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January 27, 2024: We’ve updated our guide to include both good and not-so-good reasons to carry a Delta Air Lines credit card.
Delta Air Lines offers seven credit cards in partnership with American Express. If you’re looking for free checked bags, a path to elite status, or lounge access, one of the Delta credit cards can help you get there. (Terms apply to all benefits)
But which credit card is right for you? In this article, we’ll help you decide.
In this article…
Current welcome offers and annual fees
All of the Delta credit cards offer the opportunity to earn a welcome offer to eligible new cardmembers and most have annual fees. Here are the current offers available on every Delta Air Lines credit card. For more on these offers, see our article on the best Delta credit card welcome offers.
Delta SkyMiles® Blue American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Since Delta SkyMiles® don’t expire, there’s little reason to get this card. |
Delta SkyMiles® Gold American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Many times, you can find a better targeted offer on the Delta Gold card. See our coverage of the best Delta Gold Card bonuses for details. Entry-level card offering a free checked bag benefit. Consider getting the business version of the card instead—the business card offers a larger Delta Stays statement credit. |
Delta SkyMiles® Platinum American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Paying the card’s annual fee effectively buys you a Main Cabin companion certificate every year after your first cardmember anniversary and 2,500 Medallion® Qualifying Dollars every year. |
Delta SkyMiles® Reserve American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Includes 15 visits to the Delta Sky Club® each year and the ability to earn unlimited visits by spending $75,000 on the card in a year. |
Delta SkyMiles® Gold Business American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Offers a larger Delta Stays statement credit than the personal version, plus greater rewards in some business categories. |
Delta SkyMiles® Platinum Business American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Best card for large purchases of $5,000 or more. |
Delta SkyMiles® Reserve Business American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. The best rewards on general purchases within the Delta credit card lineup. (1.5x on other purchases after spending $150,000 on the card in a calendar year.) |
Why carry a Delta credit card?
In most cases, the value proposition of the Delta credit cards in the first year is pretty strong, thanks to the welcome offers above. But there are plenty of reasons why you might want to hold onto a Delta credit card even after the first year.
Good reasons to get a Delta credit card
In our view, here are the most compelling reasons to hold onto a Delta credit card. In many cases, these single benefits may entirely justify paying a card’s ongoing annual fee to keep the card.
- Getting a free checked bag. All of the Delta Air Lines credit cards other than the Delta SkyMiles® Blue American Express Card offer a free first checked bag for you and up to eight people on your reservation. If you would otherwise pay for a checked bag and travel a few times a year on Delta, this benefit alone can justify the annual fees of the lower-tier cards.
- You redeem lots of SkyMiles and want the 15% discount. If you redeem 100,000 or more SkyMiles per year for flights on Delta (not its partners), you’re probably getting enough value from this discount to justify the annual fee of one of the lower-tier cards.
- Companion certificates. If you have one of the Delta Platinum or Delta Reserve cards, you’ll get. In some cases, you might be able to redeem these for significant value, displacing cash that you would otherwise spend anyway. Just be aware of the restrictions—you won’t be able to use these for every flight you can book at Delta.com and the expiration dates.
- MQD Headstart. Both the business and personal variants of the Delta Platinum and Delta Reserve cards offer 2,500 Medallion Qualifying Dollars just for having the card. This can provide plenty of value if it pushes you to a higher tier of Medallion status.
- Sky Club® Access. In some cases, having one of the Delta Reserve cards is the best way to get access to the Delta Sky Club, but with the early-2025 cuts to this benefit, there could be a better way of accessing the Delta Sky Club.
Not-so-good reasons to hold onto a Delta credit card
While Delta credit cards can offer plenty of value, in some cases, the marketing hype doesn’t match the real value provided by the card. Many times, there are cards that offer better rewards and benefits with lower (or no) annual fees and the terms, restrictions, and hoops that you have to jump through for some perks greatly diminish their value.
Here are common reasons people might hold Delta credit cards that we think are less-good, and why.
- Earning miles (or elite status) for spending. Most airline and hotel credit cards offer notoriously poor value for ongoing spending and the Delta cards are no different. You can get more value with no-annual-fee cash back cards. And even if your objective is to earn Delta miles, you can do better using cards that earn Membership Rewards® and transferring those points to Delta.
- Statement credits for Delta Stays, Resy, and Rideshare. Amex is quite fond of offering a long list of statement credits on its premium cards, but you’ll likely find yourself needing to jump through hoops to maximize the value of these credits.
