I applied for this card after CK showed I had a "fair" chance of approval. There's a general rule with card approvals that many people with fair to average credit don't know about. I'll use Capital One as an example since a little trickier to explain with AMEX cards. When CC companies offer 2 or more card products that are similar in class (i.e., Quicksilver and Quicksilver One) the one with the annual fee is the one that you'll have a strong likely chance of approval. Usually, the card without the annual fee is typically reserved for people with higher credit scores. This is not to say all CC companies practice this rule, but in general, most do. In this case, Delta AMEX Gold is the base level travel card in its class. If CK shows that you have "fair" chance of approval and there is an annual fee involved, it's very likely that'll you'll be approved. If you do get approved, exercise this rule moderately. All new inquiries can negatively impact your credit score, and too many will raise a red flag with CC companies. As far as how I use this card, I primarily use it for Delta travel expenses. With fair to average credit scores, the interest rate for this card is very high and should not be used as an "everyday" card unless you intend to pay it off completely every month.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 16.74% - 25.74%* Variable
- Annual Fee $0 intro, $95 after first year
- Purchase Intro APR Not Applicable
- Purchase Regular APR 16.74% - 25.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Love this card was approved with CK very good odds, applied and received instant approval!; giving it only 3 stars due to card chip problems, only works if swiped, received replacement card and same issue. Chip will not work at anytime, any place, but I'm able to use it online and at local gas stations which is fine with me. Thank you American Express!
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Sample Size: 370
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.