United℠ Business Card
vs. Delta SkyMiles® Gold Business American Express Card

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Updated: March 29, 2024

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Both the United℠ Business Card and Delta SkyMiles® Gold Business American Express Card are ideal credit cards for frequent business travelers seeking an option that excludes foreign transaction fees.

However, the most suitable option will depend on your needs. The United℠ Business Card, for instance, gives you various luxury benefits and a $100 credit if you purchase at least seven flights costing over $100 per year. Meanwhile, the Delta SkyMiles® Gold Business American Express Card gives you a $100 credit once you spend $10,000 in a calendar year.

Comparison Overview: United℠ Business Card vs. Delta SkyMiles® Gold Business American Express Card

  • United℠ Business Card
    Delta SkyMiles® Gold Business American Express Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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United℠ Business Card At a Glance

The United℠ Business Card credit card provides various perks, including 25% cash back on in-flight purchases and a $100 United travel credit. In addition to having no foreign transaction fees, the card comes with perks applicable in more than 1,000 luxury resorts and hotels around the globe, such as complimentary breakfast, room upgrades and early check-in. However, you will pay an annual fee of $99.


  • United℠ Business Card

    Solid travel card for United fans


    • 1–2 Miles per $1*Rewards Rate
    • 21.99% – 28.99% VariableAPR
    • $0 introductory annual fee for the first year, then $99.Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • Generous bonus miles offer
    • Bonus miles during card anniversary
    • 2x miles on diverse categories
    • With travel perks

    Cons

    • High variable APR
    • Travel-focused benefits only
    • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $99.
    • Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
    • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
    • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
    • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
    • Member FDIC
    • Regular APR between 21.99% and 28.99% (variable)
    United℠ Business Card

Delta SkyMiles® Gold Business American Express Card At a Glance

The Delta SkyMiles® Gold Business American Express Card is best suited for personal and business travelers who spend regularly at restaurants and on advertising and shipping. Cardholders can earn a $100 Delta flight credit after spending $10,000 each calendar year, as well as 55,000 miles for spending at least $2,000 on purchases within the first three months. The card offers purchase protection, various insurance options and no annual fee in the first year.


  • Delta SkyMiles® Gold Business American Express Card

    Great rewards for Delta loyalists


    • 1–2 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $0 introductory annual fee for the first year, then $150Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • With welcome bonus offer
    • Get discounts and perks from Delta
    • No foreign transaction fees
    • No annual fee for first year

    Cons

    • Rewards have caps and categories
    • With annual fee after first year
    • Rewards can be complicated
    • Earn 75,000 Bonus Miles after spending $6,000 on purchases within the card's first six months. Offer ends on July 17, 2024.
    • Earn 2 miles per dollar on purchases made directly with Delta and at restaurants.
    • Earn 2 miles per dollar on purchases at U.S. shipping providers and providers for advertising in select media, up to $50,000 per category annually.
    • Earn 1 mile per dollar on all other eligible purchases.
    • Your first checked bag comes free, and you can enjoy Zone 5 priority boarding on Delta flights.
    • Enjoy 20% savings on eligible in-flight purchases with Delta, which comes in the form of statement credits.
    • If you book Delta flights through delta.com or the Fly Delta app using miles, you can save 15% on Award Travel. This discount does not apply to partner-operated flights, taxes and fees.
    • Earn a $200 Delta Flight Credit for future travel after spending $10,000 on purchases in a year.
    • Earn an annual statement credit of up to $150 after booking prepaid hotels or vacation rentals through Delta Stays using your Delta Gold Business American Express Card.
    • There's no annual fee for the first year. Afterward, the annual fee is $150. See rates and fees.
    • No foreign transaction fees. See rates and fees.
    • Terms and conditions apply.
    • See rates and fees.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Delta SkyMiles® Gold Business American Express Card

Comparison Summary

You can use the table below to compare and contrast the most notable features of the United℠ Business Card and Delta SkyMiles® Gold Business American Express Card.

Card Detail
Comparison Summary

Travel Coverage and Purchase Protection

Both cards have travel assistance and purchase protection, including rental car insurance and lost luggage reimbursement. With the Delta SkyMiles® Gold Business American Express Card, you will get reimbursed up to $1,250 for carry-on bags and $500 for checked luggage.

However, United℠ Business Card reimburses up to $3,000 per person and provides additional insurance plans for trip interruption and cancellation as well as trip and baggage delays. Cardholders also enjoy complimentary concierge services 24 hours a day.

