30 Reasons NOW is the perfect time to go for the Delta AMEX Platinum card: Free FICO score (and what you need for approval)

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Platinum Delta SkyMiles® Credit Card from American Express

 

TIC TOCK the clock is running for the LTO or Limited Time Offer from AMEX. This weekend, and through June 30th, I am looking at all the reasons I can think of. Like:

  1. CLEAR,
  2. BOGO cert,
  3. 70,000 SkyMiles,
  4. $100 Credit,
  5. 10,000 MQMs,
  6. MQD Waiver,
  7. 20,000 bonus MQMs,
  8. More Upgrades,
  9. Pay With Miles
  10. SYNC Deals
  11. Unique Card Product
  12. ZONE 1 Boarding (even on BASIC fares).
  13. 9 Free Bags
  14. Discounted Sky Club access
  15. #DeltaAmexPerks
  16. …today’s reason!

…and today I focusing on one that is both a perk and something that could block you or prevent you from getting this Delta AMEX card:

  • Free FICO score & tracking!

If you into travel cards at all one of the critical things to know is your real credit score and holding the personal Delta AMEX cards will provide just that. Experian, via their useful app, does give you a free credit report that also tracks hard credit pulls (and when they go away) but not your FICO credit score.

My current credit score from AMEX

AMEX will update your FICO score once a month. If you compare the results to other service that provide a score I think you will find AMEX tends to be a few points lower than the others. Does this mean it is more or less accurate? Hard to say but I like that AMEX tends to be a bit conservative in the scoring (btw other services show me well over 800 today). But I mentioned another factor in all of this.

Just what is a good or great FICO score?

When you again look at Experian they have a useful chart for you to compare your FICO score and where you land in the realm of “Very Poor, Fair, Good, Very Good or Exceptional” credit scores.

When it comes to Delta AMEX cards your chances for being approved are excellent if you are 740 or higher. If you are less than that, i.e. even if you have “good” credit, you are far less likely to get an instant approval (or to be approved at all).

Bottom line the Delta AMEX cards are for those who maintain and excellent credit rating and holding this card also give you free a chance to continue to monitor your FICO score free! – René

 

Platinum Delta SkyMiles® Credit Card<— Link

  • Limited Time Offer: Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 4 months.
  • In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 4 months. Offer expires on 7/5/2017.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Terms Apply.
  • See Rates & Fees

applynow

 

 

Gold Delta SkyMiles® Credit Card from American Express

 

8 comments

  1. I believe you are incorrect with the 740 credit score for instant approval. I received instant approval for the Amex Delta Gold card last year when my score was under 700. You may be pushing people away with that 740 score statement for no reason.

  2. @ScottM – Did not say you would not be approved but your chances for instant approval are MUCH better with 740 or higher FICO.

  3. I am specifically referring to the comment which includes “or to be approved at all” . It’s your blog but you may want to encourage people to click on your sponsors, not discourage them. Have a good day.

    “If you are less than that, i.e. even if you have “good” credit, you are far less likely to get an instant approval (or to be approved at all).”

  4. @ScottM – Again, if you score is too low you will be turned down for these higher end cards. If someone has a truly low score would it not be better for them to avoid a hard pull if there is little chance for approval. Again, not saying you have ZERO chance but your chances are much better if you have a good credit score. That is what I was trying to put forward.

  5. Spouse gets Delta Plat and spends $50k and earns 20k MQM + 10k signup MQM. These are not giftable right?
    And then gets Delta Reserve spends $60k and earns 30K MQM + 10K signup MQM. 10K signup is not giftable but is the 50k earned from Delta Plat now giftable? Making it possible to gift 50k to me?

  6. Corrected Plat earn from 50k to the correct 20K

    Spouse gets Delta Plat and spends $50k and earns 20k MQM + 10k signup MQM. These are not giftable right?
    And then gets Delta Reserve spends $60k and earns 30K MQM + 10K signup MQM. 10K signup is not giftable but is the 20k earned from Delta Plat now giftable? Making it possible to gift 50k to me?

  7. @Bill – You can ONLY gift spend bonus Reserve card MQMs. Rest no they go to card holders SkyMiles account

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