| Category | Rate | Type | Cap |
|---|---|---|---|
|
Delta Purchases
Earned on purchases made directly with Delta Air Lines.
|
3x | Miles | No cap |
|
Hotels
Earned on purchases made directly with hotels; third-party booking sites such as Expedia are not eligible.
|
3x | Miles | No cap |
|
Dining
Earned at restaurants worldwide, including takeout and delivery in the U.S.
|
2x | Miles | No cap |
|
U.S. Supermarkets
Earned at U.S. supermarkets only; purchases outside the U.S. or at superstores do not qualify.
|
2x | Miles | No cap |
|
All Other Purchases
Base earn rate on all other eligible purchases not covered by a bonus category.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
20% Back on In-Flight Purchases
Receive 20% back as a statement credit after using your Card on eligible Delta in-flight purchases, including food, beverages, and audio headsets.
|
Credits | 20% back as statement credit |
|
Delta Stays Credit
Receive an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com/stays.
|
Credits |
Up to $150/year
Up to $150
|
|
Global Entry Application Fee Credit
Receive a $120 statement credit once every 4 years after applying for Global Entry and charging the fee to your Card. Approval for Global Entry also includes TSA PreCheck at no additional charge.
|
Credits |
$120 every 4 years
Up to $120
|
|
Resy Statement Credit
Earn up to $10 in statement credits each month after paying with your enrolled Card at U.S. Resy restaurants or for other eligible Resy purchases. Enrollment required.
|
Credits |
$10/month (up to $120/year)
Up to $120
|
|
Rideshare Statement Credit
Earn up to $10 in statement credits each month after using your enrolled Card on U.S. rideshare purchases with select providers. Delivery services and non-rideshare services are excluded. Enrollment required.
|
Credits |
$10/month (up to $120/year)
Up to $120
|
|
TSA PreCheck Application Fee Credit
Receive a statement credit of up to $85 once every 4.5 years when applying for a five-year TSA PreCheck membership through a TSA official enrollment provider and charging the fee to your Card. Only one credit (Global Entry or TSA PreCheck) may be received per period.
|
Credits |
Up to $85 every 4.5 years
Up to $85
|
|
Uber One Monthly Membership Credit
Earn a statement credit for up to $9.99 each month for up to 12 consecutive months after using your Card to pay for an Uber One monthly membership (subject to auto-renewal) by June 25, 2026.
|
Credits |
Up to $9.99/month
Up to $120
|
|
No Foreign Transaction Fees
Use your Card anywhere in the world without incurring foreign transaction fees on international purchases.
|
Financial | 0% foreign transaction fee |
|
Baggage Insurance Plan
Provides coverage for lost, damaged, or stolen baggage when traveling on a common carrier (plane, train, ship, or bus) and the entire fare is charged to the eligible Card. Coverage limits and exclusions apply. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $1,250 for carry-on; up to $500 for checked bags
Up to $1,250
|
|
Car Rental Loss and Damage Insurance (Secondary)
Provides secondary coverage for damage to or theft of a rental vehicle when the card is used to reserve and pay for the entire rental and the CDW is declined at the counter. Coverage is not available in Australia, Italy, or New Zealand. No liability coverage included. Underwritten by AMEX Assurance Company.
|
Insurance | Secondary CDW coverage |
|
Cell Phone Protection
Receive reimbursement for repair or replacement of a damaged or stolen cell phone (listed on your wireless bill) when the prior month's wireless bill is paid with your eligible Card. Coverage is up to $800 per claim, with a maximum of 2 approved claims per 12-month period and a $50 deductible per claim. Underwritten by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $800/claim (2 claims per 12 months)
Up to $800
|
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on covered purchases, applicable to warranties of 5 years or less. Maximum coverage is $10,000 per covered purchase and up to $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to 1 additional year; up to $10,000 per item
Up to $10,000
|
|
Premium Car Rental Protection (Optional Enrollment)
An optional add-on (fee applies per rental period) that provides primary coverage for theft of or damage to a rental vehicle, plus excess medical coverage for injuries sustained in an accident, when the enrolled Card is used to pay for the rental. Not all vehicle types are covered; no liability coverage included.
|
Insurance | Primary coverage (enrollment fee applies) |
|
Purchase Protection
Covers eligible new purchases made with the Card against accidental damage or theft for up to 90 days from the date of purchase. Coverage limits apply; exclusions and restrictions apply.
