You might wonder if you have a excessive sufficient credit score to be authorised for a Delta SkyMiles credit card. Of course, it is necessary to keep in mind that whereas your credit score signifies your approval odds, it is not an absolute science. Credit card issuers additionally take into account many different facets when deciding whether or not to approve you for a card.
So let’s take a better take a look at what it normally takes to get authorised for Delta shopper playing cards, together with the Delta SkyMiles® Blue American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Reserve American Express Card.
What credit score do you need to get Delta SkyMiles American Express playing cards?
To be authorised for a Delta SkyMiles credit card, information factors counsel you will typically need a credit score of 690 or increased. However, it’s potential to be authorised with a credit score as little as 640 if different facets of your credit portfolio look interesting to American Express.
American Express would not publish a required credit score for its playing cards. After all, many different elements go into qualification past your score. For instance, Amex will doubtless additionally take into account your earnings and the age of your credit accounts.
Related: Why the proper credit score is not needed
How many card accounts can I’ve open?
American Express limits cardholders to at most 5 Amex shopper or enterprise credit playing cards. So, you doubtless will not be authorised if you have already got 5 different Amex shopper or enterprise credit playing cards.
Related: How many credit playing cards ought to I’ve?
Will I be eligible for a SkyMiles welcome bonus?
American Express typically restricts eligibility for a card’s welcome bonus to “one per lifetime.” For instance, the applying phrases and circumstances for the Delta Gold Skymiles Amex card presently state:
“You may not be eligible to receive a welcome offer if you have or have had this Card the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.”
Luckily, Amex’s welcome bonus qualification instrument will notify you if you are ineligible for a welcome bonus after you click on to apply. If you’re not eligible for the welcome bonus, you can both proceed with no welcome bonus or withdraw your software.
Daily Newsletter
Reward your inbox with the TPG Daily publication
Join over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
In September 2023, American Express launched a household rule on some private Delta credit playing cards, additional proscribing welcome bonus eligibility. The common phrases state:
“You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.”
In addition to these phrases, particular Delta playing cards issued by Amex embrace the up to date household phrases of eligibility:
- Delta SkyMiles® Blue American Express Card: You is probably not eligible to obtain a welcome supply if you have or have had this Card, the Delta SkyMiles® Options Credit Card, the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or earlier variations of those playing cards.
- Delta SkyMiles® Gold American Express Card: You is probably not eligible to obtain a welcome supply if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or earlier variations of those playing cards.
- Delta SkyMiles® Platinum American Express Card: You is probably not eligible to obtain a welcome supply if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or earlier variations of those playing cards.
- Delta SkyMiles® Reserve American Express Card: The household time period guidelines haven’t been added to this card as of now.
Basically, Amex will most likely disqualify you from receiving the welcome bonus on a lower-tier card (just like the Gold) if you’ve held a higher-tier one (just like the Platinum or Reserve).
How to examine your credit score
There are some ways to examine your credit score without cost. Many credit playing cards even let you examine your FICO score without cost. By checking your credit score commonly, you can see the place your score lies on the dimensions from good to dangerous and observe your score’s progress over time. You may additionally simply open a free account on a web site like Credit Karma that may assist you observe your score and its elements even higher.
Related: 6 issues to do to enhance your credit score in 2025
Factors that have an effect on your credit score
Before making use of for credit playing cards, it is important to perceive the elements that make up your credit score. The components for calculating your credit score is not precise. But FICO states it makes use of the next components and weights in its calculation:
- Payment historical past (35%): Whether you’ve paid previous credit accounts on time
- Amounts owed (30%): The relative measurement of your present debt and your current debt ratio to your obtainable credit, often known as your credit utilization
- Length of credit historical past (15%): How lengthy your credit accounts have been established (together with the age of your oldest account, the age of your latest account and the typical age of all of your accounts) and the way lengthy it has been since you used sure accounts
- New credit (10%): How many new accounts have you opened just lately
- Credit combine (10%): How many several types of credit accounts you have, corresponding to credit playing cards, retail accounts, installment loans, finance firm accounts and mortgage loans
Related: 7 issues to perceive about credit earlier than making use of for a brand new card
What to do if you get rejected
If Amex rejects your software, you ought to obtain a letter stating why Amex turned down your software. You can use this info to enhance your monetary scenario earlier than making use of once more. But, you may additionally name Amex’s reconsideration line at 1-800-567-1083 and make your case for why Amex ought to take a second take a look at your software.
If you name the reconsideration line, you ought to clarify to the consultant that you just lately utilized for a Delta Amex card. Then, you’ll need to be aware that you had been stunned to see Amex reject your software and would really like to converse to somebody about reconsidering that call. The consultant will doubtless ask for an software reference quantity or your Social Security quantity.
From there, it is up to you to construct a case for why Amex ought to approve your software. You might need a greater likelihood of success if Amex’s cause for rejection was one thing you’ve been ready to rectify since your software.
How lengthy to wait earlier than making use of once more
If Amex rejected your software, I would not suggest making use of once more for a similar card till you’ve addressed the explanations Amex gave on your rejection. However, making use of for a unique Amex card is mostly secure so long as you do not apply for too many playing cards inside 90 days.
American Express would not publish necessities relating to what number of purposes you can have and the way regularly you can submit purposes. However, TPG has discovered information factors suggesting the next:
- You can apply for 2 playing cards in a single day. Many stories point out that a minimum of one software will doubtless be placed on maintain as a fraud-prevention mechanism.
- You might get authorised for greater than two playing cards in 90 days. However, the overall rule is that you should not apply for 3 or extra Amex credit playing cards inside three months.
However, it is typically finest to go extra slowly. After all, making use of for too many playing cards in a brief time frame can look dangerous to banks. And if you’re authorised, you’ll need to meet minimal spending necessities to earn welcome bonuses on every card.
Related: Does making use of for a brand new credit card damage your credit?
Other playing cards to take into account
It’s tough to counsel different playing cards to take into account with out understanding why you needed to apply for a cobranded Delta card within the first place. So, listed below are some options based mostly on the primary causes vacationers normally apply for cobranded Delta playing cards.
Related: 4 the explanation why the Amex Platinum is perhaps the perfect credit card for Delta flyers
Related: The finest journey credit playing cards
Bottom line
According to shopper information factors, you typically need a credit score of 690 to increased to be authorised for a Delta Amex card. However, some individuals have been authorised with a score as little as 640 when different elements of their credit enchantment to American Express.
Before making use of, candidates ought to pay attention to Amex’s welcome bonus eligibility and the inclusion of a brand new household language, which additional restricts eligibility. Luckily, Amex affords 4 Delta shopper credit playing cards, and most of the people ought to be eligible for a minimum of one in all them to assist them benefit from nice advantages when flying Delta.
Apply right here: Delta SkyMiles® Blue American Express Card
Apply right here: Delta SkyMiles® Gold American Express Card
Apply right here: Delta SkyMiles® Platinum American Express Card
Apply right here: Delta SkyMiles® Reserve American Express Card
