Delta vs. United vs. American: Which Premium Airline Card Is Right for You? Delta vs. United vs. American: Which Premium Airline Card Is Right for You?

Delta vs. United vs. American: Which Premium Airline Card Is Right for You?

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Even if you fly just a few times each year, co-branded airline credit cards can provide benefits that make it easy to justify paying an annual fee. For many travelers, paying a sub-$100 annual fee to get a free first checked bag and other savings makes a lot of sense.

Premium airline rewards credit cards take this a step further with benefits that make it feel like you have top-tier elite status. In this post, we break down the welcome offers, earning potential, and feature benefits for the premium Delta, American, and United credit cards.

Hopefully, comparing the major similarities and differences among these premium airline credit cards can help you decide which is right for you.

Overview of the Best Premium Airline Credit Cards

With the constant changes to premium co-branded cards, picking the best one can be challenging. There’s a significant overlap between premium card perks and benefits, and comparing these airline credit cards reveals more similarities than differences. However, individual benefits vary and can significantly impact which card will provide the best long-term value.

We’ve compiled a summary of each card in the table below, followed by a deeper analysis of key features. We'll cover lounge access policies, free checked baggage, travel protection benefits, and perks to elevate your travel experience with each airline.

Benefits The New United Club℠ Card (Rates & Fees)Citi® / AAdvantage® Executive World Elite Mastercard®Delta SkyMiles® Reserve American Express Card
Annual Fee$695$595$650 (Rates & Fees)
Authorized User Fee$0$175 for the first three authorized users, then $175 each$175 (Rates & Fees)
Welcome OfferLimited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.For a limited time, earn 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening.Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Bonus Earnings Toward Elite StatusEarn 1 PQP for every $15 spent (up to 28,000 PQP spent in a calendar year) 10,000 Loyalty Points boost after earning 50,000 Loyalty Points in a single year, and another 10,000 after earning 90,000 LP.• 2,500 MQDs head start each year
• 1 MQD for every $10 spent on the card each year
Category Bonus• 4x miles on United purchases
• 2x miles on dining
• 2x miles on all other travel
• 1x on all other purchases
• 10x at aa.com/hotels and aa.com/cars
• 4x on American flights (plus, after you've spent $150,000 on eligible purchases, earn 5x on AA purchases through the end of that calendar year)
• 1x on all other purchases
• 3x on Delta purchases
• 1x on other eligible purchases
Lounge Access• United Club (1 adult and dependent children under 18 years of age)
(Authorized users do not get their own membership)
• Admirals Club (+ 2 guests or immediate family) (AU cardholders also get access via their own membership)• Delta Sky Club® & international partner lounges when traveling on a same-day Delta-marketed/operated flight
• 4X one-time guest passes for complimentary access to the Delta Sky Club
• The Centurion Lounge - When flying a same-day Delta-marketed/operated flight paid for with a U.S.-issued American Express rewards Card

Reserve Card members get 15 Delta Sky Club visits yearly. Spend $75,000+ on the card in a calendar year for unlimited visits - Learn more.)
Elite Status• Avis President’s Club membership
• IHG Rewards Platinum Elite status
N/AHertz President's Circle Status
Free Checked Bags• 2 each for you and a companion on the same ticket
• Ticket must be purchased using this card to qualify for the benefit
• Free first checked bag for cardholder and up to 8 companions
• Adding your AAdvantage number to the reservation triggers the benefit
• 1 each for you and up to 8 companions on the same ticket
• Adding your SkyMiles number to the reservation triggers the benefit
Companion Flight TicketN/AN/A• Domestic, Caribbean, or Central American round-trip companion certificate each year in First Class, Delta Comfort+® or Main Cabin upon renewal of your Card
• Pay just taxes and fees of between $22 and $250 (for itineraries with up to four flight segments)
In-Flight Benefits• 25% back (as a statement credit) on food, beverage and Wi-Fi purchases on board United- and United Express-operated flights• 25% off in-flight purchases on AA domestic flights, which comes as a statement credit
• Applies to food and beverage purchases only, not Wi-Fi
• 20% discount on pre-purchased meals and in-flight purchases of food, alcoholic beverages and audio headsets
• Comes as a statement credit
• Does not apply to WiFi purchases
Global Entry/TSA PreCheck CreditEvery 4 yearsEvery 4 years• Every 4 years for Global Entry
• Every 4.5 years for TSA PreCheck
Trip Delay• 12 hours
• $500
• 6 hours
• $500
• 6 hours
• $500
Baggage Delay• 6 hours
• $100 day up to 3 days
N/AN/A
Auto Rental CDWPrimary coverage and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.Secondary in the U.S., primary outside the U.S. for up to $75K Secondary up to $75K
Additional Perks & Benefits• Expanded award availability
• Premier Access (priority airport services)
• Close-in award fees waived
• Complimentary Premier Upgrades on award tickets
•Instacart+ Membership
• Various statement credits including rideshare, rental cars, and Instacart+


