THIS IS DREAM GETAWAY STATUS.

†Benefit is limited to Basic Card Members (not Additional Card Members). Taxes/Fees/Restrictions: Companion Certificate valid for one round-trip First Class, Delta Comfort+® or Main Cabin Companion ticket with the payment of applicable taxes and fees detailed below and the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii, Alaska, Puerto Rico or the United States Virgin Islands (USVI) must originate from there to the 48 contiguous United States and have an address on their SkyMiles account in Hawaii, Alaska, Puerto Rico or the USVI. Each year, the Companion Certificate will be made available for redemption on delta.com in your renewal month. If your account anniversary month changes for any reason (for example, due to a card replacement), your Companion Certificate will be issued within your new renewal month. Applicable government imposed taxes and fees vary and depend upon the number of flight segments included in the itinerary and are no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments). Basic Card Members (not Additional Card Members) with the Delta SkyMiles Gold Card, Delta SkyMiles Platinum Card, Delta SkyMiles Reserve Card, Delta SkyMiles Gold Business Card, Delta SkyMiles Platinum Business Card, and Delta SkyMiles Reserve Business Card are eligible to receive the first checked bag fee waiver on Delta and Delta Connection carrier tickets. $40 fee for second checked bag. These allowances are subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Tickets are only available in I and Z classes of service for First Class travel, and only available in L, U, T, X, and V classes of service for Main Cabin travel. For Delta Comfort+ travel, tickets are available in W and S classes of service, but only when L, U, T, X, or V classes of service are available in the Main Cabin. Tickets may not be available on all flights or markets. Companion Certificates are eligible for Complimentary Upgrades which are subject to availability and may not be eligible on all flights. Medallion Members and Reserve Card Members traveling with one companion will be eligible for Complimentary Upgrades to Delta One®, First Class, and Delta Comfort+ based on the status of the higher-tiered Member, as long as the companion is a SkyMiles Member, Medallion Member or partner airline elite member, traveling in the same reservation. Companion tickets are not transferable once issued. Companion Certificate cannot be combined with another offer or discount including, but not limited to, web fares, sale fares and eCoupons. Primary ticket and Companion ticket must be purchased with your Delta SkyMiles Reserve Card. Both passengers must be booked on the same flights and dates, at the same time. Travel for Companion Certificate must be booked and completed by the date on the front of certificate. Validity is not based on the calendar year. Redemption is available only on delta.com/redeem. Certificate terms and conditions may vary each year of Card Membership. Additional restrictions apply. See Companion Certificate for details

1. Benefit is limited to Basic Card Members (not Additional Card Members) with the Delta SkyMiles® Gold, Platinum, or Reserve 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 restrictions may apply.

2. Upgrade Priority
   Delta SkyMiles® Reserve Basic Card Members have access to Upgrade Priority within the Delta SkyMiles Complimentary Upgrade Program. Eligible Card Members who are SkyMiles Medallion Members have priority over other passengers within the same Medallion tier and fare class grouping. Upgrade Priority does not apply to the Airport Paid Standby Program, Regional or Global Upgrade Certificates, and Mileage Award Upgrades. To review the rules, including how to adjust upgrade preference settings within your SkyMiles account, please see https://www.delta.com/content/www/en_US/skymiles/medallion-program/medallion-upgrades.html.

3. Delta SkyMiles® Reserve American Express Basic Card Members who are not SkyMiles Medallion Members are eligible for the Delta SkyMiles Complimentary Upgrade Program. Eligible Card Members will be eligible to receive complimentary upgrades for Delta One® (within the 50 United States), First Class, and Delta Comfort+® after Medallion Members. Basic Economy (E) fares are not eligible for Complimentary Upgrades, regardless of Medallion or other elite status. Complimentary Upgrades are subject to availability and may not be available on all flights or in all markets. Benefit terms and conditions subject to change. All Delta complimentary upgrade rules apply. To review the rules, including instructions on how to adjust upgrade preference settings within your SkyMiles account, please see https://www.delta.com/content/www/en_US/skymiles/medallion-program/medallion-upgrades.html.

4. 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.

5. Miles on Eligible Purchases

   1x Mile on eligible purchases: You will earn 1 mile for each dollar of eligible purchases charged on your Card.