- Unlimited Sky Club access. In 2024, Delta announced that Delta Reserve cardmembers would no longer get unlimited visits to the Delta Sky Club as a benefit of the card, but rather could earn unlimited visits after spending $75,000 on the card within a calendar year. Because the Delta cards earn relatively poor rewards for spending, the opportunity cost of putting that spending on a Delta card is high. In most cases, you’re better off using a 2% cash back card for everything and buying a Delta Sky Club membership outright.
- Travel and insurance benefits. Some Delta credit cards offer some travel and insurance benefits, but you’ll find more generous benefits at lower price points with other premium credit cards.
Benefits when flying Delta: Sky Miles credit card perks specific to Delta Air Lines flights
One of the best reasons to get an airline credit card is for its benefits when flying on the airline. All Delta credit cards with an annual fee offer a free first checked bag. Here’s what you can expect when flying on Delta.
Additional details on each benefit can be found below the tables or by clicking on the linked benefit names. Terms apply to all benefits.
Benefits of personal Delta credit cards
| Delta SkyMiles® Blue American Express Card | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Platinum American Express Card | Delta SkyMiles® Reserve American Express Card | |
|---|---|---|---|---|
 |  |  |  | |
| Annual fee | annual_fees | annual_fees | annual_fees | annual_fees |
| (See Rates and Fees) | (See Rates and Fees) | (See Rates and Fees) | (See Rates and Fees) | |
| Earnings on Delta Air Lines purchases | 2x | 2x | 3x | 3x |
| 20% back on Delta in-flight purchases | ||||
| First checked bag free | – | |||
| TakeOff 15 (15% discount on Delta award travel) | – | |||
| Priority boarding (Zone 5) | – | |||
| Complimentary upgrades | – | – | ||
| MQD Headstart | – | – | ||
| MQD Boost | – | – | $1 MQD for every $20 of purchases | $1 MQD for every $10 of purchases |
| $200 Delta flight credit | – | Earned after spending $10,000 in purchase on your card in a calendar year | – | – |
| Annual companion certificate after renewal | – | – | Main Cabin | First Class, Delta Comfort+, or Main Cabin |
| Complimentary Delta Sky Club® access | – | – | – |
Benefits of small business Delta credit cards
| Delta SkyMiles® Gold Business American Express Card | Delta SkyMiles® Platinum Business American Express Card | Delta SkyMiles® Reserve Business American Express Card | |
|---|---|---|---|
 |  |  | |
| Annual fee | annual_fees | annual_fees | annual_fees |
| (See Rates and Fees) | (See Rates and Fees) | (See Rates and Fees) | |
| Earnings on Delta Air Lines purchases | 2x | 3x | 3x |
| 20% back on Delta in-flight purchases | |||
| First checked bag free | |||
| TakeOff 15 (15% discount on award travel) | |||
| Priority boarding (Zone 5) | |||
| Complimentary upgrades | – | ||
| MQD Headstart | – | ||
| MQD Boost | – | $1 MQD for every $20 of purchases | $1 MQD for every $10 of purchases |
| $200 Delta flight credit | Earned after spending $10,000 in purchase on your card in a calendar year | – | – |
| Annual companion certificate after renewal | – | Main Cabin | First Class, Delta Comfort+, or Main Cabin |
| Complimentary Delta Sky Club® access | – | – |
Delta Sky Club® Access: Entry into airport lounges when traveling on Delta
The Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card both offer cardmembers access to the Delta Sky Club®. Here’s what these cards offer through 1/31/2025. See below for important changes coming in 2025.
- Access to the Delta Sky Club® when traveling on Delta under the following conditions:
- You must be traveling on a same-day Delta-marketed or Delta-operated flight departing from or arriving at the airport in which the Sky Club you are accessing is located.
- You may access the Delta Sky Club within three hours prior to your flight or during your connection.
- You may not be traveling on a Basic Economy (E) or similar ticket.
- You may access the Delta Sky Club when traveling on a Delta partner flight that is not marketed or operated by Delta by paying a per-visit fee.
- Four Delta Sky Club One-Time Guest Passes each year.
Changes coming in 2025: Limits to Sky Club access.
In 2025, Delta Sky Club access is changing. Here’s how:
Effective 2/1/2025, Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card cardmembers will receive 15 visits per year to the Delta Sky Club. If you want to earn an unlimited number of visits each year, starting on 2/1/2025, you must spend $75,000 or more in eligible purchases on your card in a calendar year.
A “visit” includes all entries into a Sky Club within 24 hours of your first entry. For example, if you enter the Delta Sky Club in Minneapolis at 9:00 a.m., fly to Detroit, and enter the Sky Club at 3:00 p.m. on the same day, both entries will count as the same visit.