• Priority check-in, airport screening, and early boarding
• Up to $120 in annual credits with Avis and Budget on prepaid rentals
• Up to $120 in annual Lyft credits
• Up to $120 in annual Grubhub credits
• Priority boarding
• Up to $200 Delta Stays credit annually
• Up to $120 Rideshare credit annually
• Up to $240 Resy credit annually

*Enrollment is required for select Amex benefits.

Delta SkyMiles® Reserve American Express Card

Welcome offer

As Delta's top-tier consumer card, the Delta SkyMiles® Reserve American Express Card often has welcome offers to match. New applicants can earn 100,000 bonus miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Compared to other premium airline credit cards, the Delta Reserve has the most varied offer history. If you are planning to use this card's benefits right away, you will earn more bonus points with this recently increased offer.

Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Apply Now
Rates & Fees
(Terms apply)
Delta SkyMiles® Reserve American Express Card
Annual Fee$650
Welcome Offer Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
The Delta SkyMiles® Reserve American Express Card is the best option if you want elite level benefits without holding the status required. The standout feature is complimentary Delta Sky Club® access with 15 visits per year effective from 2/1/25 (unlimited visits with $75,000 spend), providing a relaxing space before flights. Cardholders can earn 1 MQD per $10 of eligible purchases charged to the Delta Reserve. Additionally, there's a complimentary Domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year upon card renewal. Other benefits include 15% off when booking Award Travel on Delta, a credit for Global Entry or TSA PreCheck® fees, a free first checked bag on Delta flights, access to complimentary upgrades, and 20% back on in-flight purchases. Enrollment required for select American Express benefits.
  • Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • Rates & Fees
  • 3X miles per dollar spent on purchases made directly with Delta
  • 1X miles on every eligible dollar spent on purchases.

Earning potential and bonus categories

If you frequently book travel on Delta, few cards offer more rewards for doing so than the Delta Reserve. However, that's about the extent of what the card earns miles handsomely on. You'll earn Delta SkyMiles on purchases as follows:

  • 3X miles per dollar spent on purchases made directly with Delta
  • 1X miles on every eligible dollar spent on purchases.

Feature benefits and lounge access perks

Amex recently refreshed the benefits of the Delta Reserve. Cardholders receive complimentary access to the Delta Sky Club® when traveling same-day on Delta, plus, you receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.

(Reserve Card members get 15 Delta Sky Club visits yearly. Spend $75,000+ in purchases on the card for unlimited visits in a calendar year – Learn more about Delta's status changes for 2024/2025.)

the front entrance to access the Delta Sky Club in Tokyo's Haneda airport
Credit: Delta

You also receive a Delta Companion Certificate each year you renew the card. The certificate is valid for Delta First Class, Comfort+, or Main Cabin flights to to Hawaii, Alaska, Mexico, the Caribbean, Central America, and the continental United States. All you'll pay is the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). 

Plus, you'll get a free checked bag and priority boarding. These benefits also extend to up to 8 companions flying on the same itinerary. And, if something goes wrong, Amex recently added a new trip delay policy to this card that kicks in after a delay of only 6 hours.

And as part of the recent changes, American Express added $560 worth of annual statement credits to the card:

  • Up to $240 Resy credit (available as $20 per month)
  • Up to $120 rideshare credit (available as $10 per month)
  • Up to $200 Delta Stays credit

Enrollment is required for select Amex benefits.

