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Delta Reserve Business Credit Card

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Your Card at a Glance

Premier Travel

Portfolio of premium benefits for an annual fee of $450

  • Spend more, earn more, Get 15,000 MQMs + 15,000 bonus miles after you spend $30,000 in a calendar year1
  • Get personal assistance with a convenient way to take care of business needs while you’re focusing on growing your business
  • You can get complimentary entry at any Delta Sky Club® whenever you fly Delta or one of our 15 airline partners2
  • $175 for each Additional Delta Reserve for Business Credit Card3
  • 20% in-flight savings,4 in the form of a statement credit, on food, beverages and entertainment when you fly Delta
  • No foreign transaction fees5

More Ways To Maximize Miles

Purchase Confidently with Access to Tools & Benefits

OPEN Tools and Access to Benefits

OPEN Tools and Access to Benefits

Get access to tools and benefits that can help you run your business:

  • Tools include ReceiptMatchSM with QuickBooks21, OPEN Savings®22, OPEN Forum® and Account Manager23
  • Access to benefits includes Extended Warranty24 and Dispute Resolution25
  • Support via Online Account Management and 24/7 signature Card Member Business Service
Read More

1. 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 Eligible Spending bonus period may be less than twelve months. If in any calendar year Eligible Spending on the Delta Reserve Card is $30,000 or more, the Basic Card Member will be awarded 15,000 bonus miles and 15,000 Medallion Qualification Miles ("MQMs" as defined in the Delta SkyMiles Membership Guide and Program Rules). If in that same calendar year Eligible Spending on the Delta Reserve Card is $60,000 or more, the Basic Card Member will be awarded an additional 15,000 bonus miles and 15,000 MQMs. The MQMs are not redeemable and only count towards Medallion status. MQMs can be kept by the Basic Card Member or gifted to someone else. MQM gift recipients must have a valid SkyMiles account. If within 90 days, a MQM recipient is not designated, the MQMs will be deposited in the Basic Card Member’s SkyMiles account. Additional Card Member(s) are not eligible to receive miles through Miles Boost; however all Eligible Spending by the Additional Card Member(s) will count towards the Basic Card Member’s spend level to reach the Miles Boost threshold. Card Members may be permitted to have more than one Options, classic, Gold, Platinum, or Delta Reserve SkyMiles Credit Card from American Express account; however, Card Members are only eligible to receive one annual bonus for each type (i.e., Options, classic, Gold, Platinum, or Reserve) of Delta SkyMiles Credit Card account from American Express. All Delta SkyMiles program rules apply. To review the rules, please visit delta.com/memberguide.

2. The Delta Reserve Business Card Member must be traveling on a Delta-coded or Delta-operated flight. Name on ticket must match name on Delta Reserve Business Card. The Delta Reserve Business Card Member must be at least 21 years of age to enter Clubs with a self-service bar, unless they are accompanied by a parent or legal guardian. The Delta Reserve Business Card Member has complimentary access to the Delta Sky Club and may bring his/her spouse or domestic partner and children under the age of 21 years of age at a discounted rate of $29 per person, per visit or up to two guests at a discounted rate of $29 per person, per visit. Additional guests access subject to Delta Sky Club's standard rate, which is available at https://www.delta.com/skyclub. Children aged 2 and under may accompany the Card Member for free. Benefit valid only at Delta Sky Clubs. Codeshare partner and other alliance partner lounges are not included. For same-day ticketed air travel on any flight other than a Delta-coded or Delta-operated flight, the Reserve Business Card Member and up to two guests may access one Club location upon payment of a discounted rate of $29 per person. The Delta Reserve Business Card Member must present his or her valid Card and same-day airline boarding pass to club agents. Note that amenities may vary among airport club locations. Meeting rooms may be reserved for a fee. All Delta Sky Club rules apply. To review the rules, please visit delta.com/skyclub. Offer and rules subject to change. Additional restrictions may apply.

3. The annual fee for the Delta Reserve for Business Credit Card is $450. Each Additional Delta Reserve for Business Card is $175.

