Delta SkyMiles® Gold vs United℠ Business Card
Side-by-side comparison
| Delta SkyMiles® Gold | United℠ Business Card | |
|---|---|---|
| Annual fee | $150 | $150 |
| Welcome offer | 100,000 miles | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 1% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $474 | $570 |
| Points type | Locked to Delta SkyMiles | Locked to United MileagePlus |
| Network | Amex | Visa |
*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 business spending, the Delta SkyMiles® Gold earns about $474 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The Delta SkyMiles® Gold charges $150, but carries about $200 in annual statement credits that offset it for anyone who uses them. The United℠ Business Card charges $150, which you clear through its rewards and perks. The two are effectively tied on value, with the Delta SkyMiles® Gold marginally ahead, mostly because it carries more in annual statement credits. 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℠ Business Card if your spending leans toward office supplies, travel.