   3x Miles on Delta Purchases: You will earn 2 additional miles (for a total of 3 miles) on each dollar of eligible purchases charged directly with Delta (“Delta Purchases”). Delta Purchases are eligible purchases where Delta is the merchant of record, such as purchases via delta.com the Fly Delta app, phone reservations, or ticket counters, such as upgrades, miles, seat selection, Delta Sky Club® membership, and in-flight purchases of food, alcoholic beverages and audio headsets on Delta-operated flights. Delta Purchases do not include other in-flight purchases where Delta is not the merchant of record, such as in-flight wireless internet access and charitable contributions. Delta Gift Cards do not qualify. Delta Purchases include Delta Vacations® packages but not other all-inclusive packages. 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. 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 mean purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, 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 your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive miles, your Card account must not be canceled or past due at the time of fulfillment.

6. 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.

7. 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. Mileage redemption will be applied toward the base fare and carrier-imposed surcharges prior to being applied toward taxes and fees. In addition, qualifying Pay with Miles tickets are eligible for Medallion Qualification Segments, and Medallion Qualification Miles. Basic Economy fares do not earn miles or earn toward Medallion Status. 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.

8. Status Boost
   If in any calendar year eligible purchases on the Delta SkyMiles® Reserve Card are $30,000 or more, the Basic Card Member will be awarded 15,000 Medallion Qualification Miles ("MQMs" as defined in the Delta SkyMiles Membership Guide and Program Rules). If in that same calendar year eligible purchases on the Card are $60,000, $90,000, and $120,000 or more, the Basic Card Member will be awarded an additional 15,000 MQMs for each threshold. The close of the calendar year is December 31, without regard to the time of the year that the account is opened. This means that for the first year of Card Membership, the Card Member’s eligibility period for the Status Boost® benefit may be less than twelve months. Eligible purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees, 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. Eligible purchases may fall outside of a calendar year 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. Additional Card Member(s) are not eligible to receive MQMs through the Status Boost benefit, however, all eligible purchases by the Additional Card Member(s) will count towards the Basic Card Member’s spend level to reach the Status Boost thresholds. To receive the MQMs, your account must not be canceled or past due at the time the MQMs are posted to your account. MQMs only count towards Medallion Status. MQMs cannot be redeemed toward Award Travel or other Delta redemption options. Card Members are only eligible to receive one annual bonus per threshold per calendar year for each type of eligible Delta SkyMiles Card (e.g., Platinum or Reserve) that is linked to the same SkyMiles account. MQMs can be kept by the Basic Card Member or gifted to someone else. MQM gift recipients must have a valid SkyMiles account. If a MQM gift recipient is not designated within 30 days of the MQMs being made available, the MQMs will be deposited in the Basic Card Member’s SkyMiles account. You can claim or gift MQMs by logging into delta.com and reviewing your SkyMiles account. Eligibility for Delta’s Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending on qualifying flights. Basic Economy fares do not earn miles or earn toward Medallion Status. Full terms: delta.com/memberguide. For more information about the requirements for Medallion Status, please visit www.delta.com/en_US/skymiles/medallion-program.

9. Medallion Qualification Dollar Waiver
   If the Medallion Qualification Dollar (MQD) thresholds are not met for a Qualification Year, you can still qualify for Platinum, Gold and Silver Medallion Status if you have earned the required Medallion Qualification Miles (MQMs) or Medallion Qualification Segments (MQSs) and make at least $25,000 in eligible purchases within that Qualification Year on your Eligible Card. If the MQD threshold is not met for a Qualification Year, you can qualify for Diamond Medallion Status if you have earned the required MQMs or MQSs and make at least $250,000 in eligible purchases within that Qualification Year on your Eligible Card. A Qualification Year is from January 1 to December 31 of a given year. The close of the Qualification Year is December 31, without regard to the time of the year that the credit card account is opened. This means that for the first year of Card Membership, the Card Member’s eligible purchase period may be less than twelve months. Eligible purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees, interest charges, balance transfers, cash advances, purchases of travelers' checks, person-to-person transactions, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Eligible purchases may fall outside of the Qualification Year 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 may result in a delay in receiving the MQD Waiver. You can confirm whether you have met the eligible purchase threshold for the MQD Waiver by logging into your SkyMiles account on delta.com or in the Fly Delta app. Eligible purchases made by Additional Card Members on the Basic Card Member's Eligible Card Account will count toward the eligible purchase threshold. Eligible Cards are the following: Delta SkyMiles® Platinum Card, Delta SkyMiles® Reserve Card, Delta SkyMiles® Platinum Business Card, and Delta SkyMiles® Reserve Business Card. Other Cards are not eligible for the MQD Waiver. However, if linked to the same SkyMiles number, eligible purchases made on a Delta SkyMiles® Blue Card, Delta SkyMiles® Gold Card, Delta SkyMiles® Business Card, or Delta SkyMiles® Gold Business Card will continue to count towards the MQD Waiver spend threshold requirements. This benefit extends to Basic Card Members only. Additional Card Members are not eligible.