The New United Club℠ Card

Welcome offer

Netting a sign-up bonus on The New United Club℠ Card is a great way to earn a lot of MileagePlus miles. Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

The New United Club℠ Card
The New United Club℠ Card
Annual Fee$695
Welcome Bonus Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
The United Club is the top-tier United co-brand card, and offers some great perks like United Club℠ membership, priority check-in, security screening (where available), boarding and baggage handling privileges. If your not an elite, holding this card means you'll be treated like one of United's most loyal and valuable customers. If you already hold MileagePlus Premier status, the card also grants access to Complementary Premier Upgrades on United flights.
  • Limited-Time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
  • Member FDIC
  • Rates & Fees
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining
  • Earn 1 mile per $1 spent on all other purchases

Earning potential and bonus categories

If you book a lot of United flights, the United Club is the card to have. It also offers bonus points on all travel purchases, including those from other airlines.

  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining
  • Earn 1 mile per $1 spent on all other purchases

Feature benefits and lounge access perks

The feature benefit of the United Club is United Club lounge access for the primary cardholder, plus two adults or one adult and dependent children under 21 years of age. United charges up to $750 for an annual United Club membership, so you are essentially getting a discounted lounge membership in addition to all the other perks and benefits, not to mention the signup bonus.

Other notable benefits include:

  • Free first and second checked bags
  • Earn up to 28,000 Premier Qualifying Points per calendar year (1 PQP for every $15 you spend on purchases)
  • Global Entry, NEXUS, or TSA PreCheck credit
  • Complimentary upgrades on award tickets
  • 10% United Economy Saver Award discount within the continental U.S. and Canada — on top of expanded award inventory

You won’t pay a fee to add any additional cardholders, but they won’t get lounge access unless they are traveling with the primary cardholder. The United Club offers some great travel protection benefits for a co-brand card, including trip delay reimbursement, primary rental car insurance, and baggage delay coverage.

The entrance to the United Club at San Diego (SAN).
The United Club at San Diego (SAN). Credit: United

Citi® / AAdvantage® Executive World Elite Mastercard®

Welcome offer

As a new applicant for the Citi® / AAdvantage® Executive World Elite Mastercard®, you can earn 70,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening. It's a helpful bonus if you want to stock up on valuable miles.

While it may not routinely be the biggest-looking welcome offer of all three cards, American hasn't devalued its miles to the extent United and Delta have — and continue to do.

Citi® / AAdvantage® Executive World Elite Mastercard®
Citi® / AAdvantage® Executive World Elite Mastercard®
Annual Fee$595
Welcome Offer For a limited time, earn 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening.
The AA Executive Card is by far the most cost effective way to gain access to American Airlines Admirals Club® lounges. Even better, you can extend the benefit to authorized users (for a fee), and this card offers a free checked bag, on domestic AA flights, priority checkin and boarding, and a credit for Global Entry or TSA PreCheck.
  • Complimentary Admirals Club® membership for the primary cardholder
  • Admirals Club® membership for authorized user accounts
  • First checked bag free on domestic AA flights for you and up to 8 companions
  • Priority check-in, TSA screening lines, and boarding
  • 10,000 bonus Loyalty Points after you spend $40,000 in purchases within the year
  • Global Entry or TSA PreCheck credit
  • No Foreign Transaction Fees
  • Earn 10X miles for every $1 spent on eligible hotels booked at aa.com/hotels and eligible rental cars booked through aa.com/cars
  • Earn 4X miles for every $1 spent on eligible American Airlines purchases (increased to 5X miles through the end of the calendar year after you pass $150,000 in purchases annually)
  • Earn 1X mile for every $1 spent on all other purchases

Earning potential and bonus categories

The earning rates on the AA Executive Card are average in comparison to other airline cards. However, if you're serious about collecting AA miles, leveraging its 10X and 4X categories can help you pad your balance quickly. Here's a look at the card's earning rates:

  • Earn 10X miles for every $1 spent on eligible hotels booked at aa.com/hotels and eligible rental cars booked through aa.com/cars
  • Earn 4X miles for every $1 spent on eligible American Airlines purchases (increased to 5X miles through the end of the calendar year after you pass $150,000 in purchases annually)
  • Earn 1X mile for every $1 spent on all other purchases

Feature benefits and lounge access perks

Similar to the cards above, the flagship benefit of the AA Executive Card is the complimentary Admirals Club membership you receive for holding the $595 annual fee card.

