Experience Getting Approved For 2 Delta Amex Cards

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, including American Express, Capital One, Chase, and Citi, and thanks for your support!

Update: These offers for the Gold Delta SkyMiles® Business Credit Card from American Express, the Gold Delta SkyMiles® Credit Card from American Express, the Platinum Delta SkyMiles® Business Credit Card from American Express and the Platinum Delta SkyMiles® Credit Card from American Express have expired. Learn more about the current offers here.

I’ve already written about the limited time increased welcome bonuses on the Delta Amex credit cards, which have been around for almost a week. Each of the following cards offers 50,000-60,000 miles upon completing minimum spend:

If you haven’t had any of these cards before you can potentially pick them all up, and earn up to 220,000 bonus Delta SkyMiles.

Last week I explained that one of the easier strategies to take if wanting to maximize these bonuses is to apply for the Gold Delta SkyMiles® Credit Card from American Express and Gold Delta SkyMiles® Business Credit Card from American Express, as they each offer a welcome bonus of 50,000 SkyMiles after spending $2,000 within three months, and they each have their $95 annual fee waived the first year.

I explained that if you were to apply for these cards, I’d recommend doing so in the same day, even though you might not instantly get approved for both.

Ford applied for both the Gold Delta SkyMiles® Credit Card from American Express and Gold Delta SkyMiles® Business Credit Card from American Express on Friday, so I figured I’d report back on his experience with the approval process.

First he applied for the Gold Delta SkyMiles® Credit Card from American Express, for which he was instantly approved (his legal name is John, hence the “Congratulations, John…”).


I find Amex cards to historically be pretty easy to be approved for, so it’s no surprise he was approved.

Then he applied for the Gold Delta SkyMiles® Business Credit Card from American Express, for which he got a “pending review” message. This is normal, as Amex typically won’t process multiple applications in a day. So Ford called up Amex, and they told him to call back Monday so the application could be processed, as it was on hold until then.


He could see this reflected on the Amex card application status page.


Then on Monday he called the same number again, and in less than a minute the agent had him approved for the Gold Delta SkyMiles® Business Credit Card from American Express as well.


This is the second business card Ford has gotten from Amex in the past few months — previously he got the Starwood Preferred Guest® Business Credit Card from American Express.

I also find American Express business cards to be easy to be approved for.

It goes without saying that you should always be honest with your application. Ford applied as a sole proprietorship, meaning he used his social security number, rather than an EIN. He then had to provide his years in business (0-1), number of employees (1), and business revenue.

Bottom line

Ford will have 100,000+ Delta SkyMiles after he spends $4,000 between the Gold Delta SkyMiles® Credit Card from American Express and Gold Delta SkyMiles® Business Credit Card from American Express.

To those looking to do something similar, my advice would be to apply for a personal and business version of the card same day. You can be approved instantly for one of the cards, and then a few days later will just have to call in to be approved for the other version of the card. It’s super easy.

Non-Affiliate Product Disclaimer: The information for the Platinum Delta Skymiles Business and Gold Delta Skymiles has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.


  1. The Delta Platinum is tempting due to the EQMs but I don’t like the fact that its not really Platinum. The Reserve card is ok but the lounge access seems too limiting for such a fee.
    Good post btw

  2. How many Amex cards can one have? I’d love to get the Delta Gold cards (switching from AA to Delta thanks to AA destroying their “loyalty” plan) but I already have 5 Amex: Plat, Gold, Hilton, SPG, & EveryDay.

  3. @ JJ traveler — You can have four credit cards and four charge cards. So in your case the Platinum is a charge card, the SPG, Hilton, and EveryDay are credit cards, and the Gold card depends on the type. The Premier Rewards Gold Card is a charge card, for what it’s worth, in which case you could pick up one Delta Amex.

  4. @DaninMCI Don’t forget that with the Reserve Card you ALSO get the companion ticket good for domestic coach OR domestic First Class (with the Platinum Card it is only good for a domestic coach ticket). If used strategically this more than covers the annual fee of the card.

