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Side-by-side

Delta SkyMiles Reserve Amex vs United Club Business Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureDelta SkyMiles Reserve AmexUnited Club Business Card
Annual fee$650$695
Sign-up bonus100,000 miles100,000 miles + 2,000 PQP
Bonus value (est.)$1,100$1,500
Min spend to unlock bonus-$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorytravelbusiness
Best earning category (Travel)3x1x
Transfer partnersNoneNone
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

Editorial take: Delta SkyMiles Reserve Amex

Only worthwhile if you actually use Delta SkyClubs, the access alone is worth the fee for frequent Delta flyers. The upgraded companion cert (can be used on First/Comfort+) is a big perk over the standard Platinum version.

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 Reserve 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 100,000 miles (~$1,100) on the Delta SkyMiles Reserve Amex.
Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the United Club Business Card?
Premium cards like the Delta SkyMiles Reserve Amex ($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 Club Business Card at $695/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve 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 Reserve Amex or the United Club Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve 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.