American charges up to $850 a year for Admirals Club membership if you don’t hold elite status, so obtaining it via the AA Executive Card offers a huge discount over purchasing an annual membership.

A unique benefit of this card is that authorized user accounts also gain Admirals Club access! However, there is a cost for this: $175 for the first three authorized users, then $175 each.

You’ll also get a free checked bag for the primary cardholder and up to eight companions traveling on the same ticket, 25% off in-flight purchases, priority check-in, airport screening, early boarding, and a Global Entry or TSA PreCheck credit. And on purchases made abroad, you'll pay no foreign transaction fees.

DCA Admirals Club entrance
Ronald Reagan Washington National Airport (DCA) Admirals Club. Credit: American Airlines

Head-To-Head Comparison of Premium Airline Credit Cards

If you're deciding between two premium airline credit cards, choose the one associated with the carrier you fly the most. But if you fly two airlines with the same frequency or are looking for a new airline of choice, here's a look at the main differentiating factor of each card in a head-to-head format.

AA Executive Card vs. United Club

Torn between the AA Executive Card and the United Club? Of the two, the United Club stands out for its stronger overall travel protection benefits. It offers primary rental car insurance, baggage delay coverage, and trip delay reimbursement, which makes it more valuable for road warriors. And remember, these airline-related benefits apply when you fly more than just United, provided you use the card to pay for your trip.

The AA Executive Card‘s offerings are more minimal. You'll enjoy secondary auto rental coverage and trip delay insurance but won't have access to a baggage delay benefit.

The New United Club℠ Card
The New United Club℠ Card
Annual Fee$695
Welcome Bonus Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
The United Club is the top-tier United co-brand card, and offers some great perks like United Club℠ membership, priority check-in, security screening (where available), boarding and baggage handling privileges. If your not an elite, holding this card means you'll be treated like one of United's most loyal and valuable customers. If you already hold MileagePlus Premier status, the card also grants access to Complementary Premier Upgrades on United flights.
  • Limited-Time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
  • Member FDIC
  • Rates & Fees
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining
  • Earn 1 mile per $1 spent on all other purchases

Delta Reserve vs. AA Executive Card

The AA Executive Card and the Delta Reserve are two very different cards. However, one thing that is a clear differentiator between the cards is that the Delta Reserve offers a companion certificate and the AA Executive Card does not.

If you travel with a companion regularly, you may find a lot of value in using your companion certificate every year. Depending on the flight you book, it's possible to save hundreds of dollars on a given Delta itinerary. While other pros might tip the scales in favor of the AA Executive Card, the lack of a companion certificate is one of the most glaring differences.

Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Apply Now
Rates & Fees
(Terms apply)
Delta SkyMiles® Reserve American Express Card
Annual Fee$650
Welcome Offer Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
The Delta SkyMiles® Reserve American Express Card is the best option if you want elite level benefits without holding the status required. The standout feature is complimentary Delta Sky Club® access with 15 visits per year effective from 2/1/25 (unlimited visits with $75,000 spend), providing a relaxing space before flights. Cardholders can earn 1 MQD per $10 of eligible purchases charged to the Delta Reserve. Additionally, there's a complimentary Domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year upon card renewal. Other benefits include 15% off when booking Award Travel on Delta, a credit for Global Entry or TSA PreCheck® fees, a free first checked bag on Delta flights, access to complimentary upgrades, and 20% back on in-flight purchases. Enrollment required for select American Express benefits.
  • Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • Rates & Fees
  • 3X miles per dollar spent on purchases made directly with Delta
  • 1X miles on every eligible dollar spent on purchases.

United Club vs. Delta Reserve

On balance, the United Club is far more action-packed than the Delta Reserve. You get to check more bags for free with United's premium card, enjoy elite status in two brands (IHG and Avis) compared to just one with Delta (Hertz), and get a bigger discount on in-flight purchases. However, the biggest distinction between the two cards is the earning rates.

With the United Club, you can earn bonus miles on United purchases, dining, and all other travel. With the Delta Reserve, you can earn bonus miles on Delta purchases. Thus, if you plan to use your premium airline card for more than just purchases with the airline whose logo is on the front, you'll be better off applying for the United Club.