  5. @ lucky Thanks for the info. Yes, my gold is the Premier Gold charge card. Looks like I only have room for 1 more.

  6. Is it really possible to get all four? I thought you could only apply for two AMEX cards in 90 days.

  7. @lucky or anyone: If you apply for the business card with your EIN do you get a hard hit on your personal credit score? Or does it go to the business credit?


  8. Related @frank and the hard-pull question – I have both a sole proprietorship and an LLC engaged in totally different business activities. Could I circumvent the four-card maximum or the one-bonus-per-lifetime AMEX rules, by applying once under the LLC’s employer ID number, and another time just in my name?

    Could applying under an EIN also circumvent the Chase 5/24 restriction as well?

    Or does the fact that you have to enter your SSN as guarantor mean that the limits still apply for both Chase and AMEX?

  9. @ frank — The inquiry does show up on your credit score, but other than that it has no impact on your personal credit score.

  10. @ Paul — Amex business cards are limited to one per person, even if you have multiple businesses.

    The good news is that if you apply for a business card with Amex it won’t count towards the 5/24 restriction with Chase. The inquiry shows on your personal score, but doesn’t otherwise impact it.

  11. @DLPTATL I have the Delta Platinum card, and have found the companion ticket for economy very useful being from Hawaii (although the fare restrictions can be a pain) but I have read lots of issues when trying to redeem the Reserve companion ticket for First Class because of fare restrictions being much worse for the first-class fares.

    Although in general I have liked Delta, I am looking to switch to the Alaska Airlines Card and fly Alaska Airlines, because even though the Companion Fare actually costs $99, the AF is lower than the Delta Platinum making the overall cost roughly the same, and also the Companion Fare is much more flexible, allowing for stop-overs, and also accruing mileage for the co-passenger, a HUGE plus with Alaska since they are still distance based.

  12. Is there a way to apply for the business card if you don’t own a business? My husband is a university professor.

  13. Thanks, Lucky, for all the good you do through your website. I just applied for the Amex Business and Personal Delta cards. One was approved immediately but the Business card is being held up for five business days for security reasons. My question is, now that I have a collection of credit cards, some of which I never use, I would like to close them to avoid membership fees. Will canceling the cards affect my credit score?

  14. I applied for both along with an AMEX Mercedes Platinum and obviously all went to pending. I called in and spoke with one rep who approved all 3 in less than 10 minutes time. It’s possible my monthly spending habits contributed to the easy approval.

  15. @Jeanne “One was approved immediately but the Business card is being held up for five business days for security reasons.”
    I had the same experience. Amex new accounts said look for an email after the 5 days, or call again.

    Also happened with my DW’s 2nd application on same day (1 gold personal card + 1 platinum personal card) and that rep said for fraud protection they will not approve two cards from the same family (i.e. all Amex Delta cards) on the same day.

  16. I just got off the phone with Amex, spoke with 2 people at fraud and customer service, and they informed me that once you become a Delta Amex member, you are no longer eligible for the other bonus miles. So when I was approved this morning for Amex Delta gold personal, I became a “member” and I will only earn bonus miles on that and will not earn bonus miles for the Amex Delta gold business which I applied for an hour later the same day and was pending review. Even if/when it is approved and I complete the requirements. They say you can only earn one time bonus points on all the Delta Amex family of cards. Can anyone confirm?

  17. @ G — This is definitely not true. We applied for both the personal and business, and earned the miles for both.

  18. I like the Amex Delta cards, even though I missed the crazy high bonus miles, I’m planning on flying Delta First class overseas 5 times in the next 4 months. No problem hitting the spend to get EQM for both the Reserve and Platinum cards. These 2 cards coupled with my upcoming travel will definitely hit me into Diamond medallion. Can I get an Amex Delta Platinum card and personal Amex Delta reserve and get bonus EQM for both?

  19. If I apply today (10/8) and get the cards Thursday (10/12), spend the $2,000 on Thursday, how soon would I have access to miles? I need the miles for a flight 12 days from now.

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