Chip Lupo, Credit Card Writer
Yes, the Delta Gold Card does have pre-approval. American Express has an online pre-approval page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one. Current American Express customers may also receive pre-approved offers periodically by e-mail or when logging into their card’s online account. And in some cases, American Express will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a Delta Gold Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Delta Gold Card Pre-Approval Online
- Click “Check for Pre-qualified Credit Card Offers” on the American Express
- Log in to your American Express account.
- Enter your name, address, income, and the last four digits of your SSN.
- Click “View My Card Offers” to view any pre-approved offers.
If you are pre-approved online, you will see all American Express credit cards that will give you the highest odds of approval, which may or may not include the Delta Gold Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a Delta Gold Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows American Express to flag the application as pre-approved.
Delta Gold Card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. Similarly, when you apply for an Amex personal card, a soft inquiry will be made on your credit report and you will be told with certainty if you are approved. However, if you are approved and want to get the card, American Express will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.*
*This limited-time new application experience is currently available for individuals applying for a U.S. personal card via WalletHub, on the American Express site, or by calling American Express and is not available if you apply for a card after you log into an existing Card Member Account.
Delta SkyMiles® Gold American Express Card
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