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CardCurator — Rewards Intelligence
Card Comparison

Delta SkyMiles Reserve Business Card vs United℠ Business Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Delta SkyMiles Reserve Business Card card art
Delta SkyMiles
Delta SkyMiles Reserve Business Card
American Express
More Info
United℠ Business Card card art
United MileagePlus
United℠ Business Card
Chase
More Info
Annual Fee
$650/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
125,000 points
Spend $15,000 in 6 months
100,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Delta Purchases 3x
  • Transit/Rideshares 1.5x
  • U.S. Shipping Providers 1.5x
  • United Purchases 2x
  • Dining 2x
  • Gas Stations 2x
Reward Type
miles
miles
Key Credits
  • Statement Credit $10
  • Statement Credit $20
None
Card Perks
  • Delta Sky Club Access
  • First Checked Bag Free
  • Priority Boarding
  • +2 more
  • Two United Club One-Time Passes (~$100/yr)
  • Free First Checked Bag (~$160/yr)
  • Priority Boarding
  • +2 more
Spend Milestones
  • Unlimited Delta Sky Club Access
    After $75,000 spend
No milestones
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Delta SkyMiles Reserve Business Card vs United℠ Business Card

Is the Delta SkyMiles Reserve Business Card or United℠ Business Card better for dining?

Delta SkyMiles Reserve Business Card has no dining bonus; United℠ Business Card earns 2x on dining.

Which has the higher signup bonus in 2026?

Delta SkyMiles Reserve Business Card currently offers 125,000 pts signup bonus (spend $15,000 in 6 months). United℠ Business Card offers 100,000 pts signup bonus (spend $5,000 in 3 months). Both bonuses are roughly equal in value.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Delta SkyMiles Reserve Business Card and the United℠ Business Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Delta SkyMiles Reserve Business Card is from American Express and United℠ Business Card is from Chase, so they're governed by separate bank policies.