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Card Economics
- Annual Fee
- $650
- Ongoing Annual Value
- $700
- First-Year Value Estimate
- $1,385
- Net Value
- +$50
Card type: BusinessForeign transaction fee: NoneCurrency: Delta SkyMilesAU fee: $175
Sign-up Bonus
Limited Time Offer: 200K bonus miles after spending $20K in purchases on your new card in your first 6 months of card membership. Terms Apply (Rates & Fees)(Offer Expires 11/4/2026)
Am I eligible?Earning Structure
3XDelta purchases3.3%
1.5XAll other purchases (after $150K annual spend)1.7%
1.5XOffice supply stores (combined $100K/yr cap with Transit and US shipping)1.7%
1.5XTransit (combined $100K/yr cap with Office supply stores and US shipping)1.7%
1.5XUS shipping (combined $100K/yr cap with Office supply stores and Transit)1.7%
1XAll other purchases1.1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (5)
- Rideshare: $10 (Monthly)
Statement credits for US rideshare purchases with select providers. Enrollment required
- Resy: $20 (Monthly)
Statement credits for eligible purchases at US Resy restaurants. Enrollment required
- Delta Stays: $250 (Annual Calendar Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per calendar year
- Uber One: $120 (Annual Cardmember Year)
Up to $9.99 per month for 12 consecutive months for Uber One monthly membership (must activate by 6/25/26)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (2)
- American Express Centurion Lounge (15 visits/year) — paid guests allowed
- Delta Sky Club (15 visits/year) — paid guests allowed
Elite Status (2)
- Delta SkyMiles: Annual $2.5K MQD headstart. Also earn $1 MQD for each $10 in purchases on the card.
- Hertz Gold Plus Rewards: President's Circle
Protections (9)
- Trip Cancellation/Interruption — up to $10,000 — Coverage for trip cancellation and interruption. Pay for round trip travel in full with your card to be eligible for this benefit. This includes award ticket fees or points.
- Trip Delay — up to $500 — Coverage up to $500 per trip for delays over 6 hours. Maximum 2 claims per 12-month period. Pay for round trip travel in full with your card to be eligible.
- Baggage Insurance — up to $1,250 — Coverage for lost, damaged, or stolen baggage. Up to $1,250 for carry-on and up to $500 for checked baggage per person, in excess of carrier coverage. Pay for the full cost of transportation with your Amex card.
- Emergency Evacuation — Emergency medical evacuation coverage with no limit. There is no requirement to pay for any part of your trip with your Amex card to use this benefit.
- Purchase Protection — up to $10,000 — Coverage for theft/damage up to $10,000 per occurrence and $50,000 per calendar year for 90 days from purchase date.
- Extended Warranty — Extends warranty by up to 1 year
- Return Protection — up to $300 — Refund up to $300 per item, $1,000 per calendar year, for items the merchant won't take back within 90 days of purchase.
- Car Rental Insurance (secondary) — up to $75,000 — Secondary coverage up to $75,000 for rental car damage/theft (primary coverage available for additional fee). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.
- Cell Phone Protection — up to $800 — Up to $800 per claim for repair or replacement of damaged or stolen cell phones, with $50 deductible. Maximum 2 claims per 12-month period. Must pay monthly wireless bill with card. Excludes cosmetic damage.
Other Perks
- 15% off award flights booked with miles
- annual companion certificate for domestic, Mexico, Caribbean, or Central American Main Cabin or First Class flights
- Zone 5 priority boarding
- first checked bag free
- complimentary upgrades when available (after Medallion members)
- 20% back on in-flight purchases as statement credit
