You may be wondering if you have a high enough credit score to get approval from your Delta Skymiles credit card. Of course, it is important to remember that while your credit score indicates your endorsement odds, it is not absolutely science. Credit card issuers also consider many other aspects when deciding whether to approve your card.
So let’s take a closer look at the approval of the Delta Consumer card, including DeltaSkymiles®BlueAmerican Express Card,,,,, DeltaSkymiles® Gold American Express Card,,,,, Delta Skymiles® Platinum American Express Card and DeltaSkymiles® Reserve American Express Card.
What credit score do you need to get to get a Delta Skymiles American Express card?
To obtain approval from a Delta Skymiles credit card, data points suggest that you usually need a credit score of 690 or higher. However, if other aspects of your credit portfolio look attractive to American Express, it is possible to get approved with a credit score as low as 640.
American Express does not have the credit score required to publish its cards. After all, many other factors exceed your score eligibility. For example, AMEX may also consider your income and age of your credit account.
Related: Why you don’t need a perfect credit score
How many card accounts can I open?
American Express limits cardholders to up to five AMEX consumer or commercial credit cards. So if you already have five other AMEX consumer or commercial credit cards, you may not get approval.
Related: How many credit cards should I have?
Am I eligible for Skymiles welcome bonus?
American Express usually limits the card’s welcome bonus to “every life”. For example, the application terms and conditions of the Delta Gold Skymiles Amex card are currently stated:
“If you have or own the Delta Skymiles® Platinum American Express card, the Delta Skymiles® Reserve American Express card or previous versions of these cards. You may not be eligible for a welcome offer based on your various factors, such as your credit card balance history, your history transfer, your history in your history, and other factors, you may not be eligible for a welcome offer, and you may not be eligible for this card, such as your credit card balance history, your Express Card members and other factors.
Fortunately, if you click to apply, AMEX’s Welcome Rewards tool will notify you of eligibility for a welcome bonus. If you are not eligible for a welcome bonus, you can move on or withdraw your application without the welcome bonus.
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In September 2023, American Express introduced some family rules for personal delta credit cards, further limiting the welcome bonus eligibility. General Term Status:
“You may also not be eligible for welcome offers based on various factors, such as the history of your credit card balance transfer, your history as a member of the U.S. courier card, the number of credit cards you have opened and closed, and other factors, and other factors. If you do not meet a popular offer, we will notify you before processing the application so you can choose to withdraw your application.”
In addition to these terms, the specific triangle cards issued by AMEX include the latest family terms:
- DeltaSkymiles®BlueAmerican Express Card: If you have or own this card, DeltaSkymiles® Option Credit Card, DeltaSkymiles® Gold American Express Card, DeltaSkymiles® Platinum American Express Card, DeltaSkymiles® Reserve American Express Card or previous versions of these cards.
- DeltaSkymiles® Gold American Express Card: If you have or own this card, DeltaSkymiles® Platinum American Express card, DeltaSkymiles® Reserve American Express card, or previous versions of these cards, you may not be eligible for the welcome offer.
- Delta Skymiles® Platinum American Express Card: If you have or own this card, DeltaSkymiles® Reserve American Express Cards or previous versions of these cards, you may not be eligible for a welcome offer.
- DeltaSkymiles® Reserve American Express Card: So far, no family regular rules have been added to this card.
Basically, if you hold a higher tier (such as Platinum or Reserve), AMEX may disqualify you from receiving a welcome bonus (such as gold) on a lower tier card.
How to check your credit score
There are many ways to check your credit score for free. Many credit cards even let you view FICO scores for free. By checking your credit score regularly, you can see the scores range from good to bad positions and track the progress of your score over time. You can also easily open a free account on a website like Credit Karma that can help you track your scores and their factors better.
Related: 6 Things to Improve Credit Rating in 2025
Factors that affect your credit score
Before applying for a credit card, it is necessary to understand the factors that make up a credit score. The formula for calculating credit scores is not accurate. But FICO points out that it uses the following elements and weights in its calculations:
- Payment history (35%): Have you paid your past credit account on time
- Amount of owed (30%): The relative size of your current debt and your existing debt ratio to your available credit (also known as your credit utilization)
- Credit record length (15%): How long has your credit account been established (including the age of your oldest account, the age of the latest account and the average age of all accounts) and how long has it been used since using some accounts
- New Credit (10%):How many new accounts have you opened recently
- Credit portfolio (10%): How many different types of credit accounts do you have, such as credit cards, retail accounts, installment loans, financial company accounts and mortgage loans
Related: 7 things to know about credit before applying for a new card
What to do if you are rejected
If AMEX rejects your application, you should receive a letter stating why AMEX rejects your application. You can use this information to improve your financial situation before applying again. However, you can also call AMEX’s reconsideration line at 1-800-567-1083 and explain why Amex should take a closer look at your application.
If you call the Reconsideration Line, you should specify the representative of your most recent Delta Amex card. Then you need to note that you are surprised to see Amex reject your application and want to talk to someone about rethinking the decision. A representative may request a reference number or your Social Security number.
From there, you have to build a case for why AMEX approves your application. If Amex’s reason for rejection has been corrected since the app, you may have a better chance of success.
How long to wait before applying again
If Amex rejects your application, I do not recommend you apply for the same card again until you resolve the reason for Amex’s rejection. However, as long as you don’t apply for too many cards within 90 days, it is usually safe to apply for a different AMEX card.
American Express does not publish requirements on how many applications you can have and how often you can submit your applications. However, TPG found the data points of the following data points:
- You can apply for two cards in one day. Many reports suggest that at least one application may be put on hold as a fraud prevention mechanism.
- You may get more than two approvals within 90 days. However, the general rule is that you should not apply for three or more AMEX credit cards within three months.
However, it is usually better to walk more slowly. After all, applying for too many cards in a short period of time can put the bank at risk. And if you get approved, you need to meet the minimum spending requirement to earn a welcome bonus per card.
Related: Will applying for a new credit card harm your credit?
Other cards to consider
It’s hard not to know why you need to apply for a COMBRANT DELTA card first, which is another card that is difficult to consider. So, here are some suggestions based on the main reasons why travelers usually apply for a common brand of Delta cards.
Related: 4 reasons why Amex Platinum might be the ideal credit card for Delta Flyers
Related: Best Travel Credit Cards
Bottom line
According to consumer data points, a 690 credit score is usually required to obtain approval from a Delta Amex card. But some scored as low as 640 when its credit attracted people to other factors of American Express.
Before applying, applicants should be aware of the AMEX’s welcome bonus eligibility and the inclusion of a new family language, which further limits eligibility. Fortunately, Amex offers four Delta consumer credit cards, and most people should be eligible for at least one person to help them take advantage of the huge benefits when flying the Delta.
Apply here: DeltaSkymiles®BlueAmerican Express Card
Apply here: DeltaSkymiles® Gold American Express Card
Apply here: Delta Skymiles® Platinum American Express Card
Apply here: DeltaSkymiles® Reserve American Express Card
