Delta SkyMiles® Gold American Express Card or Chase United Club?
Chase United Club returns $119 over its fee and Delta SkyMiles® Gold American Express Card returns $50, so the fee difference comes down to which categories you use.
| CATEGORY | DELTA SKYMILES® GOLD AMERICAN EXPRESS CARD | UNITED CLUB |
|---|---|---|
| 🌎Travel | $100 | $400 |
| 🍽️Food & Dining | — | $240 |
| 🚗Transportation | — | $144 |
| Lounge Access | — | |
| Total credits | $100 | $814 |
| Annual fee | $150 | $695 |
| Net value | -$50 | +$119 |
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 here and nothing on the Delta SkyMiles® Gold American Express Card.
Frequently asked questions
Which is better, Delta SkyMiles® Gold American Express Card or Chase United Club?
The Chase United Club is better with $119 net annual value compared to the Delta SkyMiles® Gold American Express Card at -$50. The Chase United Club wins by $169/year.
What's the difference between Delta SkyMiles® Gold American Express Card and Chase United Club?
The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while Delta SkyMiles® Gold American Express Card has a $150 annual fee and $100 in annual benefits. The annual fee difference is $545.
Which has a lower annual fee, Delta SkyMiles® Gold American Express Card or Chase United Club?
The Delta SkyMiles® Gold American Express Card has a lower annual fee at $150 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.
Is the Chase United Club worth it compared to the Delta SkyMiles® Gold American Express Card?
Yes, the Chase United Club offers better value with $119 net annual value compared to -$50 for the Delta SkyMiles® Gold American Express Card. Even though it has a higher annual fee ($695 vs $150), the Chase United Club provides more total benefits.
Amex vs Chase: which issuer is better?
For these specific cards, Chase's Chase United Club offers better value with $119 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Chase United Club is better for travel with $400 in annual travel benefits compared to $100 for the Delta SkyMiles® Gold American Express Card.
Should I get the Chase United Club?
If you're deciding between the Delta SkyMiles® Gold American Express Card and Chase United Club, the Chase United Club is the better choice with $119 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.