Once you’ve met the qualifying spending, you’ll receive unlimited visits through the end of the following calendar year. For example, if you spend $75,000 on your card from January 1, 2025 and August 15, 2025, you’ll receive Delta Sky Club access through the end of 2026, the calendar year after the year in which you met the spending requirements. Amex’s terms state that the unlimited Sky Club access is usually processed within a week of satisfying the spending requirements, but that it may take up to 12 weeks to become effective in some cases.
Complimentary upgrades: A chance to get up front, even without Medallion status
Complimentary upgrades are a benefit of the Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card on tickets purchased on or after February 1, 2024.
If you are an eligible card member and request an upgrade, you may receive complimentary upgrades to seats in the following cabins:
- Delta One® (within the 50 United States)
- First Class
- Delta Premium Select® (within the 50 United States)
- Delta Comfort+®
If an upgrade is available, you will only be upgraded after all Medallion members and, if you hold a Delta SkyMiles® Platinum American Express Card or Delta SkyMiles® Platinum Business American Express Card, after Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card cardmembers are upgraded.
Basic Economy fares (E fares) are not eligible for complimentary upgrades. Terms apply. Benefit terms and conditions are subject to change.
Priority boarding: Zone 5 for you and everyone traveling with you
When you book a Delta or Delta connection flight, you are eligible to receive Zone 5 boarding if you hold an eligible card. Everyone in your same reservation traveling with you will also receive Zone 5 boarding. Delta does not offer Zone 5 boarding on Delta Shuttle flights.
If you hold Medallion status and are eligible for a higher boarding priority don’t worry…you will receive the highest boarding priority you are eligible for.
Zone 5 boarding is available on all Delta Sky Miles credit cards that carry an annual fee.
Rewards: Earn SkyMiles by using Delta credit cards
Generally, airline credit cards are less-rewarding for spending than cash-back or transferable point credit cards. In most cases, you can earn more valuable rewards on most of your spending by using other cards.
However, it can still make sense to use Delta credit cards for spending. If you’re trying to earn Delta Medallion Qualification Dollars by spending on one of the Reserve or Platinum cards or going for one of the Delta Flight Credits offered on the Gold cards, it may make sense to put a limited amount of spending on your Delta cards. Here’s what each of the Delta credit cards earns.
Personal Delta SkyMiles credit card rewards
Here’s how many SkyMiles you’ll earn per dollar when you use each of Delta’s personal credit cards. For small business credit cards, scroll down to our small business credit card table.
| Delta SkyMiles® Blue American Express Card | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Platinum American Express Card | Delta SkyMiles® Reserve American Express Card | |
|---|---|---|---|---|
| | | | |
| Annual fee | annual_fees (See Rates and Fees) | annual_fees (See Rates and Fees) | annual_fees (See Rates and Fees) | annual_fees (See Rates and Fees) |
| Delta Air Lines purchases made directly with Delta. | 2x | 2x | 3x | 3x |
| Hotels worldwide | – | – | 3x | – |
| Restaurants worldwide including takeout and delivery in the U.S. | 2x | 2x | 2x | – |
| U.S. supermarkets | – | 2x | 2x | – |
| Other purchases | 1x | 1x | 1x | 1x |
More on the categories of Delta’s personal credit cards
Here’s a bit more on each of the rewards categories offered on the Delta Air Lines personal credit cards.
- Delta Air Lines purchases includes purchases at Delta.com, in the Fly Delta app, and through phone reservation. Delta Air Lines purchases also includes Delta Stays prepaid hotel and vacation rental bookings on the Delta Stays platform and Delta Vacations® packages but not other all-inclusive packages. Delta purchases do not include Delta Gift Cards, purchases made at deltashop.com, or the Delta Flight Museum.
- Hotels worldwide include charges payments made directly to the hotel (e.g. upon check-in or check-out). You will not earn bonus miles in this category for bookings made through third-parties including online travel agents. You may receive bonus points for incidental charges charged to the room and paid for with your card at checkout.
- Restaurants worldwide include standalone restaurants. You may not receive bonus miles for a restaurant located within another establishment, such as a hotel, casino, or event venue, or for food purchased through a third-party delivery service outside the U.S.
- U.S. supermarkets are supermarkets located within the United States. Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets.
- Other purchases includes other purchases that are eligible to receive SkyMiles. Some purchases, such as fees, interest charges, and purchases of some cash-equivalents may not receive rewards.
