Is the United℠ Business Card better than the Delta SkyMiles® Gold Business American Express Card?

Choosing the right card for you will depend on your needs and how you intend to use it. Both cards let you earn rewards on business expenses. However, if you want to maximize in-flight savings or need an option that offers luxury benefits such as concierge services, the United℠ Business Card is the better choice.

Can you get the United℠ Business Card if you have an Delta SkyMiles® Gold Business American Express Card?

Yes, you can apply and get both cards if you think doing so would be in your best interest.

Can you transfer points from United℠ Business Card to Delta SkyMiles® Gold Business American Express Card?

You can’t transfer points from the United℠ Business Card to American Express Delta SkyMiles Gold Business card.

Can you switch from the United℠ Business Card to the Delta SkyMiles® Gold Business American Express Card?

Yes, you can easily switch from the United℠ Business Card to an American Express Delta SkyMiles Gold Business card anytime since different issuers offer the two cards.

United℠ Business Card vs. Delta SkyMiles® Gold Business American Express Card: Which Is Best for You?

Q: What’s harder to get, the United℠ Business Card or Delta SkyMiles® Gold Business American Express Card?

It’s relatively easy to get both cards. However, the approval process will depend on whether you meet the qualifications, including a good credit score. Luckily, you do not need to worry about the 5/24 rule with the Delta SkyMiles® Gold Business American Express Card, which only applies to Chase Bank credit card applications.

Q: 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?

United℠ Business Cardholders get a welcome bonus of 75,000 miles if they spend $5,000 on purchases within the first three months. By contrast, American Express Delta SkyMiles Gold Business cardholders receive 50,000 bonus miles plus a $50 statement credit for spending $2,000 within the first three months of opening the account.

If you’re a business owner who wants a credit card that earns points from your expenses, getting the United℠ Business Card or Delta SkyMiles® Gold Business American Express Card could be a good decision. MoneyGeek compared the two credit cards to help you make an informed decision about which is more suitable for your needs.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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.

OUR COMPARISON AT A GLANCE

Comparison Overview
United℠ Business Card at a Glance
Delta SkyMiles® Gold Business American Express Card at a Glance
Comparison Summary
Which Card Should You Get?

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
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent
Good–Excellent

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
- 21.74% – 28.74% VariableAPR
- $99Annual Fee
- Good–ExcellentRecommended Credit
Pros
Generous welcome offer
Rewards on business categories
Travel perks and protections
No foreign transaction fees

Cons
Annual fee
No intro APR offers
Earn 2X miles on United Airlines purchases, and at gas stations and restaurants, as well as on office supplies, local transit and commuting expenses
Earn 1X miles on everything else
Earn 50,000 bonus miles after spending $5,000 in the first three months
Annual fee of $99 ($0 first year)
Free checked bag for you and a companion on United flights
Receive two annual passes to the United Club lounge each year
Earn a $100 statement credit after making seven United Airlines purchases of at least $100 in a year
Earn 5,000 bonus miles each year that you also have an open personal United credit card
Travel protections: trip cancellation insurance, trip delay insurance, lost and delayed baggage insurance, travel accident insurance, auto rental collision damage waiver and roadside assistance
Receive perks during stays at Luxury Hotel and Resort Collection properties
Free employee cards
No foreign transaction fees
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

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 50,000 miles and a $50 statement credit 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
- $99Annual Fee
- Good–ExcellentRecommended Credit
Pros
Delta flight perks
Low annual fee
Travel protections
No foreign transaction fees

Cons
Relatively low reward value
No award chart
Harder to earn status
Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2X on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
Earn 2X on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1X miles on all other spending
Annual fee: $99 ($0 intro annual fee for the first year) (See rates and fees)
Redeem miles for airfare, car rental, hotels, merchandise and more, plus potential upgrades and one-way fares available
No foreign transaction fee (See rates and fees)
Free employee cards (See rates and fees)
Free checked bag on Delta flights, priority boarding and 20% off in-flight purchases
Save 15% on Delta-operated flights when you redeem your miles,
Receive a $100 Delta Flight Credit after spending $10,000 in a calendar year
Travel accident insurance, car rental insurance, roadside assistance (Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
Extended warranty and purchase protection
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

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 50,000 miles and a $50 statement credit for spending $2,000 on purchases in the first three months. Winner: Delta SkyMiles® Gold Business American Express 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.

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.
Frequent travelers can save hundreds of dollars over time since the card doesn’t have foreign transaction fees and offers in-flight savings.
≫ More: Read Our Full Review

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.

Individuals and businesses that regularly use credit cards to pay for online advertising, dining or domestic shipping.
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.
≫ More: Read Our Full Review

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.

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.

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sources

American Express. "Delta SkyMiles Gold Business American Express Card." Accessed January 4, 2022.
Chase Bank. "United Business Credit Card: Airline Rewards." Accessed January 4, 2022.

*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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