Delta SkyMiles® Platinum American Express Card Agreement

Account & Service Control · Context

Part 1 of the Delta SkyMiles Platinum Card Member Agreement, as of 06/30/2026

This is Part 1 of 3 of the Card Member Agreement for the Delta SkyMiles Platinum American Express Card. It is marked "As of: 06/30/2026" and names American Express National Bank as the issuer. Part 1 holds the Rates and Fees Table and the explanations of how the rates and fees work.

Supporting quotations

Card Member Agreement: Part 1 of 3

As of: 06/30/2026 Issuer: American Express National Bank

Delta SkyMiles® Platinum American Express Card

Qualifications & exceptions

• The only date the source gives for this part is the "As of" date; it does not state a separate effective date or name a successor version.

Account & Service Control · Company commitment

Base earn: 1 mile per $1 of eligible purchases on the Card Account

You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits.

Supporting quotations

How you receive miles: You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Platinum American Express Card (Card Account).

Eligible purchases are purchases for goods and services minus returns and other credits.

Qualifications & exceptions

• Only "eligible purchases" earn miles; the exclusions are on a separate card.
• Returns and other credits are subtracted.

Cross-references

• has exception (model-proposed): No miles on fees, interest, cash advances, cash equivalents, prepaid cards or person-to-person transactions — The exclusions limit which purchases count as eligible purchases for earning the base mile per $1.
• qualified by (model-proposed): Miles earned in a billing period are forfeited if that period's Minimum Payment Due is not paid by its due date — Miles earned in a billing period are forfeited if that period's Minimum Payment Due is not paid by its Payment Due Date, qualifying the base earning rule.

Account & Service Control · Restriction or exception

No miles on fees, interest, cash advances, cash equivalents, prepaid cards or person-to-person transactions

Eligible purchases do not include: fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents (including gift cards), or person-to-person transactions. These items do not earn miles. The Agreement defines a cash advance to include travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions.

Supporting quotations

Eligible purchases do NOT include: fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, including gift cards, or person-to-person transactions

A cash advance is a charge to get cash or cash equivalents, including travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions.

Qualifications & exceptions

• The list of exclusions is introduced with "Eligible purchases do NOT include"; the defined meanings of "cash advance" and "person-to-person transaction" come from the Part 2 definitions.

Not stated here

• The source does not define "cash equivalents" beyond giving gift cards as an example.

Cross-references

• exception to (model-proposed): Base earn: 1 mile per $1 of eligible purchases on the Card Account — The exclusions limit which purchases count as eligible purchases for earning the base mile per $1.

Account & Service Control · Company commitment

Delta purchases earn 3 miles per $1 total, except Delta air travel inside all-inclusive tour packages

You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for purchases submitted to American Express using a Delta merchant code: air travel on a Delta flight, air travel on a Delta partner flight with a DL flight number, Delta Stays prepaid hotels and vacation rentals, Delta Vacations packages, and other Delta services. You will not receive additional miles for purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages.

Supporting quotations

You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: air travel on a Delta flight air travel on a Delta partner flight with a DL flight number

Delta Stays prepaid hotels and vacation rentals

Delta Vacations® packages other Delta services

You will NOT receive additional miles for: purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages

Qualifications & exceptions

• The purchase must be submitted using a Delta merchant code.
• The source text is extracted as a run-together list; the category items are quoted as they appear.
• The "will NOT receive additional miles" exclusion appears directly after the Delta list and names air travel on a Delta flight that is part of all-inclusive air or sea tour packages.

Not stated here

• The source does not define "other Delta services".

Account & Service Control · Company commitment

Hotels charged directly earn 3 miles per $1 total; timeshares, banquets and events are excluded

You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account charged directly with hotels worldwide, excluding timeshares, banquets, and events.

Supporting quotations

You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events).

Qualifications & exceptions

• The purchase must be charged directly with the hotel.

Account & Service Control · Company commitment

Restaurants worldwide earn 2 miles per $1 total

You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide.

Supporting quotations

You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide.

Qualifications & exceptions

• Merchant category assignment rules in the next reward paragraph apply to this and the other reward categories.

Account & Service Control · Company commitment

U.S. supermarkets earn 2 miles per $1 total; superstores and warehouse clubs are not supermarkets

You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the United States. Superstores and warehouse clubs are not considered supermarkets.

Supporting quotations

You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the United States. Superstores and warehouse clubs are not considered supermarkets.

Qualifications & exceptions

• Only supermarkets located in the United States are named; the merchant-code rules on the next card also apply.

