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United Club Business Card vs Delta SkyMiles Gold American Express Card

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Delta SkyMiles Gold American Express Card from American Express 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 Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($540 more in estimated value) than the Delta SkyMiles Gold American Express Card's. Get the United Club Business Card first; revisit the Delta SkyMiles Gold American Express Card after you've earned that bonus.

FeatureUnited Club Business CardDelta SkyMiles Gold American Express Card
Annual fee$695$150
Sign-up bonus100,000 miles + 2,000 PQP80,000 bonus miles
Bonus value (est.)$1,500$960
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 partnersNoneNone
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 · 100,000 miles + 2,000 PQP
Read the full review
Delta SkyMiles Gold American Express Card
$150/yr · 80,000 bonus 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 American Express Card

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 American Express Card?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 80,000 bonus miles (~$960) on the Delta SkyMiles Gold American Express Card.
Is the United Club Business Card's $695 annual fee worth it compared to the Delta SkyMiles Gold American Express Card?
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 American Express Card at $150/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Delta SkyMiles Gold American Express Card?
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 American Express Card 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 American Express Card: $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.