DELTA RESERVE FOR BUSINESS CREDIT CARD TERMS AND CONDITIONS

DELTA RESERVE FOR BUSINESS CREDIT CARD TERMS AND CONDITIONS

32. Welcome offer: Welcome bonus offer not available to applicants who have or have had this product within the last 12 months. Earn 10,000 bonus miles (10,000 of which count as Medallion® Qualification Miles) after your first purchase on the Delta Reserve for Business Card. Please allow 2-4 weeks after your first purchase for the bonus miles to appear in your Delta SkyMiles account. First purchase offer expires one year from the date your account is approved. Offer not available to existing Delta SkyMiles Business Credit Card Members upgrading to another Delta SkyMiles Business Credit Card. American Express reserves the right to modify or revoke offer at any time. You can earn 10,000 bonus miles (10,000 of which count as Medallion® Qualification Miles) after your first purchase on your Card within your first 12 months of Card Membership starting from the date your account is approved. In rare instances, your period to make your first purchase may be shorter than 12 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 12 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card.

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

34. ReceiptMatchSM

ReceiptMatchSM is only available with Business Cards from American Express OPEN. For details and enrollment, go to www.open.com/receiptmatchopens in a new window

ReceiptMatchSM with QuickBooks®
ReceiptMatchSM and Sync with QuickBooks are two separate business tools available with Business Cards from American Express OPEN. ReceiptMatchSM and Sync with QuickBooks were created to work together. You must enroll in ReceiptMatchSM and in Sync with QuickBooks separately from your American Express online account to use ReceiptMatchSM with QuickBooks. Sync with QuickBooks works with QuickBooks Online.

The ReceiptMatch Mobile AppSM is only available with Business Cards from American Express OPEN. The ReceiptMatch Mobile AppSM is only available on iTunes and Google Play. Apple, the Apple logo, iPhone and Mac are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Intuit, the Intuit logo, QB, and QuickBooks are registered trademarks of Intuit Inc. QuickBooks screen shots (c) Intuit Inc.

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

36. Built in Miles Boost: The close of the calendar year is December 31, without regard to the time of the year that the account is opened. This means that for the first year of Card Membership, the Card Member's Eligible Spending bonus period may be less than twelve months. If in any calendar year Eligible Spending on the Platinum Delta SkyMiles Business Credit Card is $25,000 or more, the Basic Card Member will be awarded 10,000 bonus miles and 10,000 Medallion Qualification Miles ("MQMs" as defined in the Delta SkyMiles Membership Guide and Program Rules), and if in that same calendar year Eligible Spending on the Platinum Delta SkyMiles Business Credit Card is $50,000 or more, the Basic Card Member will be awarded an additional 10,000 bonus miles and 10,000 MQMs. Additional Card Member(s) are not eligible to receive miles through Miles Boost; however all Eligible Spending by the Additional Card Member(s) will count towards the Basic Card Member's spend level to reach the Miles Boost threshold. Card Members may be permitted to have more than one Options, classic, Gold, or Platinum or Delta Reserve SkyMiles Business Credit Card from American Express account; however, Card Members are only eligible to receive one annual Eligible Spending bonus for each type (i.e., Options, classic, Gold, Platinum or Reserve) of Delta SkyMiles Business Credit Card account from American Express. Medallion Qualification Miles earned in 2014 above member's earned Medallion threshold level will be rolled over to 2015 and will count toward 2016 Medallion status qualification. In addition, all Medallion Qualification Miles earned between January 1 and December 31, 2014, will count towards 2015 Medallion status.

37. Upgrade Priority: Increased Upgrade Priority within Medallion tier and fare class is applicable only to primary Card Member and within the Complimentary Medallion Upgrade Program. Airport Paid Standby Program and Mileage Award Upgrades are not eligible.

