PLEASE SCROLL DOWN TO READ IMPORTANT INFORMATION ABOUT RATES, FEES, AND OTHER COST INFORMATION BEFORE SUBMITTING YOUR APPLICATION.

Important information regarding rates, fees, and other cost information

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

20.99% (Prime Rate + 12.49%) to 29.99% (Prime Rate + 21.49%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.99% (Prime Rate+ 21.99%)
This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

29.99% (Prime Rate+ 25.99%)
This APR will vary with the market based on the Prime Rate.
This APR will apply to your account if:
1) You make 2 or more late payments in a 12-month period;
2) You do not pay the Minimum Payment due by the closing date of the billing period in which it is due; or
3) You make a payment that is returned.
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for a minimum of 12 billing periods in a row, and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.

Paying Interest

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Fees

Annual Membership Fee

$0 intro annual fee for the first year, then $150

Transaction Fees

 
  • Cash Advance
  • Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
  • None
Penalty Fees
 
  • Late Payment
  • Up to $39
  • Overlimit
  • None
  • Returned Payment
  • $39


How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."

Loss of Introductory APR:If a penalty APR applies to your account for any reason we will end any introductory APRs and a penalty APR will apply to your Account.

Variable APRs will not exceed 29.99%.

Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal on the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, Variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 03/28/2024.

TERMS AND CONDITIONS

View the full Card Member Agreement.

By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents. When you use the Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you for the Account. The Card Member Agreement includes an arbitration provision, which impacts the opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. We may change the terms of, or add new terms to, the Card Member Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.

Additional Cards: You must notify Additional Card Members that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Card Member Agreement. The maximum number of Additional Cards issued on each Account is 99.

USA PATRIOT Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

New York Residents: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov

Cash advance at ATMs: We may issue you a Personal Identification Number (PIN) to use to obtain cash advances at participating ATMs. Or you may request a PIN for cash advances by contacting us. We will send you a letter confirming your PIN.

The trademarks Delta, SkyMiles, and the Delta logo are exclusive property of Delta Air Lines, Inc. The trademarks are registered, or registrations are applied for, in countries of the world served by Delta. © 2024. 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. Offers void where prohibited by law. Offers are subject to change without notice. Other restrictions apply.

Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

The Delta SkyMiles® Gold Business American Express Card is issued by American Express National Bank. ©2024 American Express National Bank.

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OFFER TERMS

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.


55,000 Bonus Miles
You can earn 55,000 bonus miles after you make $4,000 or more (the "Threshold Amount") in eligible purchases on your Delta SkyMiles® Gold Business American Express Card within your first 6 months of Card Membership starting from the date that your account is opened. Miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. Bonus Miles may appear on your account in more than one deposit. To receive the 55,000 bonus miles, your Card account must not be canceled or past due at the time of fulfillment. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the spend requirement do NOT include fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for their own offer. In rare instances, your period to spend $4,000 may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). This offer is not transferable. American Express reserves the right to modify or revoke offer at any time.

If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain an offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit, we may freeze, or we may take away the bonus miles from your account. We may also cancel this Card account and other Card accounts you may have with us.

Annual Fee
The introductory annual fee for the Delta SkyMiles® Gold Business American Express Card will be $0 for the first year of Card Membership. After that, the annual fee will be $150.

Instant Card Number
If approved to receive an Instant Card Number, you may receive a temporary minimum line of credit in the amount of $1,000 for use. Once you receive and activate your Card, you will have access to your full line of credit for use anywhere the Card is accepted.

BENEFIT TERMS

The following benefits and services are subject to change or cancellation.

$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). American Express relies on the merchant's processing of transactions to determine the transaction date. The transaction date may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases 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. 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 credits may not be received or may be reversed if the booking is cancelled or modified. Please allow up to 90 days after an eligible charge is posted to the Card Account for the applicable statement credits to be posted to the Card Account. Call the number on the back of the Card if statement credits have not posted by that time, or for additional information. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. If American Express does not receive information that identifies your transaction as eligible, the Basic Card Member will not receive the statement credits. 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.