The New United Club℠ Card
The New United Club℠ Card
Annual Fee$695
Welcome Bonus Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
The United Club is the top-tier United co-brand card, and offers some great perks like United Club℠ membership, priority check-in, security screening (where available), boarding and baggage handling privileges. If your not an elite, holding this card means you'll be treated like one of United's most loyal and valuable customers. If you already hold MileagePlus Premier status, the card also grants access to Complementary Premier Upgrades on United flights.
  • Limited-Time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
  • Member FDIC
  • Rates & Fees
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining
  • Earn 1 mile per $1 spent on all other purchases

Final Thoughts

Due to the high annual fees on premium airline cards, you also need to make the most of big-ticket benefits like lounge access and free checked bags to justify keeping the card year after year. If you fly a legacy carrier more than a few times a year and can take full advantage of the benefits on offer, any of these three cards can provide outsized value.

This comparison evaluated numerous similarities and differences among premium airline credit cards. Our winner is the United Club, but make sure to do the math to ensure it's a good fit for you.

For rates and fees of the cards mentioned in this post, please visit the following links: Delta SkyMiles® Reserve American Express Card (Rates & Fees), and The New United Club℠ Card (Rates & Fees)

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Comments

  • Thanks for such a thorough comparison. You’ve convinced me! I’m opening a new united card now.

  • Great comparison of the three premium high fee cards. All things equal they only make sense if you fly one of the airlines a lot.

  • I wonder while Delta does not offer the benefits offered by other AMEX cards.

  • UA Card must be my best choice. It’s have 100K miles. That’s can be allow me go to somewhere with business class. Don’t it?

    • Yes. 100k isn’t enough for a round trip on some of the longer international flights in business class. But this is a one-way anywhere, and a round trip to closer destinations.

  • Bad idea to apply so expensive card as Covid-19 . May be next year or COVID-19 has gone I will be apply.

  • Clara Tsai says:

    I like the American Airlines card the most as it is the airline I use the most in North America.

  • Antony Tsai says:

    The United card seems to be the best of the ones shown. The problem with travel restrictions it’s difficult to meet the minimum spend requirement to earn the 100000 bonus miles.

  • The Star Alliance lounge access is pretty unique for the United card. I’m surprised that benefit doesn’t get more coverage. (Whereas the AUs on the AA card gets tons of coverage.)

  • I think the MileagePlus card is the most rewarding product.

  • Great comparison. Too bad the AA card has removed so many extras.

  • Good info! I’ll check into each of these a little more once travel starts to open up a bit more.

  • Nice comparison. I’d love to also see a more comprehensive article – updated regularly given how often airline alliances change – comparing the various ways to get airline lounge access, airline status (whether earned, via credit cards, or via status matches), and free checked bags.

  • Good comparison. For me, the first thing I would look for is which airline is the one that I would use the most.

  • The Skymiles program is simply the least competitive among the big 3.

  • Until last month he used Santander Aadvantage; but they are no longer partners. Unfortunately there are few possibilities to accumulate miles with credit cards in Argentina.

  • Just paid the annual fee on my Admirals Club card. It is still the most useful for me since I find American works the best for my travel patterns. I did just get an email saying there was going to be a 225 statement credit on the card since they acknowledge that we can’t use the Admirals club so often. So that makes it much more palatable to keep.

  • Probably one of the best posts I have seen. Such good info. Bookmarked!

  • I do not fly enough to justify the cost of one or more premium airline reward cards. I have the $95 version of AA, DL, and UA to covered checked bags.
    I charge everything else to my CSR.

  • I think United is the winner here.

  • Of course it depends on which airline you fly and other aspects. The big advantage of the AA card is that any authorized user has access to the lounge. I have given one to all my adult children. That makes the cost much less when you divide it over many trusted people.

    The Amex Delta Card is very tempting with the companion first class ticket and access to Centurian lounges but I rarely fly Delta any longer but could fly at least once a year with that benefit. It is the only card that can really pay for itself.

  • Good write-up. As one of the other posters said, sure miss those AMEX SPG transfers.

  • Very good comparison, but I think I’m just going to sit tight for now and see how my planned international travels play out.
    Let’s hope that after this next election whichever way it goes, all this bickering will quit and we can just enjoy travels internationally.
    I’m ready to turn another page in my travel book ?

  • hoping to see a premium card for Southwest next. Alaska/Jetblue are both way behind on this as well.