10. Delta Sky Club Access
    Delta SkyMiles® Reserve Basic and Additional Card Members receive complimentary access to the Delta Sky Club when traveling on a same-day Delta-marketed or Delta-operated flight. Reserve Card Members traveling on a Delta partner airline flight that is not marketed or operated by Delta may access the Club at an exclusive per-visit rate of $39 per person, per location. Card Members may also bring up to two guests or immediate family (spouse or domestic partner and children under 21 years of age) at the exclusive per-visit rate of $39 per person, per location. The Delta SkyMiles Reserve Card must be used as the payment method to receive the exclusive per-visit rate. Guests must be flying on a same-day Delta or Delta partner airline flight. Children under 2 years of age may accompany the Card Member for free. The Card Member must present a valid Card, same-day Delta or Delta partner boarding pass, and government-issued I.D. to the Delta Sky Club ambassador. Name on boarding pass must match name on the Card. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the Club. Benefit valid only at Delta Sky Club. Partner lounges are not included. Note that amenities may vary among airport club locations. All Delta Sky Club rules apply. To review the rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.

11. Upon account opening and each year upon account renewal, a Delta SkyMiles Reserve American Express Basic Card Member will be issued two one-time guest passes for complimentary access to the Delta Sky Club. The one-time guest passes will be available to view in the Card Member’s Wallet in the Fly Delta app and in My Profile on delta.com under Certificates, eCredits, and Vouchers. Please allow up to 72 hours for deposit. 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 one-time guest passes expire within one (1) year from the date of issuance. If your account anniversary month changes for any reason (for example, due to a card replacement), your passes will be issued within your new renewal month. To redeem, the Card Member must present his or her valid Card, same-day Delta or Delta partner boarding pass, and government-issued I.D. to the Delta Sky Club ambassador. The Basic Card Member must be present in order to use the one-time guest passes and all eligibility rules of the Delta Sky Club benefit apply. The guests must be traveling on a same-day Delta-marketed or Delta-operated flight. The Card Member may only use two one-time guest passes per Delta Sky Club visit. One-time guest passes are non-transferable, cannot be assigned or sold, and have no cash value. Benefit valid only at Delta Sky Clubs. Partner lounges are not included. All Delta Sky Club rules apply. To review the rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.

12. Delta SkyMiles® Reserve Basic and Additional Card Members receive complimentary access to The Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express charge or credit Card. A Card Member may bring up to two guests at a per-visit rate of $50 per person, per location. Guests must be traveling on a same-day Delta-marketed or Delta-operated flight. Eligible lounges include all Centurion Lounges located in the United States, Hong Kong, and London. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Delta SkyMiles® Reserve Card, a boarding pass showing a confirmed reservation for eligible Delta Air Lines flight, and a government-issued I.D. Failure to present these items may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location's jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from The Centurion Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in The Centurion Lounge are complimentary, however, you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

13. Delta SkyMiles Reserve American Express Basic Card Members are eligible to receive one statement credit every 4 years for the application fee for Global Entry or every 4.5 years for TSA PreCheck® when charged to their eligible Card through any Authorized Enrollment Provider. Card Members on eligible accounts will receive the statement credit for a 5-year program option, all other term options are not eligible to receive the statement credit. Card Members will receive a statement credit for the first program (either Global Entry or TSA PreCheck®) to which they apply and pay for with an eligible Card. The charge for the application fee can be made by the Basic Card Member or any Additional Card Members on a single Card account. Card Members can receive no more than one credit for up to $85 for TSA PreCheck® or $100 credit for Global Entry (but not both programs), depending on the program for which the Card Member first applies. American Express has no control over the application and/or approval process for Global Entry or TSA PreCheck®, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA PreCheck® programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA PreCheck®) charge an application fee to process each respective application regardless of whether the Card Member's application is approved. The Department of Homeland Security may suspend acceptance of applications on any basis at its discretion. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA PreCheck®) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within four years, even if the original application is rejected.

