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 (7.3/10 vs 7.2/10).
| Scored on | Delta SkyMiles Reserve Business American Express Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 5 | 7 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $650 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Additional Employee Cards | $0 | — |
| Employee Card Fee | — | $0 |
| Purchase APR | — | 21.49% - 28.49% variable |
Delta SkyMiles Reserve Business American Express Card in one paragraph
The ultimate status-accelerator for Delta loyalists who can justify the $650 fee through the Companion Certificate and lounge access.
Skip it if: You don't fly Delta at least 5-6 times a year or you prefer simple cash-back rewards.
Read the full Delta SkyMiles Reserve Business American Express Card review
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
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 (7.3/10 vs 7.2/10). A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Who should skip Delta SkyMiles Reserve Business American Express Card?
You don't fly Delta at least 5-6 times a year or you prefer simple cash-back rewards.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.