$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 be applied toward the Delta airfare portion of a Delta Vacations package. The Credit is only valid for payment of tickets, including fare, surcharge and government-imposed taxes and fees imposed on the air transportation. 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. The Credit will be issued as a Delta eCredit, which will be available in "My Profile" on delta.com under "Certificates, eCredits, and Vouchers." Visit delta.com/redeem for more information about redemption options. The certificate number, a redemption code, and redemption instructions will also be sent to the email address listed on your Delta SkyMiles account. Limit one Credit per calendar year per Card Account. Please allow up to 2 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. 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 the transaction date submitted to us by the merchant, which may differ from the date you make a purchase, to determine whether the purchase counts toward the Purchase Requirement in that calendar year. This means that in some cases your purchases may not count toward the Purchase Requirement in the year in which you made the purchases. For example, if you make a purchase on December 31 and the merchant lists the transaction date as January 1 when they submit the transaction data to us, your purchase will be counted 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

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 Basic or any Additional Cards on the Card Account. Savings do not apply to 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 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.

To be eligible for this benefit, Card Account(s) must not be canceled and not 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.

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 Access

Access tickets may be purchased by American Express® Card Members for select events and select seats, during a specified period. Tickets must be purchased using an American Express Card (including, for example, the American Express International Dollar Cards). 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. Access 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.

American Express Early Access

Early Access tickets may be purchased by American Express® Card Members 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 (including, for example, the American Express International Dollar Cards). 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. Early Access 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.

American Express Experiences

Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members. Tickets must be purchased with an American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities. For more information, please visit americanexpress.com/entertainment.

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.

American Express® App

iOS and Android only. See app store listings for operating system info.

Amex Offers

Eligible Card Members can redeem an Amex Offer by first enrolling in the offer in their online account or in the American Express® App and then using their enrolled Card to pay. Only U.S.-issued American Express Consumer and Business Cards and registered American Express Serve® and Bluebird Cards may be eligible. We may consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your eligibility to access Amex Offers. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers program, or any other Amex program. Offers are also available to Additional Card Members and available offers may vary for each eligible Card Member. Please review the terms of each offer for details on how to redeem. For full Program Terms, visit www.americanexpress.com/us/amexoffersterms/.

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.  

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 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.

Delta SkyMiles MarketPlace

SkyMiles Marketplace is for use only by SkyMiles Medallion® members or customers that have a U.S. issued Delta SkyMiles American Express Card. All redemption offers and awards are subject to change and to the terms and conditions of each individual merchant. Offers, rules and participating merchants are subject to change without notice. All SkyMiles Marketplace terms apply. To review the rules, please visit https://marketplace.delta.com/b2r/ui/index#!/terms_and_conditions.

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 Business American Express, Delta SkyMiles® Platinum Business American Express, or Delta SkyMiles® Reserve Business American Express Cards. Reservation must include the Basic Card Member's SkyMiles number. Fee waiver also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine waivers per reservation. Waiver is only for normal 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. Offer terms and conditions subject to change. Additional terms, conditions and restrictions may apply. See delta.com/firstbagfree 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 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 cancellation policy at a lower price online, before taxes and fees, we'll refund you the difference. For pre-paid 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 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 your 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. 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

Card Members are entitled to receive Main Cabin 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members) with the Delta SkyMiles Gold, Platinum or Reserve Cards. Reservation must include the Basic Card Member's SkyMiles number. Main Cabin 1 Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Main Cabin 1 Priority Boarding. Main Cabin 1 Priority Boarding will only be available on Delta and Delta Connection carrier operated flights. Delta does not offer Main Cabin 1 Priority Boarding on Delta Shuttle® flights. New Card Members and Card Members upgrading from another Delta SkyMiles American Express Card will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is 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.

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.

SkyMiles Online Auction

All SkyMiles Online Auction rules apply, visit https://www.skymilesexperiences.com for more details. All Delta SkyMiles program rules apply. To review the rules, please visit delta.com/memberguide. Offers, prices and rules are subject to change without notice. Offers void where prohibited by law. Additional restrictions may 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 Basic Economy tickets. Current Award Ticket redeposit fees apply. 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). 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.com 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.com and subject to change at Bill.com'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.

AMEX ASSURANCE COMPANY DISCLOSURES

For important information on policy terms, go to americanexpress.com/benefitsguide

Baggage Insurance Plan

Baggage Insurance Plan is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/BIPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/CRLDIterms. If You have any questions about a specific vehicle, please call Us at 1-800-338-1670, if international, collect at 1-303-273-6497.

Extended Warranty

Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/EWterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.

Purchase Protection

Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.