Account & Service Control · Restriction or exception

Additional miles depend on the merchant's code; third-party sellers, card readers and wallets may not qualify

Merchants are assigned codes based on what they primarily sell, and American Express groups certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if American Express receives inaccurate information or is otherwise unable to identify your purchase as eligible for a reward category. The source gives examples where you may not receive additional miles: a merchant uses a third party to sell its products or services; a merchant uses a third party to process or submit your transaction (for example, mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or a mobile or digital wallet.

Supporting quotations

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

Qualifications & exceptions

• The source says "you may not receive" additional miles in these situations; it does not say you never will.
• The examples follow "For example", so they are not stated as a complete list.

Not stated here

• The agreement does not list which merchant codes belong to which reward category.

Account & Service Control · Procedure

Reward questions go to the number on the Card; more is online and on the Benefits Dashboard

For questions about additional miles on a purchase, call the number on the back of your Card. The agreement also says to visit americanexpress.com/rewards-info for more information about rewards, and that you can view all Card benefits and their Terms and Conditions by logging onto your account at americanexpress.com and viewing your account Benefits Dashboard.

Supporting quotations

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

You can view all Card benefits and corresponding Terms and Conditions by logging onto your account at americanexpress.com and viewing your account Benefits Dashboard.

Not stated here

• The americanexpress.com/rewards-info page and the Card benefits Terms and Conditions are referred to but not supplied with this agreement, so their contents are not described here.

Account & Service Control · Permission or license

Promotional bonus-mile offers can have their own terms that differ from the standard earning terms

From time to time American Express may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them, and those offer terms may differ from the standard terms for miles earned on charges to your Card Account, including about when you can use the miles.

Supporting quotations

From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles.

Qualifications & exceptions

• The offers are optional ("may make"); the specific terms are in each offer.

Not stated here

• The terms of any particular promotional offer are not part of this agreement text.

Account & Service Control · Company practice

Miles go to your Delta SkyMiles account after the billing period ends; you can view the balance online

American Express transfers the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. You can view your miles balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Supporting quotations

We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them.

You can view your miles balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Account & Service Control · Restriction or exception

Promotional bonus miles post 8 to 12 weeks after month end if the account is not cancelled or delinquent

Bonus miles awarded for promotional offers are posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at the time of bonus fulfillment.

Supporting quotations

Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment.

Qualifications & exceptions

• The eligibility check is made at the time of bonus fulfillment.

Not stated here

• The source does not define "delinquent".

Account & Service Control · Restriction or exception

Miles earned in a billing period are forfeited if that period's Minimum Payment Due is not paid by its due date

If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you forfeit the miles you earned for eligible purchases during that billing period. The source gives an example: if the billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment by February 10, you will not earn miles for purchases in the billing period ending February 15.

Supporting quotations

When you will forfeit miles: If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period.

For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15.

Qualifications & exceptions

• The forfeiture applies to miles earned for eligible purchases during that billing period.
• Reinstatement is possible under conditions on the next card.

Not stated here

• The example first describes a billing period that closes January 15, then says miles are not earned for the billing period ending February 15. The source does not explain this difference, so the exact period it means is unclear from the text.

Cross-references

• qualifies (model-proposed): Base earn: 1 mile per $1 of eligible purchases on the Card Account — Miles earned in a billing period are forfeited if that period's Minimum Payment Due is not paid by its Payment Due Date, qualifying the base earning rule.
• has exception (model-proposed): Forfeited miles can be reinstated within 12 billing periods for a $35 fee if the account is not past due — Forfeited miles may be reinstated within 12 billing periods if the Card Account is not past due and a $35 fee is paid.

Account & Service Control · User right or choice

Forfeited miles can be reinstated within 12 billing periods for a $35 fee if the account is not past due

You may reinstate those forfeited miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

Supporting quotations

You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

Qualifications & exceptions

• Two conditions: the Card Account is not past due, and the $35 fee is paid.

Cross-references

• exception to (model-proposed): Miles earned in a billing period are forfeited if that period's Minimum Payment Due is not paid by its due date — Forfeited miles may be reinstated within 12 billing periods if the Card Account is not past due and a $35 fee is paid.

Account & Service Control · Restriction or exception

Miles are earned only on eligible purchases intended for personal, family or household use

You will receive miles only for eligible purchases intended for personal, family or household use.

Supporting quotations

You will receive miles only for eligible purchases intended for personal, family or household use.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique, active Delta SkyMiles account or the Card Account may be cancelled

Each Basic Card Member must have a unique Delta SkyMiles loyalty account. American Express may cancel your Card Account if you do not maintain an active Delta SkyMiles loyalty account.

Supporting quotations

Each Basic Card Member must have a unique Delta SkyMiles loyalty account. American Express may cancel your Card Account if you do not maintain an active Delta SkyMiles loyalty account.

Qualifications & exceptions

• Cancellation is stated as something American Express "may" do.

Account & Service Control · Permission or license

American Express may change the reward program terms and may take away miles for violation or abuse

American Express may change the terms of this reward program at its discretion. If you violate or abuse the reward program, you may forfeit some or all of your miles.

Supporting quotations

We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles.

Qualifications & exceptions

• The source does not describe what counts as violating or abusing the program, or how a change is announced.

Not stated here

• The source does not define "violate or abuse" this reward program or give notice terms for program changes.

Account & Service Control · Context

Miles are governed by the Delta SkyMiles Membership Guide and Program Rules, which Delta may change

Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. The agreement tells you to refer to that document for how to redeem your miles, for Delta's right to change its program terms, and for other conditions that may apply to Delta's program.

Supporting quotations

Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: how to redeem your miles,

Delta's right to change its program terms, and other conditions that may apply to Delta’s program.

Not stated here

• The Delta SkyMiles Membership Guide and Program Rules are incorporated by reference but are not supplied with this agreement, so how miles are redeemed and Delta's program terms are not described here.

Account & Service Control · User right or choice

You can cancel the Card without paying fees if you have not yet used the Account or made a payment

If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

Supporting quotations

If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

Qualifications & exceptions

• The condition is quoted as written: "If you have not yet used the Account or made a payment on the Account after receiving a billing statement".

Not stated here

• The source does not say whether the condition is met by either circumstance alone or requires both, and does not give a deadline or cancellation method in this sentence.

Account & Service Control · Restriction or exception

Using the Card: plans, cash advances and balance transfers are at American Express's discretion; personal use only

You may use the Card to make charges. At its discretion, American Express may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by American Express or its affiliates. You agree to use the Card for personal, family, or household purposes only.

Supporting quotations

Using the Card: You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates. You agree to use the Card for personal, family, or household purposes only.

Qualifications & exceptions

• Plans, cash advances and balance transfers are each something American Express "may permit", not a guaranteed feature.

Account & Service Control · Permission or license

American Express may decline a charge for various reasons, even within your limit, without liability

American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if your Account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if any merchant refuses to accept the Card.

Supporting quotations

Declined transactions: We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.

Qualifications & exceptions

• The reasons listed are examples ("including"), not a complete list.

Account & Service Control · Restriction or exception

Whether you can create a plan depends on creditworthiness, Credit Limit and account status

Your ability to create plans is based on a variety of factors such as your creditworthiness and your Credit Limit. You will not be able to create plans if your Account is cancelled, or 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. American Express will tell you the number of active plans you may have and may change this number at any time. The plan durations offered to you, and whether you can include multiple qualifying purchases or a qualifying amount in a single plan, are at its discretion and based on factors such as your creditworthiness, the purchase amount(s) and your Account history. You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Supporting quotations

Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Credit Limit. You will not be able to create plans if your Account is cancelled. You will also not be able to create plans if one or more of your American Express accounts is enrolled in a payment program, or has a payment that is returned unpaid, or is past due. We will tell you the number of active plans you may have and we may change this number at any time. The plan durations offered to you, and your ability to include multiple qualifying purchases or a qualifying amount 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. You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

At our discretion, we may permit you to create plans, make cash advances or balance transfers.

Qualifications & exceptions

• Plans are offered at American Express's discretion ("At our discretion, we may permit you to create plans").
• The restrictions refer to any of your American Express accounts, not only this Card Account.

Not stated here

• The source does not say how many active plans are allowed or list all the factors used.

Account & Service Control · Permission or license

Additional Cards may be issued at your request; their use may be reported to credit reporting agencies

American Express may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of the Agreement, and American Express may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, the source says it is shown on page 2 of Part 1.

Supporting quotations

Additional Card Members: We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

Qualifications & exceptions

• Issuing an additional Card is something American Express "may" do at your request.
• Part 1's fee explanations give the Annual Fee for Additional Cards as None.

Account & Service Control · Company practice

You are responsible for all use by Additional Card Members and anyone they allow; they may receive Account information

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account, and you must pay for all charges made. You authorize American Express to give Additional Card Members information about your Account and to discuss it with them. You can contact American Express if you want to cancel an Additional Card Member's ability to use your Account. If an Annual Fee applies for an Additional Card, the refund policy in the Closing or suspending your Account sub-section of Part 3 applies, and if a single Annual Fee applies for a group of Additional Cards, that policy applies when you cancel the Additional Card on which the fee was assessed.

