Delta SkyMiles® Gold Business vs United℠ Business Card
Side-by-side comparison
| Delta SkyMiles® Gold Business | United℠ Business Card | |
|---|---|---|
| Annual fee | $150 | $150 |
| Welcome offer | 100,000 miles | |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $654 | $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 August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Delta SkyMiles® Gold Business | United℠ Business Card |
|---|---|---|
| Welcome bonus | 90,000 miles | 100,000 miles |
| To earn it | $6,000 in 6 months | $5,000 in 3 months |
| Est. first-year value* | $1,404 | $1,420 |
| Est. ongoing value / yr* | $504 | $420 |
This one splits by time horizon. In year one the United℠ Business Card is ahead by roughly $16, thanks largely to its welcome offer. But the Delta SkyMiles® Gold Business earns more every year after, so if you keep it, it overtakes the United℠ Business Card after about 1 year. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the United℠ Business Card. Planning to keep it for years? The Delta SkyMiles® Gold Business pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Delta SkyMiles® Gold Business | United℠ Business Card |
|---|---|---|
| Lounge access | None | Yes — United Club |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, only the United℠ Business Card gets you into airport lounges. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of business spending, the Delta SkyMiles® Gold Business earns about $654 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The Delta SkyMiles® Gold Business charges $150, which you clear through its rewards and perks. The United℠ Business Card charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Delta SkyMiles® Gold Business delivers more total value, about $84 a year more for a typical spender, mostly because it earns more where you spend most, on advertising and shipping. 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 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® Gold Business if your spending leans toward advertising, shipping. Pick the United℠ Business Card if your spending leans toward office supplies.