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Card vs Card Comparison

Amex Delta SkyMiles Reserve
vs
United Club Infinite.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

American Express

Amex Delta SkyMiles Reserve

Annual fee

$650

Points

Delta SkyMiles

Signup bonus

60K + 10K MQM after $6K in 6 months

Earning highlights

  • →3× on Delta flights
  • →1× on everything else (weakest)

Perks highlights

  • →Delta Sky Club + Centurion Lounge access (when flying Delta)
  • →Companion certificate annually (domestic First Class)
  • →Reserve MQM boost
  • →First checked bag free
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Chase

United Club Infinite

Annual fee

$695

Points

United MileagePlus

Signup bonus

80K miles after $5K in 3 months

Earning highlights

  • →4× on United purchases
  • →2× on travel + dining
  • →1× everywhere else

Perks highlights

  • →United Club lounge membership
  • →Premier Access boarding + checked bag
  • →Global Entry / TSA PreCheck credit
  • →25% off in-flight purchases
  • →Hertz President's Circle status
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The verdict

When each card wins.

Amex Delta SkyMiles Reserve wins if

Delta loyalists. Companion cert + Sky Club access pay back the AF easily on one trip.

Weakness: 1× baseline earn is genuinely poor. Only valuable if Delta is your dominant airline.

United Club Infinite wins if

Heavy United flyers who'd buy a Club membership separately ($650/year retail).

Weakness: Lounge benefit makes/breaks the value; if you don't use United Clubs, the AF doesn't pencil.

At a glance

Side-by-side spec sheet.

SpecAmex Delta SkyMiles ReserveUnited Club Infinite
Annual fee$650$695
Points currencyDelta SkyMilesUnited MileagePlus
Top earning rate3× on Delta flights4× on United purchases
Signup bonus60K + 10K MQM80K miles

Questions

Frequently asked.

Should I get the Amex Delta SkyMiles Reserve or the United Club Infinite?

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Amex Delta SkyMiles Reserve wins if delta loyalists. companion cert + sky club access pay back the af easily on one trip. United Club Infinite wins if heavy united flyers who'd buy a club membership separately ($650/year retail).

Can I have both the Amex Delta SkyMiles Reserve and the United Club Infinite?

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Yes — these are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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United Club Infinite has the higher annual fee ($695 vs $650). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Amex Delta SkyMiles Reserve more valuable than points from United Club Infinite?

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Amex Delta SkyMiles Reserve earns Delta SkyMiles; United Club Infinite earns United MileagePlus. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.