, conditions and restrictions may apply. See delta.com/amex for details.

Rewards Disclosure for Employee Cards

Terms, conditions and restrictions vary by individual Card products.

Second Checked Bag Free

Benefit is limited to Basic Card Members (not Additional Card Members) with the Delta SkyMiles^® Gold or Gold Business, Delta SkyMiles^® Platinum or Platinum Business, or Delta SkyMiles^® Reserve or Reserve Business American Express Card (each, an "Eligible Card"). Reservation must include all traveling Basic Card Members' SkyMiles numbers; if a Basic Card Member's SkyMiles number is not provided at the time of booking, it must be added before check-in or bag payment to enjoy the benefit. This benefit is available once per Eligible Card per direction of travel on a qualifying itinerary. Fee waiver is also available for Basic Card Members (not Additional Card Members) holding an Eligible Card who are passengers traveling on the same reservation. Waiver is only for standard bag fee, if any, for a second checked bag that is not overweight and not oversize under Delta's applicable rules as set forth in Delta's contract of carriage. Additional checked bags beyond the second checked bag will be subject to the applicable baggage fees as outlined by Delta's rules and the terms of the purchased fare as set forth in Delta's contract of carriage. The second checked bag fee waiver will only be applied to tickets whose origin and destination are within the United States (U.S. 48, Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands) on a Delta or Delta Connection^® carrier when you check-in with Delta for both a Delta-marketed and Delta-operated flight. Codeshare flights are not eligible. New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the second checked baggage fee waiver benefit after receiving their Card from American Express. Waiver is not available to passengers who are already receiving two or more checked bags free (for example, due to itinerary purchased, Medallion Status, or active-duty military status). Benefit terms and conditions are subject to change. Additional terms, conditions and restrictions may apply. See delta.com/freecheckedbags for details.

Seller of Travel

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit www.americanexpress.com/travelterms.

California CST#1022318; Washington UBI#600-469-694

SkyMiles General

All SkyMiles program rules apply to SkyMiles program membership, miles, offers, mile accrual, mile redemption, and travel benefits. To review the rules, please visit delta.com/memberguide. Partner airline benefits are subject to change and subject to the terms and conditions of each partner. Partner offers are subject to the terms and conditions of each individual offer. Offers are void where prohibited by law. Offers are subject to change without notice. Other restrictions apply.

TakeOff 15

Eligibility:
Basic Delta SkyMiles Gold, Platinum and Reserve American Express Card Members, as well as Basic Delta SkyMiles Gold, Platinum and Reserve Business American Express Card Members (each, an "Eligible Card"), can get at least a fifteen percent (15%) discount off the mileage portion of an Award Ticket (the "TakeOff 15" benefit). Additional Card Members are not eligible.

Available only if entire itinerary is on Delta and Delta Connection^® carrier-operated and ticketed flights booked at delta.com or the FlyDelta app. Not available on flights operated by other carriers. Not available for Pay with Miles, Miles + Cash, seat upgrades purchased after the initial flight booking, or other Delta products or services. Discount only applies to the mileage portion of the Award Ticket fare and does not apply to applicable taxes and fees which must be paid using the Eligible Card. Card Member must be logged-in to a SkyMiles account linked to an Eligible Card to receive the TakeOff 15 benefit discount. Mileage discount will be greater than or equal to 15% of the overall miles portion for the Award Ticket. An Award Ticket is a ticket issued by Delta pursuant to the SkyMiles Program Rules, by which SkyMiles members may redeem miles and pay applicable government-imposed taxes and fees in exchange for air transportation. All Award Ticket rules apply, as set forth on delta.com and in the specific terms incorporated into your Award Ticket. Award Travel is defined as travel using an Award Ticket. Award Travel seats are limited and may not be available on all flights or in all markets.

SkyMiles account balance must have sufficient miles for the entire Award Ticket(s) being purchased. TakeOff 15 benefit is not combinable with certificates, Delta eCredits, Delta Gift Cards, vouchers, or with any other discounts or promotional offers.

Award Ticket Taxes/Fees:
Award Ticket taxes and fees include only U.S. excise and departure/arrival taxes, airport charges, segment fees, the September 11th Security Fee, and international taxes and fees normally included in the Award Ticket.

Award Ticket Cancellations and Changes:
In the event of a voluntary cancellation of the Award Ticket to which the TakeOff 15 benefit was applied, redeemed miles will be redeposited into the Card Member's SkyMiles account, except for Delta Main Basic (Basic Economy) tickets. Current Award Ticket redeposit fees apply. Delta Main Basic (Basic Economy) cancellations will result in cancellation charge assessed in miles, as outlined in fare rules. Remaining miles after deduction of the cancellation charge will be redeposited to Card Member's SkyMiles account. There is no discount applicable to the cancellation charge.

If changing an Award Ticket after ticketing, discount is applied to the new Award Ticket (if eligible), and the difference in miles will be deducted from the Card Member's SkyMiles account (if the new Award Ticket mileage amount is higher) or redeposited into the Card Member's SkyMiles account (if the new Award Ticket mileage amount is lower). Delta Main Basic (Basic Economy) tickets are not eligible for voluntary changes. SkyMiles Member must be an active Basic Delta SkyMiles Gold, Platinum or Reserve American Express Card Member or Basic Delta SkyMiles Gold, Platinum or Reserve Business American Express Card Member at time that the Award Ticket is changed to be eligible for the TakeOff 15 benefit on the changed Award Ticket.

Miscellaneous:
All SkyMiles Program rules apply to SkyMiles Program membership, miles, offers, mile accrual, mile redemption, and travel benefits. To review the rules, please visit Program Rules. SkyMiles Program and offers are void where prohibited by law, and terms are subject to change without notice. Other restrictions apply.

Total Card Limit for Employee Cards

You may add up to 99 total Employee Cards on your account.

Vendor Pay

Vendor Pay by BILL is available on American Express Business and Corporate Cards.

Card Members must sign up for Vendor Pay and enroll the Card for payments by going to www.americanexpress.com/vendorpay. Not all suppliers may accept American Express virtual payments.

● The Basic plan has no monthly fee for the first user and no fee for a second user for six months from when the first user signs up.
After six months, the second user will have a fee of $15 per month.
The Advanced version has a monthly fee of $59 or $99 per user depending on select accounting systems.

The monthly fees are set by BILL and subject to change at BILL's discretion. Fees are in addition to American Express Card fees. There are additional per transaction fees for check and ACH services.

Year–End Summary

The Online Year–End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.