38. Companion Certificate: Taxes/Fees/Restrictions: Companion Certificate valid for one round-trip First Class or Main Cabin Companion ticket with the payment of applicable taxes and fees detailed below and the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii, Alaska, Puerto Rico or the United States Virgin Islands (USVI) must originate from there to the 48 contiguous United States and have an address on their SkyMiles account in Hawaii, Alaska, Puerto Rico or the USVI. Each year, the Companion Certificate will be made available for redemption on delta.com in your renewal month. Applicable government imposed taxes and fees vary and depend upon the number of flight segments included in the itinerary and are no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments). Basic Card Members (not Additional Card Members) with the Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles Credit Card, Delta Reserve Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card, and Delta Reserve for Business Credit Card are eligible to receive the first checked bag fee waiver on Delta and Delta Connection carrier tickets. $35 fee for second checked bag. These allowances are subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Tickets are only available in A and I classes of service for First Class travel, and only available in L, U, T classes of service for Main Cabin travel and may not be available on all flights or markets. Companion tickets are not transferable once issued. Companion certificate cannot be combined with another offer or discount including, but not limited to, web fares, sale fares and eCoupons. Primary ticket and Companion ticket must be purchased with your Delta Reserve Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Travel for Companion certificate must be booked and completed by the date on the front of certificate. Validity is not based on the calendar year. Redemption is available only on delta.com. Certificate terms and conditions may vary each year of Card Membership. Additional restrictions apply. See Companion Certificate for details.

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

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

41. Priority Boarding: Card Members are entitled to receive Zone 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Reserve Delta SkyMiles Credit Cards. Reservation must include the Basic Card Member's SkyMiles number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on Delta and Delta Connection carrier operated flights. Delta does not offer Priority Boarding on Delta Shuttle® flights. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See delta.com/mycardcan for details.

42. First Checked Bag Free: Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Reserve Delta SkyMiles Business Credit Cards. Reservation must include the Basic Card Member's SkyMiles number. Fee waiver also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine waivers per reservation. Waiver is only for normal bag fee, if any, for the first checked bag that is not overweight and not oversize under Delta's applicable rules as set forth in Delta's contract of carriage. Additional checked bags will be subject to the applicable baggage fees as outlined by Delta's rules and the purchased fare as set forth in Delta's contract of carriage. The first checked bag fee waiver will only be applied on flight segments which originate on a Delta or Delta Connection® carrier when you check-in with Delta for both a Delta marketed and Delta operated flight. Codeshare flights are not eligible. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. Offer terms and conditions subject to change. Additional restrictions may apply.

43. No Foreign Transaction Fees: American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

44. Pay with Miles: Program is limited to Basic (not Additional) Gold and Platinum Delta SkyMiles and Delta Reserve Credit Card Members, as well as to Gold and Platinum Delta SkyMiles Business Credit Card Members and Delta Reserve for Business Credit Card Members. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product are eligible to use Pay with Miles upon receipt of their new Card. Eligible only on Delta and Delta Connection® carrier flights booked at delta.com under the DL code. Not available on other codeshare flights. Redemption requirements differ based on fare. Flight will be marked as Pay with Miles eligible. Eligible on base fares equal to or greater than $100 or worth at least 10,000 miles. The amount of miles that can be used on a Pay with Miles redemption are based on the SkyMiles member's account balance. Miles redemptions must be in 5,000 mile increments, with a minimum of 10,000 miles for redemption, and the number of miles redeemed will be rounded up to the nearest 5,000 or 10,000 mile increment, as applicable. If you choose to cover the entire cost of the ticket by using Pay with Miles, you will need to redeem a minimum of 25,000 miles, regardless of ticket price. You must use an American Express Credit Card to pay for the remaining ticket price when using Pay with Miles. Pay with Miles tickets booked in First or Business Class, on or after January 01, 2015, are eligible for mileage accrual, Medallion Qualification Segments, and Medallion Qualification Miles. In addition, Pay with Miles tickets booked in the Main Cabin will earn mileage, and all Pay with Miles tickets will earn MQDs, for the portion of the base fare and carrier-imposed surcharges remaining that is paid in currency after miles are applied to the ticket total. Pay with Miles tickets are not eligible for Best Fare Guarantee and are not combinable with any other forms of mileage redemption. Medallion Complimentary Upgrades on Pay with Miles tickets is subject to availability and may not be eligible on all flights. Except for tickets refunded under Delta's Risk Free Cancellation policy, miles redeemed with Pay with Miles cannot be re-deposited in the member's SkyMiles Account - even for fully refundable fares. Redemption requirements may differ based on fare. For terms, conditions, and restrictions, visit delta.com/paywithmiles.

