Amex Delta Blue vs Gold

mrcrisp023 · ‎10-14-2022

Hi all,

My surfing of the forums has shows me most saying that the Delta Gold is one of the easier Amex cards to get. As a Delta loyalist, I would prefer a Delta card. I noticed the Delta blue today. It looks like a newer card. Would this card be easier to get since it has less perks? I see some people say all the UW requirements for all revolvers are the same but I don't see how that's possible if it's the same card but with less perks.

Thanks!

Capital One SavorOne: $3000 / Bank of America Unlimited Cash Rewards Visa Signature: $500 / Mission Lane: $2500 / Merrick: $2000 / CreditOne Amex: $850

Starting 09/2022 MyFico 08: EQ 648 / TU 659 / EX 644
Current MyFico 08: EQ 733 / TU 720 / EX 734

2024 EOY Goal: 750

Anonymous · ‎10-14-2022

Am curious too, but Gold sub is very tempting and reasonable too, $2000 for 6 m and get 65k miles

OmarGB9 · ‎10-14-2022

I don't think I've ever heard that all the revolvers have the same UW requirements. I've only heard that all the *charge cards* have the same UW.

I only know the revolvers have more stringent UW.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Heatt99 · ‎10-15-2022

Co-branded cards are easier to get than Amex MR cards.

Gold is better than blue, free check bag for a group of 8 on same itinerary.

Check prequal which is a SP on initial application, then HP once accepted. Pretty solid site.

WasteMgmt · ‎10-15-2022

I think personally I would go for the Gold because they usually wave the annual fee in the first year. Then at the year mark you can decide and re-evaluate if you want to downgrade or keep it.

CapitalOne Venture X, CapitalOne Quicksilver, Chase Sapphire Preferred, Chase Freedom OG, Chase Freedom OG, Amex BCE, Wells Fargo Autograph
Last application 5/2023

notmyrealname23 · ‎10-15-2022

Get the Gold in year 1.

Collect SUB.

Downgrade in year 2 to Blue.

Pay $0 AF, collect your SkyMiles, enjoy.

OmarGB9 · ‎10-15-2022

@notmyrealname23 wrote:
Get the Gold in year 1.

Collect SUB.

Downgrade in year 2 to Blue.

Pay $0 AF, collect your SkyMiles, enjoy.

You might also invoke the wrath of the RAT at Amex following that plan.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

BronzeTrader · ‎10-17-2022

@mrcrisp023 wrote:
Hi all,

My surfing of the forums has shows me most saying that the Delta Gold is one of the easier Amex cards to get. As a Delta loyalist, I would prefer a Delta card. I noticed the Delta blue today. It looks like a newer card. Would this card be easier to get since it has less perks? I see some people say all the UW requirements for all revolvers are the same but I don't see how that's possible if it's the same card but with less perks.

Thanks!

In terms of card application, there is no difference of any of most of the credit cards. Charge card is different. Maybe easier since you are expected to pay the balance each month.

The Delta Blue is not a new card. It depends on your travel need to see which card is better for you. You can always upgrade and downgrade card to suit your needs.