Delta SkyMiles® Gold American Express Card or United Club Business Card?
United Club Business Card returns $169 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 BUSINESS CARD |
|---|---|---|
| 🌎Travel | $100 | $450 |
| 🍽️Food & Dining | — | $240 |
| 🚗Transportation | — | $144 |
| Lounge Access | — | |
| Total credits | $100 | $864 |
| Annual fee | $150 | $695 |
| Net value | -$50 | +$169 |
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 United Club Business Card?
The United Club Business Card is better with $169 net annual value compared to the Delta SkyMiles® Gold American Express Card at -$50. The United Club Business Card wins by $219/year.
What's the difference between Delta SkyMiles® Gold American Express Card and United Club Business Card?
The key differences: United Club Business Card has a $695 annual fee and $864 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 United Club Business Card?
The Delta SkyMiles® Gold American Express Card has a lower annual fee at $150 compared to the United Club Business Card at $695. However, the United Club Business Card offers $864 in total annual benefits.
Is the United Club Business Card worth it compared to the Delta SkyMiles® Gold American Express Card?
Yes, the United Club Business Card offers better value with $169 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 United Club Business Card provides more total benefits.
Amex vs Chase: which issuer is better?
For these specific cards, Chase's United Club Business Card offers better value with $169 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The United Club Business Card is better for travel with $450 in annual travel benefits compared to $100 for the Delta SkyMiles® Gold American Express Card.
Should I get the United Club Business Card?
If you're deciding between the Delta SkyMiles® Gold American Express Card and United Club Business Card, the United Club Business Card is the better choice with $169 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.