Delta SkyMiles® Gold American Express Card Agreement

Account & Service Control · Procedure

Questions about additional miles go to the number on the Card, and the miles balance is viewable in the online account

For questions about additional miles on a purchase, call the number on the back of your Card. The supplement also points to americanexpress.com/rewards-info for more information about rewards. You can view your miles balance by logging onto your online account at americanexpress.com and viewing your account summary page.

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

Not stated here

• The americanexpress.com/rewards-info page is not supplied with this document.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique active Delta SkyMiles account or American Express may cancel the Card Account

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.

Not stated here

• The text does not say how long a SkyMiles account may be inactive before cancellation, or what notice is given.

Account & Service Control · Procedure

Card benefits and their terms can be viewed in the online account Benefits Dashboard

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

Supporting quotations

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 benefits and their terms are not part of this document.

Account & Service Control · User right or choice

Before using the Account or paying a statement, you can cancel the Card without owing any fees

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 right applies only if you have neither used the Account nor made a payment after receiving a billing statement.

Not stated here

• The text does not say how to cancel or the deadline, other than the condition of not yet having used the Account or paid.

Account & Service Control · Restriction or exception

The Card is for personal, family or household use; plans, cash advances and balance transfers are discretionary

You may use the Card to make charges. At American Express's discretion, it 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

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 permitted only at American Express's discretion.
• Balance transfers from accounts issued by American Express or its affiliates are not allowed.
• Use is limited to personal, family or household purposes.

Account & Service Control · Permission or license

American Express may decline charges for various reasons and is not responsible for resulting losses

American Express may decline to authorize a charge for various reasons, including suspected fraud or its assessment of your creditworthiness, even if the charge would not take you over the Credit Limit and even if the 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

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

• Reasons are examples ('including'), not a closed list.
• The disclaimer covers non-authorization and merchant refusal.

Account & Service Control · Restriction or exception

Your ability to create Plan It plans depends on your credit, limits and account status, at American Express's discretion

Your ability to create plans is based on 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 that 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, are at its discretion and based on factors such as 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.

Qualifications & exceptions

• The ineligibility triggers apply to one or more of your American Express accounts, not only this Account.
• The number of active plans and the durations offered can change and are at American Express's discretion.
• Plan balances, including plan fees, must stay within the Credit Limit.

Not stated here

• The text does not say how many active plans are allowed or what a 'payment program' includes.

Cross-references

• qualifies (model-proposed): Plan It lets you pay selected purchases over time for a monthly fixed fee that replaces the purchase APR on that amount — Plan It is available only subject to the eligibility factors, account conditions, plan limits and Credit Limit rule in the following paragraph.

Account & Service Control · Permission or license

American Express may issue additional Cards at your request, and 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, it is shown on page 2 of Part 1 of the Agreement; for this Card, Part 1 lists the Annual Fee for Additional Cards as None.

Supporting quotations

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

• Additional Cards are issued at your request, and American Express 'may' issue them.
• Credit reporting of Additional Card Members' use is stated as something American Express may do.

Account & Service Control · Restriction or exception

You are responsible for all use by Additional Card Members and may cancel their ability to use the Account

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use it, and you must pay for all charges made. You also authorize American Express to give Additional Card Members information about your Account and to discuss it with them. 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; 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

• Responsibility extends to people an Additional Card Member allows to use the Account.
• Account information is shared with Additional Card Members by your authorization.

Not stated here

• The refund terms themselves are in Part 3 and are carded separately.

Cross-references

• refers to (model-proposed): The annual fee is $150, with no annual fee for additional cards — Part 2 refers to refund of an Annual Fee for Additional Cards if one applies; Part 1 lists the Annual Fee for Additional Cards as None.

Account & Service Control · Company practice

Notices go by U.S. 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

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 counts as given when sent, not when received.

Account & Service Control · Permission or license

You authorize American Express and its collectors to contact you by phone, text, email and push, even by dialer

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 permitted by law, such as calling, texting, emailing, sending mobile application push notifications or any other permitted method, 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

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 authorization covers servicing and collection contacts and extends to affiliates, agents and contractors.
• Methods are limited to those permitted by law.
• Contact may be on a device where you are charged for it.

Not stated here

• The text does not describe a way to limit or opt out of these contacts.

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 the address has changed or is incorrect.

Supporting quotations

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

• Notice is required separately for each Account.
• American Express may update the billing address from information it receives.

Account & Service Control · Restriction or exception

The Account may be considered in default for violations, false information, bankruptcy or inability to pay

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

Supporting quotations

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

• Default is something American Express 'may consider', not automatic.
• The last trigger depends on American Express's belief about your ability or willingness to pay.

Not stated here

• Other agreements with American Express or an affiliate are not supplied here, so what counts as a default under them cannot be stated.

Account & Service Control · Permission or license

After default, incapacity or death, American Express may suspend charges, cancel features and demand the balance

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

• Remedies apply to the extent permitted by federal and applicable state law.
• They are available on default, incapacity or death.

Account & Service Control · Permission or license

American Express may cancel or suspend the Account or its features at any time for any reason; you still owe 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 the Account and charge you any applicable annual fees and a fee to reinstate the Account.

Supporting quotations

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

• No reason or notice requirement is stated for cancellation or suspension.
• Reinstatement is at American Express's agreement, and may bring annual fees and a reinstatement fee.

Not stated here

• The amount of the reinstatement fee is not stated in this provision; Part 1 lists an Account re-opening fee, carded separately.

Account & Service Control · Permission or license

American Express may add, modify or remove any Account 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.

Supporting quotations

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

Not stated here

• No notice or timing requirement for such changes is stated in this provision.