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CardCurator — Rewards Intelligence
Card Comparison

Delta SkyMiles Reserve Business Card vs United Club℠ Infinite 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 Club℠ Infinite Card card art
United MileagePlus
United Club℠ Infinite Card
Chase
More Info
Annual Fee
$650/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
125,000 points
Spend $15,000 in 6 months
90,000 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 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
  • Statement Credit $10
  • Statement Credit $20
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
  • Delta Sky Club Access
  • First Checked Bag Free
  • Priority Boarding
  • +2 more
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 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 Club℠ Infinite Card

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

Delta SkyMiles Reserve Business Card has no dining bonus; United Club℠ Infinite 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 Club℠ Infinite Card offers 90,000 pts signup bonus (spend $5,000 in 3 months). Delta SkyMiles Reserve Business Card has the larger bonus.

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 Club℠ Infinite 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 Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.