|
Insurance | Up to 90 days from purchase date |
|
Trip Delay Insurance
Provides reimbursement for reasonable expenses (meals, lodging, etc.) when a covered round-trip is delayed 6 or more hours or requires an overnight stay due to a covered reason, when the fare is charged to the eligible Card. Underwritten by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $500 per covered trip
Up to $500
|
|
Pay With Miles
Redeem SkyMiles directly toward eligible Delta flight purchases charged to your Card, at a rate of 1 cent per mile, allowing cardholders to offset flight costs with accumulated miles.
|
Other | 1 cent per mile redemption value |
|
1X Miles on All Other Purchases
Earn 1 SkyMile per dollar on all other eligible purchases not covered by a higher bonus category.
|
Rewards | 1X Miles |
|
2X Miles at Restaurants Worldwide
Earn 2 SkyMiles per dollar at restaurants worldwide, including takeout and delivery in the United States.
|
Rewards | 2X Miles |
|
2X Miles at U.S. Supermarkets
Earn 2 SkyMiles per dollar on purchases at U.S. supermarkets.
|
Rewards | 2X Miles |
|
3X Miles on Delta Purchases
Earn 3 SkyMiles per dollar on purchases made directly with Delta Air Lines.
|
Rewards | 3X Miles |
|
3X Miles on Hotels
Earn 3 SkyMiles per dollar on purchases made directly with hotels.
|
Rewards | 3X Miles |
|
Dispute Resolution
American Express will work with you and the merchant to investigate and resolve billing disputes, including unrecognized charges or billing for canceled services.
|
Security | Complimentary |
|
Fraud Protection
Intelligent fraud monitoring systems continuously watch for unusual or suspicious account activity and provide immediate notification if anything unusual is detected. Zero liability for unauthorized charges.
|
Security | Complimentary |
|
Amex Offers
Access rotating, personalized statement credit and bonus miles offers from a wide range of brands. Offers must be added to the Card via the Amex App or online account before making eligible purchases.
|
Shopping | Variable savings |
|
Annual Companion Certificate
Receive a Companion Certificate each year after Card renewal valid for one companion on a Delta Main Cabin domestic, Caribbean, or Central American round-trip flight. Government-imposed taxes and fees of $22–$250 apply; Delta Basic fares are excluded.
|
Travel | Complimentary (taxes and fees apply) |
|
Complimentary Upgrade List Access
Card Members with an eligible Delta ticket are added to the complimentary upgrade list, after SkyMiles Medallion Members and Reserve Card Members. Eligible tickets must be purchased on or after February 1, 2024.
|
Travel | Complimentary |
|
First Checked Bag Free
The primary cardholder and up to eight companions on the same Delta reservation each receive their first checked bag free when the ticket is purchased with the Card, saving up to $70 per person on a round-trip Delta flight.
|
Travel | Up to $70/person per round-trip |
|
Global Assist Hotline
Whenever you travel more than 100 miles from home, the Global Assist Hotline provides 24/7 emergency assistance including medical and legal referrals, emergency cash wire coordination, and missing luggage assistance. Cardholders are responsible for third-party service costs.
|
Travel | Complimentary access |
|
Hertz Five Star Status
Receive complimentary Hertz Five Star elite status with your Card. Enrollment in Hertz Gold Plus Rewards is required, and cardholders must link their Hertz and SkyMiles accounts and enroll at delta.com/hertz.
|
Travel | Complimentary elite status |
|
MQD Boost
Earn $1 MQD for every $20 spent on purchases with the Card each calendar year, boosting progress toward Delta Medallion elite status.
|
Travel | $1 MQD per $20 in purchases |
|
MQD Headstart
Receive $2,500 Medallion Qualification Dollars (MQDs) at the start of each Medallion Qualification Year, giving cardholders a head start toward Delta elite status.
|
Travel | $2,500 MQDs per year |
|
TakeOff 15 — 15% Off Award Travel
Card Members save 15% when using SkyMiles to book award travel on Delta flights through delta.com or the Fly Delta app. Discount does not apply to partner-operated flights or to taxes and fees.
|
Travel | 15% miles discount |
|
Zone 5 Priority Boarding
Board early in Zone 5 on Delta flights to secure overhead bin space and settle in before takeoff.
|
Travel | Complimentary |
