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United Club Business Card vs Delta SkyMiles Gold Amex

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Delta SkyMiles Gold Amex from American Express at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Delta SkyMiles Gold Amex — its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureUnited Club Business CardDelta SkyMiles Gold Amex
Annual fee$695$150
Sign-up bonus75,000 miles70,000 miles
Bonus value (est.)$1,050$840
Min spend to unlock bonus$5,000 in 3 mo$3,000 in 6 mo
IssuerChaseAmerican Express
Card categorybusinessairline
Best earning category (United)2x1x
Transfer partnersmileageplusNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • Free first checked bag
  • $200 Delta flight credit
  • Priority boarding
  • 2x on restaurants & groceries
Read the full review
United Club Business Card
$695/yr · 75,000 miles
Read the full review
Delta SkyMiles Gold Amex
$150/yr · 70,000 miles

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.

Editorial take: Delta SkyMiles Gold Amex

A good choice for Delta loyalists. The free checked bag and $200 flight credit easily offset the $150 annual fee if you fly Delta a few times a year.

Common questions

Which card has the bigger sign-up bonus, United Club Business Card or Delta SkyMiles Gold Amex?
The United Club Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, versus 70,000 miles (~$840) on the Delta SkyMiles Gold Amex.
Is the United Club Business Card's $695 annual fee worth it compared to the Delta SkyMiles Gold Amex?
Premium cards like the United Club Business Card ($695/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Delta SkyMiles Gold Amex at $150/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Delta SkyMiles Gold Amex?
Yes, since they're from different issuers (Chase and American Express) 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 United Club Business Card or the Delta SkyMiles Gold Amex first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. Delta SkyMiles Gold Amex: $3,000 in 6 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.