Side-by-side comparison
Delta Reserve vs United Club
Basics
Annual fee
$650/yr
$525/yr
Rewards type
Delta SkyMiles
United MileagePlus
Annual credits
$360/yr
—
Net cost (fee − credits)
$290/yr
$525/yr
Earning rates
All other spending
1x mi
1x mi
Flights
3x mi
4x mi
Dining
2x mi
2x mi
Groceries
2x mi
—
Travel
—
2x mi
Credits & Benefits
Up to $240 Resy Dining Credit
$240/yr
—
Up to $120 Rideshare Credit
$120/yr
—
Perks & Features
Annual Companion Certificate
✓
—
Delta Sky Club Access
✓
—
First Checked Bag Free
✓
—
Global Entry / TSA PreCheck Credit
✓
✓
United Club Membership
—
✓
First & Second Checked Bag Free
—
✓
Which card should you pick?
After accounting for credits and benefits, the Delta Reserve has a lower net annual cost ($290/yr vs $525/yr for the United Club), making it the more cost-effective choice if you use the credits.
The Delta Reserve stands out with 3x mi on flights, while the United Club leads with 4x mi on flights. Pick the card that matches where you spend the most each month.
The Delta Reserve also offers more perks including Annual Companion Certificate and Delta Sky Club Access.
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