  • That expanded award inventory and primary rental insurance on the United card are both great, but even then it’s hard to justify the annual fees on these when so many of the benefits can be replicated with other better or cheaper cards!

  • onlyozzy says:

    I miss the AMEX Starwood SPG. That had the best transfer options and conditions. Whoever launches a product close to that will attract a huge customer base.

  • Harvey Kwan says:

    Taking a break from opening cards because of COVID.

  • Good analysis but I’m waiting to see how the airline situation plays out before go with any more cards with them.

  • I liked the Citi Executive Mastercard when it had a 100000 mile signup bonus. That was so sweet!

  • Juan Ignacio says:

    In my opinion the best card is the UA, interesting benefits on Hertz.

  • Nice comparison. Hope we see airlines back up and running to take advantage of these benefits.

  • The AA card only makes sense if you need Admirals Club access. The other benefits seem to be the same as their standard cards with a much lower fee.

  • 12 hour trip delay on the United card? For that AF it really should be 6. For me this list is a no-brainer as I live at a United hub. I’m still not sure this card is for me but glad to see Club access is given to an adult and dependant children under 21.

  • Can I get the bonus on this new card if I already have the United Explorer personal card?

  • Seems pretty silly to get a travel card when people are barely allowed to leave the house for the foreseeable future

  • Useful article and table for anyone looking for a new premium card. I would be interested in a side by side comparison that includes other premium travel cards even if they’re not specifically airline cards. Many of the benefits and fee structures seem pretty comparable between the 3 cards mentioned in the article and other cards like the Amex Platinum, Chase Sapphire Reserve, Citi Prestige, etc..

  • Airline mileage is really devaluating more and more. Need to rethink when applying

    • Very good comparison, current situation will probably hold back people from signing into any new airline cards. At least this card gives 2 miles per dollar for dining.

  • Any good recommendation on good cash back credit card?

  • I am a current MP Club Card holder and have two questions; first and most important, how does this compare to my current United MP Club Card and second, is there a reason to switch (if so, how) as it would be silly to hold both?

    Thanks

  • if the offers last for a while they may be worth considering but not right now.

  • A write-up on the BA card will be very much appreciated as well.

  • Will be interesting to see how things shake out months/year from now, post COVID-19.

  • Thanks for the detailed info! I am most interested in the Delta card.

    • Hold on people, these premium card offers will soon look like peanuts compared to what is going to be available out there.

      • @Pete – Good point! I would certainly expect to see some of the “highest ever” LTO offers (ex. DL) be extended, at the very least. Or better still, as you point out, perhaps be improved… 100k AA Exec, I’m looking for a return from you!

  • The United card needs to add an EQD/EQM waiver, otherwise it is no match against the Citi and Amex cards.

  • Should be useful in the future

  • I like benefits from all of the cards. I just didn’t understand why on the higher cards AA and UA didn’t give extra miles for groceries but the card lower did. UA fixed that but AA is behind. Yes the access to their club is good but I guess Citi wants you to have at least two of their cards so you can benefit from 2x miles on something other than AA flights?
    I do like the new benefits of the UA card and makes it a contender in my book.

  • I have had the AAdvantage Executive card for several years. I really like the fact that I can give my family member AdmiralsClub access by giving them an authorized user card. I understand you can have 9 free authorized users. Of course, you do have to trust them with a credit card.

  • Great article, Jess! Some questions about these cards include:

    • Elite Status with Airlines—Do any of these cards offer automatic actual airlines elite status automatically, and not just “access”? The previous United Club card (Visa Signature version) awarded cardholders Premier Access benefits, but not an actual elite status.

    • Elite Status with Partners—Other than Hertz President’s Circle Membership shown in the “Elite Status” benefits row for the new United Infinite card, do any of these cards offer elite status with any airlines partners, like the Hyatt Discoverist status once offered by the previous United Club card (Visa Signature version)?

    • Annual Travel Credit—Do any of these cards have travel or airlines credit for cardholders, like other credit cards that charge higher premium fees?

    • Authorized Users—Are there fees for additional cards for authorized users? Which benefits are given to authorized users, including TSA/Global Entry application reimbursement and annual travel credit (if any)?