4. 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, alcoholic beverages, movies, television shows and video games accessed via Delta’s seatback in-flight entertainment system, and audio headsets on Delta-operated flights. Savings do not apply to any other in-flight purchases, such as in-flight wireless internet access and associated services, SkyMall™, Delta DutyFree, and charitable contributions. To receive the savings, Card Members must use their Delta SkyMiles Credit Card from American Express to complete the in-flight purchase. Savings will appear as a statement credit 6-8 weeks after the transaction is posted to the Card Member's Card account. Offer is subject to change without notice. Additional terms, conditions, and restrictions may apply. See delta.com/mycardcan for details.

5. 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 these transactions.

6. This offer applies to qualifying Delta, Delta Connection® carrier, and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Offer applies to any Delta branded purchase where Delta is the merchant of record via Delta.com or in-flight such as upgrades, miles, seat selection, Sky Club membership or passes, pre-purchased meals, food, beverages, and in-flight entertainment. Offer applies to Delta Vacations® packages but not other all-inclusive packages. Offer is subject to change without notice. Bonus miles will be posted to your Delta SkyMiles® account 8 to 12 weeks after the end of each month. All Delta SkyMiles program rules apply. To review the rules, please visit delta.com/memberguide.

7. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive bonus miles, Card Member's account must be active and not in default at time of bonus fulfillment. Fees, interest charges, balance transfers, cash advances, purchases of traveler’s checks, the purchase or reloading of prepaid cards and purchases of other cash equivalents do not earn miles.

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

9. 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.

10. Upgrades are subject to limited availability and may not be available on all flights or in all markets.

11. Medallion Qualification Miles earned in 2013 above member's earned Medallion threshold level will be rolled over to 2014 and will count toward 2015 Medallion status qualification. In addition, all Medallion Qualification Miles earned between January 1 and December 31, 2013, will count towards 2014 Medallion status.

12. Upgrades and preferred seating are subject to limited availability and may not be available on all flights or in all markets.

13. Upgrades are subject to limited availability and may not be available on all flights or in all markets.

14. Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Delta Reserve SkyMiles Business Credit 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. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. 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. 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 terms, conditions and restrictions may apply. See delta.com/firstbagfree for details.

15. There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

16. Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $75,000 or more, and exotic cars, as described in the Terms and Conditions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms

17. 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.

18. Premium Roadside Assistance provides the following services at no additional cost up to 4 times per calendar year when Card Member is present with the eligible vehicle: towing up to 10 miles, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Card Member will be charged for the costs of towing in excess of 10 miles and any other additional services. Coverage is available in the United States, Canada, Puerto Rico and the U.S. Virgin Islands. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. In case of inclement weather, we may be unable to provide you with services. Services may not be available or may be at the cost of the Card Member on roadways which restrict access to certain service providers. Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 855-431-1156 or see americanexpress.com/RAterms

19. Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member’s American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.

**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

20. American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0400, Policy AX0401, Policy BIP-AX0402, or Policy BIP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000100. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member's American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For checked baggage, a written report of the loss must be filed with the Common Carrier. For carry-on baggage, a written report of the loss must be filed with a local law enforcement agency if theft is suspected. For full Terms and Conditions, see americanexpress.com/BIPterms.

21. ReceiptMatch and Sync with QuickBooks are two separate business tools available with Business Cards from American Express OPEN. ReceiptMatch and Sync with QuickBooks were created to work together. You must enroll in ReceiptMatchSM and in Sync with QuickBooks separately from your American Express online account to use ReceiptMatch with QuickBooks. Sync with QuickBooks works with QuickBooks Online, or with QuickBooks Pro or Premier for Windows 2011 or later with QuickBooks Sync enabled.

22. The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Business Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use the Membership Rewards points in your account. The redemption value of additional points that you receive under the Membership Rewards Points Benefit will be less than the dollar value of statement credits that you receive under the Discount Benefit. You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com. The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

23. Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Account Managers.

24. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

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