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Delta SkyMiles Reserve Business American Express Card vs United Club Business Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/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

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.

FeatureDelta SkyMiles Reserve Business American Express CardUnited Club Business Card
Annual fee$650$695
Sign-up bonus100,000 miles75,000 miles
Bonus value (est.)$1,200$1,050
Min spend to unlock bonus$8,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryairlinebusiness
Best earning category (Delta)3x1x
Transfer partnersskymilesmileageplus
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 100,000 miles
Read the full review
United Club Business Card
$695/yr · 75,000 miles

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

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 Reserve Business American Express Card or United Club Business Card?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus — 100,000 miles, worth roughly $1,200, versus 75,000 miles (~$1,050) on the United Club Business Card.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the United Club Business Card?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The United Club Business Card at $695/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business 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 Reserve Business 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 Reserve Business American Express Card: $8,000 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.