    • EDQ/EQM Waiver—After changing its elite status qualification requirements in 2019, United allows Chase United MileagePlus Cardmembers to earn PQPs through spending on specific cards.  (See https://mileageplusupdates.com/mileageplus/english/qualification/#accordion-united-mileageplus-chase-cardmembers and https://www.united.com/ual/en/us/fly/mileageplus/premier/qualify.html) Can this change be reflected in your table, and how does the United Club card compare to the other premium airlines cards while considering this change?

    • 1. Elite Status – No, none of the cards offer elite status outright. But the Delta card comes with 20K MQMs as part of the bonus + the ability to earn more by reaching spending thresholds. Silver status is 25K MQMs, so you’d be close as long as you hit the MQD requirements. This post should help. https://awardwallet.com/blog/delta-medallion-status/
      2. I don’t know of any other statuses.
      3. No Travel credits.
      4. Authorized User fees are in the table in this post. I’m not sure if the AU also gets their own TSA/Global Entry
      5. Great suggestion. We’ll look into adding some updates on United elite status.

      • Chad Young says:

        I have the old Chase Continental Presidential Plus Mastercard that is now co-branded as United, but I guess is no longer offered. For me, the qualification miles are a big deal as I’ve had to use them several times in past Decembers to obtain the next “level” of status prior to year’s end…typically platinum.

        I get 1000 qualification miles for every $5000 spent on my current card…I put everything on the card, recurring bills (home security, cell, cable/internet, etc.) all the way down to a soda at the gas station, and just pay off those charges monthly to not incur interest, but pay for all without having to go to individual pay sites and/or my bank’s “bill pay” site.

        As a previous commenter said, travel is reduced this year, so qualification miles are even more important for me…100,000 miles is nice; however, I typically travel for work, so I’m not purchasing my own flights with the my card to get the 4x mileage benefit with this new card. Plus, my current card gives me the 2x on travel for my other travel expenses (hotel, car rental, etc.) – same as this new card. Furthermore, my annual fee is less, and I get very similar frequent flyer perks – which I end up already receiving due to my FF status. The one difference with FF status though – my current card gives me essentially the same lounge access and associated benefits as this new card would.

        Personally, I think this new card probably replaces my current Presidential Card sans the qualification miles and dupes you into thinking its a good deal with the one-time 100K miles. To me, this new card “hits” you long term with a higher annual fee and no longer provides a way to get qualification miles as a means for United to reduce those with FF status. This way other “real” FFs that spend actual United airline $$$ on actual United (and partner) flights can better benefit from those perks of first class upgrades, etc., without having to compete with those who “buy their way to status” using the card benefit of qualification miles at the top tiers (like me! LOL!!). As an example, remember when lounges were almost empty, or for sure, had space to choose where you wanted to sit?!?! Look at ’em now…I’m sure FFers are feel the same way…I remember when platinum would almost guarantee a domestic first class upgrade on “less traveled” days (i.e., middle of the week, Saturday, etc.), now you have to have 1K status, and that might not still be enough…

        HOWEVER, I can only use qualification miles to get up to platinum status, and I still have to fly enough to be within around 10K or less miles of reaching platinum status for me to use my accrued qualification miles for that year…hope all that made sense.

        • Hey Chad, thanks for sharing this. I agree 100% that you are better off with the Presidential Plus card. I was unaware of the 1,000 Qualification Miles awarded per $5,000 spent on the card—that isn’t even listed on the Chase website. definitely stick with your current card. It’s too bad this benefit isn’t available on any of the cards open to new applicants.

        • You have a really good legacy card but none of us have access to that. The old Club card didn’t offer any status miles so it’s not a loss to us in the new Club card for it not offering qualification miles either.

  • ron_vaughn@hotmail.com says:

    Not so sure on the timing of this article. Maybe for future reference?

    • My thought as well, Ron. I personally won’t be flying as much for several months due to current circumstances so I cant make use for many of these cards’ benefits. I’m not even sure I could meet the minimum spend on them either.

      P.S. (for AwardWallet) — I’m not sure “wear” is the word you intended to use in this sentence; typo perhaps?: “While the 60,000 mile bonus on the AA Executive Card card doesn’t provide the same value as the 100K offers on the Delta and United cards, you only wear a $450 annual fee for this card.”

  • The United Infinite card is very strong. For a similar annual fee as the Delta Reserve, I find the Infinite to be much stronger.