Ford was recently approved for both the Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card by applying same day. American Express typically only approves one application a day but I recommend applying same day, and then one card will be processed instantly, while the other card will be processed a few days later.
Last week I shared my experience applying for the Delta SkyMiles® Gold Business American Express Card, following rumors that American Express has lifted the limit on how many cards you can have at any given point. That wasn’t my experience, so I was instantly denied for having their maximum number of credit cards.
However, I canceled a different American Express card that I’ve had for a few years and rarely used, so that my application would be reconsidered.
Well, a few days later I received an email confirmation that I was approved for the Delta SkyMiles® Gold Business American Express Card, which is awesome.
This shows that if you are at the limit for how many Amex cards you can have, you can apply, then cancel an existing card, and then have the original application reconsidered, without getting another credit pull. That’s great, and an awesome way to see how many cards Amex will let you have.
How easy is to get approved for a Delta Business Amex?
In my case I applied for the Delta SkyMiles® Gold Business American Express Card for my corporation, which has an EIN and has been around for a long time. But I’d note that historically this card is easy to get approved for. You should always be completely honest in your applications, though keep in mind that even sole proprietorships qualify for a business credit card — you don’t need an EIN or need to be incorporated.
All you need to provide is your:
- Business name (which could be your name)
- Business address (for those of us who work remotely, it’s often our home address)
- Industry type (which is easy enough)
- Company structure (sole proprietorship, corporation, etc.)
- Years in business
- Number of employees
- Annual business revenue (you select from a dropdown menu)
The point is, you don’t need to have millions of dollars of revenue or 10 employees to get approved. I’ve heard plenty of success stories from people who have sole proprietorships with one employee, just 0-1 years in business, and limited revenue.
Bottom line
I’m really happy I got approved for the Delta SkyMiles® Gold Business American Express Card. While the limit of four Amex charge cards and four Amex credit cards still seems to be in place for me, at least I was able to cancel an existing card and then have my application reconsidered with ease.
I've asked and get answers, don't necessarily trust the answers....
How can you find out if you have ever had a card in the past? I don't remember exactly which Delta cards I have had. Can you just ask?
Lucky, I don't just mean approved for I mean get the bonuses. I've only been an authorized user on gold personal versions, if even that.
I was told flat out from a knowledgeable employee and who talked with her AMEX supervisor there is no four card rule for each type of card(charge or regular cc). So I'm confused. I was told there is a max to be able to apply for in a given period.
I'm wondering too if I can apply for a gold business and gold personal to get bonus as I already have the two plat versions. Anyone tried that and got bonus?
@ Jeff S -- If you haven't had those specific cards yet, you should be able to get approved for them. Let me know if you have any other questions!
You may not need to close a card... Had 4 AmEx credit cards. Applied for 5th. Got instant denial. Called reconsideration line. Specifically mentioned the new rule allowing a maximum of 5 AmEx credit cards. First couple agents said I needed to close one card. But, the third agent successfully submitted reconsideration. Got approval a few days later. Seems the online automated approval system generates a denial when you already have 4 AmEx credit cards....
You may not need to close a card... Had 4 AmEx credit cards. Applied for 5th. Got instant denial. Called reconsideration line. Specifically mentioned the new rule allowing a maximum of 5 AmEx credit cards. First couple agents said I needed to close one card. But, the third agent successfully submitted reconsideration. Got approval a few days later. Seems the online automated approval system generates a denial when you already have 4 AmEx credit cards. But, after online denial, phone agents, at least knowledgable agents, can submit a reconsideration request.
I applied for the AMEX Business card and was approved. Once it came I realized I already have the card from a little over a year ago. I am assuming they will not give me the points again but since the spend is so small I am tempted to do it and see what happens. Has a second card worked for anyone recently?
"American Express typically only approves one application a day but I recommend applying same day, and then one card will be processed instantly, while the other card will be processed a few days later."
Lucky, so, did the two applications on the same day result in one or two hard pulls for you?
Can myself and my wife apply for the card under the same Ein number and both get the 50k bonus?