Small business Delta SkyMiles credit card earning rates
Here’s how many SkyMiles you’ll earn per dollar when you use each of Delta’s small business credit cards.
| Delta SkyMiles® Gold Business American Express Card | Delta SkyMiles® Platinum Business American Express Card | Delta SkyMiles® Reserve Business American Express Card | |
|---|---|---|---|
 |  |  | |
| Annual fee | annual_fees (See Rates and Fees) | annual_fees (See Rates and Fees) | annual_fees (See Rates and Fees) |
| Delta Air Lines purchases made directly with Delta. | 2x | 3x | 3x |
| Hotels worldwide | – | 3x | – |
| Restaurants worldwide including takeout and delivery in the U.S. | 2x | – | – |
| U.S. purchases for advertising in select media. | 2x (on up to $50,000 in purchases per year, then 1x) | – | – |
| U.S. shipping purchases | 2x (on up to $50,000 in purchases per year, then 1x) | 1.5x (on up to $100,000 of combined eligible 1.5x category purchases per year, then 1x) | 1.5x |
| U.S office supply store purchases | – | – | 1.5x |
| Transit (Includes ride share, taxicabs. and more.) | – | 1.5x (on up to $100,000 of combined eligible 1.5x category purchases per year, then 1x) | 1.5x |
| Large purchases ($5,000 or more.) | – | 1.5x (on up to $100,000 of combined eligible 1.5x category purchases per year, then 1x) | – |
| Other purchases | 1x | 1x | 1x 1.5x miles on other purchases after you spend $150,000 on your card in a calendar year |
More on the categories of Delta’s personal credit cards
- Delta Air Lines purchases includes purchases at Delta.com, in the Fly Delta app, and through phone reservation. Delta Air Lines purchases also includes Delta Stays prepaid hotel and vacation rental bookings on the Delta Stays platform and Delta Vacations® packages but not other all-inclusive packages. Delta purchases do not include Delta Gift Cards, purchases made at deltashop.com, or the Delta Flight Museum.
- Hotels worldwide include charges payments made directly to the hotel (e.g. upon check-in or check-out). You will not earn bonus miles in this category for bookings made through third-parties including online travel agents. You may receive bonus points for incidental charges charged to the room and paid for with your card at checkout.
- Restaurants worldwide include standalone restaurants. You may not receive bonus miles for a restaurant located within another establishment, such as a hotel, casino, or event venue, or for food purchased through a third-party delivery service outside the U.S.
- U.S. purchases for advertising in select media means advertising, eligible purchases of online, television, and radio advertising must be purchased from media providers located in the U.S. Direct mail services and lead generation services do not qualify for bonus miles.
- U.S. shipping purchases includes courier, postal, and freight shippers located in the U.S.
- U.S office supply store purchases are purchases made at office supply stores located in the U.S. Office supply stores are in the business of selling a range of office supplies, including items like: paper, notebooks, office equipment, and office furniture.
- Transit purchases include purchases with train, taxicab, ride share service, ferry, toll, parking, bus, and subway merchants. Purchases of airfare, car rental and cruises are not considered eligible transit purchases.
- U.S. supermarkets are supermarkets located within the United States. Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets.
- Large purchases are single purchases of $5,000 or more made using your card.
- Other purchases includes other purchases that are eligible to receive SkyMiles. Some purchases, such as fees, interest charges, and purchases of some cash-equivalents may not receive rewards.
Delta Air Lines card statement credits
In February 2024, Delta refreshed its Delta credit card lineup, adding statement credits for Delta Stays, Resy and rideshare. Here are the details on these statement credits. Here are the details on the Delta Air Lines credit card statement credits.
| Delta SkyMiles® Blue American Express Card | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Platinum American Express Card | Delta SkyMiles® Reserve American Express Card | |
|---|---|---|---|---|
| | | | |
| Annual fee | Annual fee: $0 (See Rates and Fees) | Annual fee: $0 intro annual fee for the first year, then $150 (See Rates and Fees) | Annual fee: $350 (See Rates and Fees) | Annual fee: $650 (See Rates and Fees) |
| Delta Stays credit | – | $100 | $150 | $200 |
| Resy credit Enrollment required. | – | – | $120 ($10 per month) | $240 ($20 per month) |
| Rideshare credit Enrollment required. | – | – | $120 ($10 per month) | $120 ($10 per month) |
The small business cards all offer slightly higher amounts of credits for Delta Stays. The Resy and rideshare credits are similar to the equivalent personal cards.
