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Side-by-side

Delta SkyMiles Blue American Express Card vs United Club Business Card

Both are well-respected travel cards. The Delta SkyMiles Blue American Express Card comes from American Express at $0/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 ($1,390 more in estimated value) than the Delta SkyMiles Blue American Express Card's. Get the United Club Business Card first; revisit the Delta SkyMiles Blue American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Blue American Express CardUnited Club Business Card
Annual fee$0$695
Sign-up bonus10,000 Delta SkyMiles100,000 miles + 2,000 PQP
Bonus value (est.)$110$1,500
Min spend to unlock bonus$1,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorytravelbusiness
Best earning category (Delta)2x1x
Transfer partnersdelta-skymilesNone
Headline benefits
  • $0 annual fee
  • 2X Delta + 2X restaurants
  • 20% off Delta in-flight
  • No foreign transaction fees
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Delta SkyMiles Blue American Express Card
$0/yr · 10,000 Delta SkyMiles
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

Editorial take: Delta SkyMiles Blue American Express Card

The entry-level Delta card with no annual fee. Useful for keeping SkyMiles alive at $0/year and locking in 20% off in-flight Delta purchases plus no FX fees. For anyone flying Delta even one round trip a year, the $150 Gold's first-bag-free benefit usually justifies the upgrade.

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 Blue American Express Card 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 10,000 Delta SkyMiles (~$110) on the Delta SkyMiles Blue American Express Card.
Is the Delta SkyMiles Blue American Express Card's $0 annual fee worth it compared to the United Club Business Card?
The Delta SkyMiles Blue American Express Card has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue American Express Card.
Can I have both the Delta SkyMiles Blue American Express Card 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 Blue American Express Card or the United Club Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue American Express Card: $1,000 spend in 6 months. 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.