Apply for Delta SkyMiles Credit Card: The Delta SkyMiles Credit Card is a great option for frequent travelers who want to earn miles on everyday purchases.
With various card options, each offering unique benefits, it can help you save on flights, enjoy priority boarding, and access exclusive perks.
But how do you apply? In this guide, we’ll walk you through the application process step by step, ensuring you have the best chance of approval.
Understanding Delta SkyMiles Credit Cards
Delta, in partnership with American Express, offers several SkyMiles credit card options to fit different travel and spending needs. Here are the most popular ones:
Types of Delta SkyMiles Credit Cards
- Delta SkyMiles® Blue American Express Card – No annual fee, great for casual travelers.
- Delta SkyMiles® Gold American Express Card – Free first checked bag, priority boarding.
- Delta SkyMiles® Platinum American Express Card – More miles per dollar, annual companion certificate.
- Delta SkyMiles® Reserve American Express Card – Premium perks like Sky Club access and status boosts.
Each card offers different rewards structures, benefits, and annual fees. Choosing the right one depends on how often you fly with Delta and how much you spend on travel.
Benefits of Delta SkyMiles Credit Cards
Why should you get a Delta SkyMiles Credit Card? Here are the top benefits:
Earn Miles on Every Purchase
- Earn bonus SkyMiles on Delta purchases.
- Extra miles for dining, groceries, and everyday expenses.
- No expiration date on earned miles.
Exclusive Travel Perks
- Priority boarding for you and companions.
- Free checked bags for cardholders.
- Companion tickets on select cards.
- Access to Delta Sky Club lounges (Reserve Card).
Special Discounts & Offers
- Discounts on inflight purchases (food, drinks, Wi-Fi).
- Annual statement credits for travel expenses.
- Upgrades and elite status benefits with select cards.
Eligibility Requirements
Before applying, ensure you meet these basic eligibility criteria:
Credit Score Requirements
- Good to excellent credit (670+ FICO score recommended).
- Higher-tier cards may require an even better score (700+).
Income & Employment Verification
- Proof of stable income or employment may be required.
- Self-employed applicants may need additional documentation.
Other Approval Factors
- Existing debt and credit utilization.
- Past relationship with American Express.
- History of responsible credit card use.
Step-by-Step Application Process
Applying for a Delta SkyMiles Credit Card is simple. Follow these steps:
Step 1: Research & Choose the Right Card
- Compare the benefits and fees of different Delta SkyMiles cards.
- Select the one that best fits your travel and spending habits.
Step 2: Check Your Credit Score
- Use free credit check tools to see where you stand.
- If your score is too low, consider improving it before applying.
Step 3: Gather Required Documents
- Personal information: Name, address, phone number, email.
- Financial details: Employment status, income, and expenses.
- Social Security Number (SSN) for identity verification.
Step 4: Fill Out the Online Application
- Visit the American Express website.
- Select the Delta SkyMiles card you want.
- Enter your details carefully to avoid errors.
Step 5: Review & Submit
- Double-check all information for accuracy.
- Click submit and wait for a response.
Tips to Improve Approval Chances
Want to increase your odds of getting approved? Here’s how:
- Improve your credit score by paying off outstanding debt.
- Lower your credit utilization (keep it under 30%).
- Avoid multiple applications for other credit cards.
- Ensure income stability before applying.
What to Do After Applying?
Once you’ve applied, here’s what to expect:
Checking Your Application Status
- Log in to American Express’s website to check status.
- Call customer support if needed.
Understanding Approval or Denial
- Approved? Expect your card in 7-10 business days.
- Denied? You’ll get a reason letter with possible next steps.
Next Steps After Approval
- Activate your card online or via phone.
- Set up automatic payments to avoid missed due dates.
- Start earning miles with your first purchase!
Using Your Delta SkyMiles Credit Card Wisely
To maximize your benefits, follow these best practices:
Earn & Redeem Miles Efficiently
- Use your card for travel, dining, and Delta purchases.
- Redeem miles for flights, upgrades, and vacation packages.
Avoid Interest & Fees
- Pay your balance in full each month to avoid high-interest charges.
- Watch for annual fees and ensure the benefits outweigh the costs.
Stay Updated on Promotions
- Delta and Amex offer bonus miles promotions—take advantage of them!
FAQs About Applying for a Delta SkyMiles Credit Card
1. How do I apply for a Delta SkyMiles Credit Card?
Applying is simple! Visit the official American Express website, browse the available Delta SkyMiles cards, and click “Apply Now.” Fill out the application form with your personal and financial details, then submit for approval.
2. What credit score is needed for a Delta SkyMiles Credit Card?
Most Delta SkyMiles Credit Cards require a good to excellent credit score (typically 670 or higher) for approval. However, approval depends on multiple factors, including your income and credit history.
3. What are the benefits of a Delta SkyMiles Credit Card?
Cardholders enjoy perks like bonus SkyMiles on purchases, priority boarding, free checked bags, and access to Delta Sky Club lounges (depending on the card type). Some cards also offer companion certificates and statement credits on Delta purchases.
4. How long does it take to get approved?
Many applicants receive an instant decision, while others may need additional review, which can take 7–10 business days. Once approved, your card typically arrives within 7–14 days.
5. Is there an annual fee for a Delta SkyMiles Credit Card?
Yes, some Delta SkyMiles cards have an annual fee, while others offer a $0 introductory annual fee for the first year. Higher-tier cards with premium benefits have higher annual fees, so choose the one that fits your travel needs.
6. Can I earn a welcome bonus when I apply?
Yes! Delta SkyMiles Credit Cards often offer welcome bonuses after meeting a minimum spending requirement within the first few months. Check the latest sign-up offers before applying.
7. What happens if my application is denied?
If your application is denied, review the reasons provided by American Express. You can improve your approval chances by increasing your credit score, reducing debt, and ensuring accurate application details before reapplying.
Applying for a Delta SkyMiles Credit Card is an excellent way to earn miles and enjoy travel perks. Follow this guide to make the process smooth and increase your chances of approval!
