Is it hard to get the Delta Gold Card?

Delta-branded American Express cards are expedited free of charge, so it should take 2 to 3 business days from approval to receive my Gold Delta Skymiles in the mail.

That's good, considering that most other American Express cards require 3 to 5 business days for delivery. Also, take into account that you will receive your account number immediately after approval for online applications, so you will be able to use your new American Express card for online purchases even earlier.... read full answer

Furthermore, American Express gives you the chance to add your actual card number to your digital wallet (like Apple Pay, Samsung Pay, or Google Pay) before your card arrives in the mail. You can find out more about this feature here.

Yes, it's hard to get an American Express card because they all require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclays and Wells Fargo do too, for example. And if you're fortunate enough to have good credit or better, an American Express credit card will be no harder to get than any other credit card.... read full answer

The easiest American Express cards to get are those that require a minimum of good credit for approval, as opposed to excellent credit only. You may also want to target cards that are co-branded with a certain hotel or airline, as well as offers with lower annual fees. However, Amex also offers premium cards for big-spenders, which can be relatively difficult to get. These cards also come with high fees.

Easiest American Express Cards to Get

Keep in mind that American Express also evaluates each applicant's income and debt obligations to make sure they can afford monthly bill payments on a new line of credit. However, there isn't much information available about Amex's standards in those regards. But you shouldn't expect them to differ too much from other credit card companies' policies.

You should also note that while Amex cards are relatively hard to get, there are several other credit cards that are easy to obtain.

Easiest Credit Cards to Get

If you don’t know where you stand, check your credit score for free, right here on WalletHub. You can also track your progress with free daily updates.

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.... read full answer

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

1. Click “Check for Pre-qualified Credit Card Offers” on the American Express
2. Log in to your American Express account.
3. Enter your name, address, income, and the last four digits of your SSN.
4. 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.