Both are well-respected travel cards. The Delta SkyMiles Platinum Business American Express Card comes from American Express at $350/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.
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.
| Feature | Delta SkyMiles Platinum Business American Express Card | United Club Business Card |
|---|---|---|
| Annual fee | $350 | $695 |
| Sign-up bonus | 85,000 miles | 75,000 miles |
| Bonus value (est.) | $1,020 | $1,050 |
| Min spend to unlock bonus | $6,000 in 6 mo | $5,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | airline | business |
| Best earning category (Delta) | 3x | 1x |
| Transfer partners | skymiles | mileageplus |
| Headline benefits |
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Strong middle-tier Delta card. The annual companion certificate alone covers the $350 fee for any couple flying domestic. Sky Club access at member rate is also better than nothing.
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.
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.
