by If you’re a frequent flyer with Delta Airlines, you might have come across the Delta SkyMiles cards. These cards, issued by American Express, allow you to maximize your rewards every time you travel. But before you can start earning those rewards, there’s a small hurdle to cross – your credit score. Let’s dive deep into the credit score you need to get a Delta SkyMiles card.
Delta SkyMiles Cards: A Quick Overview
There are four types of Delta SkyMiles cards:
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Reserve American Express Card
Each card has its unique benefits and bonuses, but all of them offer some common perks like $0 checked bags on Delta flights, airport lounge access, and annual companion certificates. Plus, the SkyMiles you earn can be redeemed in various ways, making it possible to get maximum value from your rewards.
The Credit Score You Need for Delta SkyMiles Cards
While the exact credit score needed for Delta SkyMiles cards isn’t published, a score of 690 or higher is generally considered a safe bet. However, some cardholders have reported approval with scores as low as 640. Remember, credit card issuers consider factors other than your credit score, such as income, debt ratio, and payment history.
Strategies to Increase Your Odds of Approval
Here are some tips to enhance your chances of getting approved for a Delta SkyMiles card:
- Know Your Score: Understand your credit scores from the three major bureaus (Equifax, Experian, and TransUnion).
- Maintain Low Credit Utilization: Keep your credit utilization below 30% to demonstrate responsible credit usage.
- Pay Bills On Time: Your payment history significantly impacts your credit score.
- Limit Hard Credit Inquiries: Each credit card application results in a hard inquiry that can temporarily lower your score.
- Optimize Your Income and Debt-to-Income Ratio: A steady income and low debt-to-income ratio make you a more appealing applicant.
- Maintain a Diverse Credit Mix: Having various types of credit shows lenders that you can handle different types of credit responsibly.
- Keep Older Accounts Open: The length of your credit history plays a role in your credit score.
- Monitor Your Credit Regularly: Regular checks can help you spot errors or signs of fraud.
What If You Get Rejected?
Don’t fret if your application gets rejected. Amex will send you a letter explaining the reasons for the decision. You can use this information to improve your financial situation before reapplying. Alternatively, you can call Amex’s reconsideration line at 1-800-567-1083 and make a case for why they should reconsider your application.
How Long Should You Wait Before Applying Again?
If your application was rejected, it is advisable to wait until you’ve addressed the reasons for rejection before reapplying. However, it’s generally safe to apply for a different Amex card as long as you don’t apply for too many cards within 90 days.
Other Cards to Consider
If you’re unable to get a Delta SkyMiles card or if it doesn’t suit your needs, consider other cards like The Platinum Card® from American Express or cards that offer annual travel credits or an airline-fee credit that can cover checked baggage fees.
The Bottom Line
The Delta SkyMiles cards offer great benefits and rewards for Delta flyers. While a credit score of 690 or higher increases your chances of approval, other factors like income and payment history are also considered. If you plan your application strategically and maintain a healthy credit score, you can get approved and start earning rewards on your Delta flights!
Apply Now for a Delta SkyMiles Card
Disclaimer: This article is meant for informational purposes only and is not intended as financial or legal advice. Always do your research and consult with a professional before making any financial decisions.
