United℠ Club vs Delta SkyMiles® Gold
Side-by-side comparison
| United℠ Club | Delta SkyMiles® Gold | |
|---|---|---|
| Annual fee | $695 | $150 |
| Welcome offer | Up to 90,000 bonus miles | |
| Dining | 2x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $340 | $382 |
| Points type | Locked to United MileagePlus | Locked to Delta SkyMiles |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the United℠ Club earns about $340 a year in rewards and the Delta SkyMiles® Gold about $382, valuing every point at a flat 1 cent. The United℠ Club charges $695, but carries about $750 in annual statement credits that offset it for anyone who uses them. The Delta SkyMiles® Gold charges $150, but carries about $200 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Delta SkyMiles® Gold delivers more total value, about $312 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. Note that Delta SkyMiles® Gold is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Club if your spending leans toward travel. Pick the Delta SkyMiles® Gold if your spending leans toward groceries.