Compare the Features and Benefits of United℠ Business Card and
Delta SkyMiles® Gold American Express Card

If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first. Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.

The annual fee is waived for the first year, but will cost $99 every year thereafter. Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $100 United credit after purchasing seven United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.

Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn up to 1,000 Premier Qualifying Points every year. Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 1,000 PQPs per year.

If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.

We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.

Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders. Currently, cardholders can register for one year complimentary DashPass benefits from DoorDash. This perk gets you unlimited deliveries on orders of $12 or greater with no delivery fee and lower service fees overall.

The Delta SkyMiles Gold American Express Card charges a $0 introductory annual fee (then $150) and presents many ways for Delta Air Lines flyers to save money — whether they’re booking their flight with SkyMiles or are already in the air.

You’ll earn credit card rewards accordingly: 2x Delta miles on restaurants, at U.S. supermarkets and on eligible Delta purchases, plus 1x miles on other eligible purchases. Finally, if you manage to spend $10,000 or more on the card in a calendar year, a $100 Delta flight credit will be awarded to your account every year.

When it comes time to redeem SkyMiles, Delta Gold cardholders can save 15% off the sticker price for award flights. This benefit is automatically applied when you’re logged into your SkyMiles account on the Delta website or Fly Delta app and the flight is wholly operated by Delta.

Delta offers an impressive route network whether you want to fly within the U.S. or abroad, so you should find plenty of ways to redeem SkyMiles. Some of our favorite deals include Delta’s flash sales, where you can find domestic one-way tickets for as low as 3,500 SkyMiles.

Once you’re at the airport, you can enjoy a free checked bag and Main Cabin 1 priority boarding when flying Delta. Then, in the air, you can save 20% on inflight purchases, applied as a statement credit to your account.

If you’re not a frequent Delta flyer and are looking for even more options with your credit card rewards, consider opening a card that earns transferable rewards instead like Amex Membership Rewards points that transfer instantly to Delta SkyMiles. Not to be confused with the Delta SkyMiles Gold Amex Card, the Amex Gold Card earns Membership Rewards points but does not include benefits like the free checked bag.

Rates and Fees for the Delta SkyMiles® Gold American Express Card