45. In-Flight Savings:
Card Members will receive a 20% savings in the form of a statement credit on eligible pre-purchased meals and in-flight purchases of food, alcoholic beverages, movies, television shows and video games accessed via Delta's seatback in-flight entertainment system, and audio headsets on Delta-operated flights. Savings do not apply to any other in-flight purchases, such as in-flight wireless internet access and associated services, SkyMall™, Delta DutyFree, and charitable contributions. To receive the savings, Card Members must use their Delta SkyMiles Credit Card from American Express to complete the in-flight purchase. Savings will appear as a statement credit 6-8 weeks after the transaction is posted to the Card Member's Card account. Offer is subject to change without notice. Additional terms, conditions, and restrictions may apply. See delta.com/mycardcan for details.

46. Concierge Services: There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning. We reserve the right to note profile and preference data for servicing purposes.

47. MQM Gifting: The close of the calendar year is December 31, without regard to the time of the year that the account is opened. This means that for the first year of Card Membership, the Card Member's Eligible Spending bonus period may be less than twelve months. If in any calendar year Eligible Spending on the Delta Reserve Business Card is $30,000 or more, the Basic Card Member will be awarded 15,000 bonus miles and 15,000 Medallion Qualification Miles ("MQMs" as defined in the Delta SkyMiles Membership Guide and Program Rules). If in that same calendar year Eligible Spending on the Delta Reserve Business Card is $60,000 or more, the Basic Card Member will be awarded an additional 15,000 bonus miles and 15,000 MQMs. The MQMs are not redeemable and only count towards Medallion status. MQMs can be kept by the Basic Card Member or gifted to someone else. MQM gift recipients must have a valid SkyMiles account. If within 90 days, a MQM recipient is not designated, the MQMs will be deposited in the Basic Card Member's SkyMiles account. Additional Card Member(s) are not eligible to receive miles through Miles Boost; however all Eligible Spending by the Additional Card Member(s) will count towards the Basic Card Member's spend level to reach the Miles Boost threshold. Card Members may be permitted to have more than one Options, classic, Gold, Platinum, or Delta Reserve SkyMiles Business Credit Card from American Express account; however, Card Members are only eligible to receive one annual bonus for each type (i.e., Options, classic, Gold, Platinum, or Reserve) of Delta SkyMiles Business Credit Card account from American Express.

48. Medallion® Qualifications Dollars (MQD) Waiver: Beginning January 1, 2014, if the Medallion Qualification Dollars (MQDs) threshold is not met for a Qualification Year, you can still qualify for Medallion status if you have earned the required Medallion Qualification Miles (MQMs) or Medallion Qualification Segments (MQSs) and make at least $25,000 in Eligible Purchases within that Qualification Year on your Eligible Card. A Qualification Year is from January 1 to December 31 of a given year. The close of the Qualification Year is December 31, without regard to the time of the year that the credit card account is opened. This means that for the first year of Card Membership, the Card Member's Eligible Purchase period may be less than twelve months. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees, interest charges, balance transfers, cash advances, purchases of travelers' checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Eligible Purchases made by Additional Card Members on the Basic Card Member's Eligible Card will count toward the Eligible Purchase threshold. For purposes of calculating the Eligible Purchase threshold, Eligible Purchases will be combined across multiple Eligible Cards of the Basic Card Member if those Card accounts are linked to the same SkyMiles number. Eligible Cards are the following: Delta SkyMiles Options Credit Card, Delta SkyMiles Credit Card, Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles, Delta Reserve Credit Card, Delta SkyMiles Business Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card and Delta Reserve for Business Credit Card from American Express. This benefit extends to Basic Card Members only (Additional Card Members are not eligible). Offer terms and conditions subject to change.

49. Priority Checkpoint: Card Members are entitled to enter the expedited Sky Priority security line with their printed boarding pass at participating airports. Benefit is limited to the Delta Reserve SkyMiles Credit Card and the Delta Reserve for Business SkyMiles Credit Card. Reservation must include the Basic Card Member's SkyMiles number. Priority Checkpoint is also available for passengers traveling on the same reservation as the Basic Card Member. Priority Checkpoint will only be available on Delta and Delta Connection carrier operated flights. Terms and limitations apply. For most up to date participating airports please visit www.delta.com/prioritycheckpointlines. Subject to change without notice.

All SkyMiles program rules apply to SkyMiles program membership, miles, offers, mile accrual, mile redemption, and travel benefits. To review the rules, please visit delta.com/memberguide. Partner airline benefits are subject to change and subject to the terms and conditions of each partner. Partner offers are subject to the terms and conditions of each individual offer. Offers are void where prohibited by law. Offers are subject to change without notice. Other restrictions apply.