Supporting quotations

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them. Contact us if you want to cancel an Additional Card Member's ability to use your Account. If an Annual Fee applies for an Additional Card, please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. If a single Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.

Qualifications & exceptions

• The Annual Fee refund reference points to Part 3.

Cross-references

• refers to (model-proposed): You may close the Account; the annual fee is refunded only if you close within 30 days of the statement showing it — The Additional Card Member card points to the refund policy in the Closing or suspending your Account sub-section, which is the Part 3 annual-fee refund text.

Account & Service Control · Permission or license

American Express may add, change or remove any benefit, feature or service at its discretion

American Express has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion. This sits alongside the separate statement that it may change the reward program terms at its discretion.

Supporting quotations

Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Qualifications & exceptions

• The right covers benefits, features and services "included with or related to your Account".

Not stated here

• The source does not give a notice period or compensation if a benefit changes.

Account & Service Control · Company practice

Notices are sent by mail, courier or electronically and count as given when mailed or delivered

American Express sends notices by U.S. mail, courier, or electronically using the information in its records. It considers a notice given when it mails it or delivers it electronically.

Supporting quotations

Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.

Qualifications & exceptions

• A notice is treated as given when sent, not when received.

Account & Service Control · Permission or license

You authorize calls, texts, emails and push notifications, including by automated dialer, for servicing and collections

If American Express needs to contact you to service your account or to collect amounts you owe, you authorize it (and its affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact it, or at which it believes it can reach you. It may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or any other method permitted by law, may use an automated dialer or prerecorded messages, and may contact you on a mobile, wireless or similar device even if you are charged for it.

Supporting quotations

Servicing and Collections: If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us, or at which we believe we can reach you. We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or using any other method of communication permitted by law. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.

Qualifications & exceptions

• The permission is for servicing your account or collecting amounts you owe.
• Methods are limited by "permitted by law".

Not stated here

• The source does not describe a way to limit or opt out of these contacts in this paragraph.

Account & Service Control · Restriction or exception

You must tell American Express immediately of address, email or phone changes, separately for each Account

You must notify American Express immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify it separately for each Account. American Express may update your billing address if it receives information that it has changed or is incorrect.

Supporting quotations

Changing your contact information: You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Qualifications & exceptions

• The notice must be given separately for each Account.

Not stated here

• The source does not say how American Express decides that the information it receives is reliable before updating a billing address.

Account & Service Control · Procedure

To dispute credit-bureau information, write to the American Express Credit Bureau Unit with the specific information

If you believe information American Express has given to a credit reporting agency is incorrect, you can write to American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537, and tell it the specific information you believe is incorrect.

Supporting quotations

If you believe information we have given to a credit reporting agency is incorrect, write to us at: American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the specific information you believe is incorrect.

Account & Service Control · Restriction or exception

American Express may treat the Account as in default for five listed reasons, including a belief you cannot pay

American Express may consider your Account to be in default if you violate a provision of the Agreement, you give it false information, you file for bankruptcy, you default under another agreement you have with it or an affiliate, or it believes you are unable or unwilling to pay your debts when due.

Supporting quotations

Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

Qualifications & exceptions

• The wording is "may consider": default is American Express's option.
• The last ground turns on what American Express "believes".

Not stated here

• The first list item refers to the Agreement itself, not to a separate linked document, and no outside document text is supplied or needed for it; the source does not say which provisions are most likely to trigger default.

Account & Service Control · Restriction or exception

On default, incapacity or death American Express may suspend charging and features and demand immediate payment

If American Express considers your Account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on your Account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately.

Supporting quotations

If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Qualifications & exceptions

• These are options ("may"), available to the extent permitted by federal and applicable state law.
• The same options are listed for incapacity or death as for default.

Account & Service Control · Permission or license

American Express may cancel or suspend the Account at any time for any reason; you still owe all charges

American Express may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If it does any of these, you must still pay for all charges under the terms of the Agreement. If it later agrees to reinstate your Account, it may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Supporting quotations

Closing or suspending your Account: We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement. If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Qualifications & exceptions

• "At any time and for any reason" is the source's wording.

Not stated here

• The amount of the fee "to reinstate the Account" is not stated in this paragraph; Part 1 lists a $25 Account Re-opening fee for a cancelled Account that you ask to have re-opened.