    Membership for Global Entry or TSA PreCheck® is per person, and a separate application must be completed for each individual. For additional information on the Global Entry and TSA PreCheck® programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.globalentry.gov for Global Entry and www.tsa.gov for TSA PreCheck®. The Global Entry and TSA PreCheck® programs are subject to change, and American Express has no control over those changes. The statement credit benefit applies to the Global Entry or TSA PreCheck® programs only. Other program applications including, but not limited to, NEXUS, SENTRI and Privium are not eligible for the statement credit benefit.

    Please allow up to 8 weeks after the qualifying Global Entry or TSA PreCheck® transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible Global Entry and TSA PreCheck® purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Card Members are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active through the time of statement credit fulfillment.

    Global Entry Fee Credit Option:
    Global Entry is a CBP program that allows expedited clearance for pre-approved, low-risk international travelers upon arrival in the United States. Global Entry membership also includes access to the TSA PreCheck® program with no additional application or fee required. If a Card Member applies separately for TSA PreCheck® with the same eligible Card, the TSA PreCheck® application fee is not eligible for a statement credit. To receive the $100 Global Entry statement credit, Card Members must pay for the $100 Global Entry application fee with an eligible Card. Global Entry members can opt in to TSA PreCheck® by entering their Global Entry membership number (PASS ID) in the "Known Traveler Number" field each time a flight reservation is made on a participating airline. Alternatively, Card Members can add their Global Entry PASS ID to their frequent flyer profile(s) with the participating airline(s) and then ensure that their frequent flyer number is entered for each flight booking. If Card Member is approved, membership into the Global Entry program is valid for five years and subject to the program's terms and conditions. You must reapply for the Global Entry program every five years for continuous benefits.

    TSA PreCheck® Fee Credit Option:
    TSA PreCheck® is an intelligence-driven, risk-based program managed by TSA that allows low-risk travelers to experience faster, more efficient screening at participating U.S. airport checkpoints for domestic and international travel. The TSA PreCheck® application program is a Department of Homeland Security Trusted Traveler program. Enrolling in TSA PreCheck® does not guarantee selection for expedited screening each time a passenger travels. To receive the TSA PreCheck® statement credit of up to $85, a Card Member must pay for the TSA PreCheck® application fee through any Authorized Enrollment Provider with their eligible Card. If Card Member is approved, Membership into the TSA PreCheck® program is valid for the duration of the plan that the Card Member selected and subject to the program's terms and conditions. Card Members will not receive a statement credit for a plan duration that is less than five years.

14. Pay It®
    Pay It® is only available in the American Express App® for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments.

    Your account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Card account issued by a U.S. banking subsidiary of American Express that is not canceled, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible.

    Plan It®
    With Plan It®, you can create up to 10 active payment plans, each subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active.

    To create a plan, select qualifying purchases of $100 or more and a plan duration. If you have a Card with a Credit Limit, you may also be able to select a qualifying amount of $100 or more and a plan duration. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. However, you may select only one qualifying purchase for each plan that you create in the American Express App. Plan duration options may vary depending on the total dollar amount of the qualifying purchases (or qualifying amount, if you have a Card with a Credit Limit) you move into a Plan. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) do not include purchases of cash or cash equivalents, purchases subject to Foreign Transaction Fees, or any fee owed to us, including Annual Membership fees.

    Your ability to create plans will be based on a variety of factors such as your creditworthiness, and your Credit Limit or Pay Over Time Limit, as applicable. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. You may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. You will not be able to create plans if your Pay Over Time feature is suspended or your Account is canceled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. The number and length of plan duration options offered to you, the number of active plans you can have at a time, and your ability to include multiple qualifying purchases in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history. After a plan is paid in full, it will be removed from your Account in the next billing period.

