Delta SkyMiles Reserve Business American Express Card vs United Business Card: which one fits your business?
Side-by-side comparison of Delta SkyMiles Reserve Business American Express Card and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Business Card wins on our scorecard (7.4/10 vs 7.2/10).
| Scored on | Delta SkyMiles Reserve Business American Express Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 5 | 8 |
| Customer support | 7 | 6 |
| Features | 9 | 7 |
| Annual Fee | $650 | $99 ($0 first year) |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | 21.49% - 28.49% variable |
| Late Payment Fee | Up to $40 | Up to $40 |
Delta SkyMiles Reserve Business American Express Card in one paragraph
A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Skip it if: Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.
Read the full Delta SkyMiles Reserve Business American Express Card review
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
Frequently asked questions
Which is better, Delta SkyMiles Reserve Business American Express Card or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.4/10 vs 7.2/10). A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Who should skip Delta SkyMiles Reserve Business American Express Card?
Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.