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Delta SkyMiles Reserve Business American Express Card vs United Business Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the United Business Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($660 more in estimated value) than the Delta SkyMiles Reserve Business American Express Card's. Get the United Business Card first; revisit the Delta SkyMiles Reserve Business American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardUnited Business Card
Annual fee$650$150
Sign-up bonus125,000 miles100,000 miles + 2,000 PQP
Bonus value (est.)$840$1,500
Min spend to unlock bonus$15,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryairlinebusiness
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • $125 credit after 5 UA flights $100+
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 125,000 miles
Read the full review
United Business Card
$150/yr · 100,000 miles + 2,000 PQP

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: United Business Card

Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or United Business Card?
The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 125,000 miles (~$840) on the Delta SkyMiles Reserve Business American Express Card.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the United Business Card?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The United Business Card at $150/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and United 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 Reserve Business American Express Card or the United Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $15,000 spend in 6 months. United 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.