    Plan It is available on Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Only the Basic Card Member or Authorized Account Managers on the Account can create a plan. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or Account numbers issued by other financial institutions are not eligible.

15. When you use your Card for recurring bills, you are permitting the merchant to store your Card information so that the merchant can periodically charge your Card account for goods or services you purchase from the merchant. You must notify the merchant directly if you want the merchant to stop charging your Card account.

16. The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible. To log in, Card Members must have an American Express user ID and password or create one in the app.

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

17. 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. 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 https://www.amexoffers.com/partnerterms

18. Additional Card Members do not have accounts with us but can use your Account subject to the terms of the Card Member Agreement. They must be at least 13 years of age and never had a defaulted account with American Express. You are responsible for the activity and use of your Account by Additional Card Members. You must pay for all charges they make.

    When you request that we apply a limit as described below on Charges incurred by an Additional Card Member on your Account, you agree to these terms. These terms supplement, and are incorporated by reference into, the terms of your Card Member Agreement. At your request, we may agree to apply a limit to the total dollar amount of Purchases, during each billing period, that are charged to Card numbers associated with one or more specified Additional Card Members on your Account. At your request, we may agree to apply a limit to the total dollar amount of cash access transactions at ATMs, during each billing period, that are made using Card numbers associated with one or more specified Additional Card Members on your Account. If we agree to apply a limit, it is not a guarantee that the Additional Card Member will be able to make Purchases or cash access transactions up to the applicable limit. In applying any limit we will not take into account any credits (such as for returned merchandise or for payments), even if a credit relates to a Purchase made by the Additional Card Member. Any request that we change a limit may not be effective until a subsequent billing period. Any Charges (as defined below) incurred by the Additional Card Member prior to the date during a billing period that we apply the limit will not be subject to the limit for that billing period. Because of systems or administrative considerations, arrangements with merchants, or for other business reasons, we may, but are not required to, treat some Purchases and/or cash access transactions (collectively, Charges) as not being subject to any such limits. 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. While we typically require merchants to obtain an authorization for purchases and submit final transaction documentation for payment in a timely manner, a limit may not apply or may be exceeded when a merchant does not obtain an authorization for any reason; when a merchant obtains an authorization for a partial amount of the final charge submitted to us for payment; or when such submissions are not submitted or processed at the same time that the authorization is obtained. Examples may include, but are not limited to: Charges made outside of the U.S., in duty-free stores, or on board airplanes or cruise vessels; international airline ticket Purchases; vehicle rentals; lodging stays extended beyond original reservation period; certain mail order Purchases; Purchases billed on a recurring basis; Purchases at gas stations; telecommunications charges, including charges incurred with calling cards; taxicab charges; security deposits; late, damage or other fees in connection with rentals; Purchases billed in installments; restaurant tips and other gratuities; and Charges that occur before the end of billing period, if the Charge is posted to your Account after the Closing Date of that billing period. Any limit will not be applied to Charges for foreign currency or for travelers cheques or gift cheques obtained other than by telephone from us. The Spending Limit for the Additional Card Member(s) is optional. If no Spending Limit is set on the Additional Card, spending capacity on this Card will be subject to the Basic Card Member's account terms and conditions.

19. This offer is available online only to Basic Card Members. Please allow 8–12 weeks for the Referral Bonus to post to your account after each referred individual is approved for the Card. You cannot earn a Referral Bonus for those who currently have the Card you recommended or for individuals who have been referred by someone else. Due to the confidential nature of the credit approval process, you will not be notified of whether we approve or decline any application(s) from individual(s) you refer. Also, the individuals you refer may not receive the referral email if they have previously “opted out” of receiving email marketing communications from American Express. Any violation or abuse of this program may result in the forfeiture of the Referral Bonus. In order to receive the Referral Bonus, your Card account must not be canceled or past due at the time of fulfillment. Terms & restrictions of the rewards program corresponding to your Card account apply. NOTE: The value of the Referral Bonus may be taxable income to you; you are responsible for any federal or state taxes resulting from the Referral Bonus. Please consult your tax advisor if you have questions about the tax treatment of the Referral Bonus.

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 are void where prohibited by law. Offers are subject to change without notice. Other restrictions apply.