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
Bonus Miles? I was supposed to receive the 50k miles back in May. After 6 phone calls asking where they are, they opened an "investigation case". I've been given 4 different deadline dates on when I'll receive my miles. Now here in August I am told that this is now a wide spread case affecting many people and they "hope" to issue all of the miles out by October 7th. Is it coincidence that the 3 times I've asked to speak to a supervisor I've been disconnected as soon as they pick up the phone?? Just food for thought.
I just wish I could get a straight answer, I fly Delta every month for work and the only reason I chose this card is because my existing miles along with the 50k bonus miles would pay for my upcoming trip to visit family in October.
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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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