The Delta Gold Card does not have a balance transfer fee. The reason the Delta Gold Card has no transfer fee is that it does not allow balance transfers at all, and that means you’ll need to look for another credit card to help reduce the cost of existing debt.
No, the Delta Gold Card does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Delta Gold Card is not a great credit card to use.
Online: To apply for the Delta Gold Card online, click the “Apply Now” button, then enter the requested personal and financial information, review the card’s terms, and submit the application.
By phone: Call American Express at (800) 223-2670. Say “Apply” when prompted. Provide personal information and then submit your American Express credit card application.
Respond to a mail offer: If you accepted a mail offer, you can respond to it by visiting the dedicated web page. Another option would be to fill out the application and mail it back in the addressed, postage-paid envelope that came with the offer.
It can take anywhere from a few minutes to 14 days to get approved for the Delta Gold Card.
Certain applicants may be approved instantly if they match the Delta Gold Card’s exact criteria. However, not being approved immediately after applying doesn’t mean you won’t have a shot after your application is reviewed in closer detail. You will be informed of the issuer’s final decision within 14 days from applying.… read full answer
You can also check your Delta Gold Card application status online or by calling customer service at (888) 826-3471. You will need to provide some personal information such as your Social Security number and your home ZIP code.
Keep in mind that the Delta Gold Card requires a credit score of 700, at a minimum. So applicants need good credit or better to have decent odds of approval. If you don’t know where you stand, you can check your credit score for free, right here on WalletHub.
Other factors such as income, existing debts and your general ability to make credit card payments will also be taken into consideration. You can check to see if you pre-qualify for the Delta Gold Card and other offers on the issuer’s dedicated web page. Unlike an actual application, checking for pre-qualification does not affect your credit score, as it’s based on a soft pull on your credit report. Just bear in mind that getting pre-qualified indicates you have good odds of approval, but it does not guarantee it.
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