Winner: United℠ Business Card

Welcome Bonus

Both American Express and Chase offer a welcome bonus to new cardholders. United℠ Business Card holders can earn 75,000 miles if they spend $5,000 on purchases in the first three months.

American Express Delta SkyMiles Gold Business card holders get 55,000 miles for spending $4,000 on purchases in the first six months.

Winner: United℠ Business Card

Annual Fee

United℠ Business Card comes with a $99 annual fee.

With the Delta SkyMiles® Gold Business American Express Card, you pay no annual fee the first year, then $99 per year after that.

Winner: Delta SkyMiles® Gold Business American Express Card

Rewards and Benefits

Delta SkyMiles® Gold Business American Express Cardholders earn unlimited miles. These include 2X miles on every dollar spent on purchases made directly with Delta, advertising in selected U.S. media, U.S. shipping purchases and dining at restaurants. Additionally, cardholders earn 1X miles on each dollar spent on purchases. These miles can only be used for flights, merchandise, gift cards and seat upgrades but cannot be redeemed for hotels or car rentals.

United℠ Business Cardholders earn 2X miles on purchases from United, including flight tickets and in-flight food, beverages and internet. They also earn 2X miles on dining, gas stations, office supplies and commuting, plus 1X miles on other purchases.

Winner: Tie

Travel Credit

The United℠ Business Card allows you to earn a $100 United travel credit after completing seven United flights costing at least $100 each year. You also get 25% back on United in-flight purchases.

With the Delta SkyMiles® Gold Business American Express Card, you will get a $100 credit after spending $10,000 on purchases in one calendar year, plus 20% savings on in-flight purchases in the form of a statement credit.

Winner: United℠ Business Card

Which Card Should You Get?

Before choosing either the United℠ Business Card or American Express Delta SkyMiles Gold Business card, you should first consider your credit card needs. The better option will depend on those essential features you’re looking for in a credit card.

Who Should Consider the United℠ Business Card?

United℠ Business Card is among the top credit cards for business travelers seeking to earn miles on their travel that don’t expire. The card is a great fit for anyone looking to earn rewards on business expenses, without a large annual fee.

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    Small business owners with fair credit would greatly benefit from the card’s rewards program by earning bonuses on expenses like office supplies, gas stations, internet services and flight tickets.

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    Frequent travelers can save hundreds of dollars over time since the card doesn’t have foreign transaction fees and offers in-flight savings.

Who Should Consider the Delta SkyMiles® Gold Business American Express Card?

The Delta SkyMiles® Gold Business American Express Card is ideal for frequent flyers and business owners seeking to earn loyalty status for using their card. The card has a lot to offer to routine users, including a valuable welcome offer, no annual fees in the first year and no foreign transaction fees.

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    Individuals and businesses that regularly use credit cards to pay for online advertising, dining or domestic shipping.

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    Small business owners who want to give their employees a company credit card without paying an annual fee — you can even set up spending limits and earn miles on what your employees spend.

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EXPERT OPINION

These cards are closely similar, so the best of the two cards solely depends on your home airport and airline of preference. For example, if you’re a small business owner in Atlanta, the Delta Gold Business card will likely be the better fit. In addition, be sure to analyze the different spending categories of both cards to see which one would earn you the most miles.

Other Helpful Decision-Making FAQs

Selecting the best credit card for your needs can be overwhelming. You can use MoneyGeek’s responses to these commonly asked questions to help you compare the United℠ Business Card and the American Express Delta SkyMiles Gold Business card and make the right choice for you.

Is the United℠ Business Card better than the Delta SkyMiles® Gold Business American Express Card?
Can you get the United℠ Business Card if you have an Delta SkyMiles® Gold Business American Express Card?
Can you transfer points from United℠ Business Card to Delta SkyMiles® Gold Business American Express Card?
Can you switch from the United℠ Business Card to the Delta SkyMiles® Gold Business American Express Card?
What’s harder to get, the United℠ Business Card or Delta SkyMiles® Gold Business American Express Card?
How much do you have to spend for the United℠ Business Card vs. Delta SkyMiles® Gold Business American Express Card to get the welcome bonus?

Still Not Sure About These Cards? Consider These Options

Both the United℠ Business Card and Delta SkyMiles® Gold Business American Express Card offer excellent options for small business owners. But if you’re interested in cards that provide more benefits, you may consider other rewards cards.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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