Editorial take: Delta SkyMiles Platinum Amex
The companion certificate alone usually covers the annual fee on a single trip. If you fly Delta domestically at least once a year with a partner, this is worth it.
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Side-by-side
Delta SkyMiles Platinum Amex vs United Club Business Card
Both are well-respected travel cards. The Delta SkyMiles Platinum Amex comes from American Express at $350/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($510 more in estimated value) than the Delta SkyMiles Platinum Amex's. Get the United Club Business Card first; revisit the Delta SkyMiles Platinum Amex after you've earned that bonus.
| Feature | Delta SkyMiles Platinum Amex | United Club Business Card |
|---|---|---|
| Annual fee | $350 | $695 |
| Sign-up bonus | 90,000 miles | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $990 | $1,500 |
| Min spend to unlock bonus | - | $5,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | business |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Delta SkyMiles Platinum Amex
$350/yr · 90,000 miles
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Amex or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 90,000 miles (~$990) on the Delta SkyMiles Platinum Amex.
- Is the Delta SkyMiles Platinum Amex's $350 annual fee worth it compared to the United Club Business Card?
- At $350/yr, the Delta SkyMiles Platinum Amex is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Business Card's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Platinum Amex and United Club Business Card?
- Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Delta SkyMiles Platinum Amex or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Amex: no published min spend. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.