Delta SkyMiles® Reserve Business vs United Club℠ Business Card
Side-by-side comparison
| Delta SkyMiles® Reserve Business | United Club℠ Business Card | |
|---|---|---|
| Annual fee | $550 | $695 |
| Welcome offer | 110,000 miles | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 3% | 2% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $546 | $699 |
| 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® Reserve Business earns about $546 a year in rewards and the United Club℠ Business Card about $699, valuing every point at a flat 1 cent. The Delta SkyMiles® Reserve Business charges $550, which you clear through its rewards and perks. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the United Club℠ Business Card delivers more total value, about $8 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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® Reserve Business 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 Delta SkyMiles® Reserve Business if your spending leans toward travel. Pick the United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies.