Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs Delta SkyMiles Gold American Express Card
Both are well-respected travel cards. The United Club Infinite 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
If you're not sure you'll use premium perks, start with the Delta SkyMiles Gold American Express Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | United Club Infinite Card | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Annual fee | $695 | $150 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 80,000 bonus miles |
| Bonus value (est.) | $1,120 | $960 |
| Min spend to unlock bonus | $5,000 in 3 mo | $3,000 in 6 mo |
| Issuer | Chase | American Express |
| Card category | travel | airline |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
Delta SkyMiles Gold American Express Card
$150/yr · 80,000 bonus miles
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 Infinite Card or Delta SkyMiles Gold American Express Card?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 80,000 bonus miles (~$960) on the Delta SkyMiles Gold American Express Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Delta SkyMiles Gold American Express Card?
- Premium cards like the United Club Infinite 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 Infinite 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 Infinite 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 Infinite 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.