| Delta SkyMiles® Gold Business American Express Card | Delta SkyMiles® Platinum Business American Express Card | Delta SkyMiles® Reserve Business American Express Card | |
|---|---|---|---|
| | | | |
| Annual fee | Annual fee: $0 intro annual fee for the first year, then $150 (See Rates and Fees) | Annual fee: $350 (See Rates and Fees) | Annual fee: $650 (See Rates and Fees) |
| Delta Stays credit | $150 | $200 | $250 |
| Resy credit (Enrollment required.) | – | $120 ($10 per month) | $240 ($20 per month) |
| Rideshare credit (Enrollment required.) | – | $120 ($10 per month) | $120 ($10 per month) |
More on the statement credits offered by the Delta credit cards
- Delta Stays credit. When you use your eligible card to pay for a prepaid hotel stay through Delta Stays, you can get statement credits that offset your charge, up to the card’s annual Delta Stays credit limit. Each eligible card offers a different amount of credit for Delta Stays and your available credit amount resets with the calendar year.
- Resy credit. You can receive a credit each month when you use your eligible card to pay for U.S. restaurant purchases at restaurants that offers reservations through Resy.com and the Resy app. Credits reset monthly. Enrollment required.
- Rideshare credits. Earn up to $10 each month in statement credits when you make eligible purchases in the U.S. with Uber, Lyft, Curb, Revel, or Alto. Enrollment required.
Delta Air Lines credit card welcome offers
Delta Air Lines credit cards all feature new cardmember welcome offers that allow you to earn SkyMiles when you’re approved for a card and meet minimum spending requirements. We have a separate article covering the welcome offers in-depth, but here are the current welcome offers on Delta credit cards:
Delta SkyMiles® Blue American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Since Delta SkyMiles® don’t expire, there’s little reason to get this card. |
Delta SkyMiles® Gold American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Many times, you can find a better targeted offer on the Delta Gold card. See our coverage of the best Delta Gold Card bonuses for details. Entry-level card offering a free checked bag benefit. Consider getting the business version of the card instead—the business card offers a larger Delta Stays statement credit. |
Delta SkyMiles® Platinum American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Paying the card’s annual fee effectively buys you a Main Cabin companion certificate every year after your first cardmember anniversary and 2,500 Medallion® Qualifying Dollars every year. |
Delta SkyMiles® Reserve American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Includes 15 visits to the Delta Sky Club® each year and the ability to earn unlimited visits by spending $75,000 on the card in a year. |
Delta SkyMiles® Gold Business American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Offers a larger Delta Stays statement credit than the personal version, plus greater rewards in some business categories. |
Delta SkyMiles® Platinum Business American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. Best card for large purchases of $5,000 or more. |
Delta SkyMiles® Reserve Business American Express Card Annual fee: annual_fees (See Rates and Fees ) | Welcome offer: bonus_miles_full Learn how to apply. The best rewards on general purchases within the Delta credit card lineup. (1.5x on other purchases after spending $150,000 on the card in a calendar year.) |
Frequently asked questions
Do I get the companion certificate in the first year I hold a Delta Platinum or Reserve card?
The companion certificate is awarded each cardmember anniversary year after your first when you pay your annual fee. You won’t receive a companion certificate in your first year of card membership.
Can I bring a guest into the Sky Club if I have access with my credit card?
With the February 2024 updates to the Reserve cards, you’ll get guest access passes when you renew your card. You can use these guest passes for one-time entrances to the Sky Club for your guests, or your can pay a per-person charge to grant them access.
Can you use the Uber credit for Uber Eats purchases?
The Delta Rideshare/Uber credit cannot be used for Uber Eats purchases per the terms and conditions.
Do you have to reserve through Resy for the Resy credit?
No. You only need to make a purchase at a restaurant that partners with Resy to receive the Resy credit.
Rates and fees for Delta Air Lines credit cards
- For rates and fees of the Delta SkyMiles® Blue American Express Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees of the Delta SkyMiles® Gold American Express Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees of the Delta SkyMiles® Platinum American Express Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees of the Delta SkyMiles® Reserve American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this link: See Rates and Fees
American Express Insurance disclosures
Amex Purchase Protection (standard) benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Premium Purchase Protection (premium) benefit disclosure: Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Cell Phone Protection benefit disclosure: Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Amex Car Rental Loss and Damage Insurance (standard) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Car Rental Loss and Damage Insurance (premium) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Amex Premium Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
Amex Baggage Insurance Plan (standard) benefit disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Trip Delay Insurance (standard) disclosure: Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Amex Trip Delay Insurance (premium) disclosure: Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Amex Trip Cancellation and Interruption Insurance disclosure: The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
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