Network

Key Benefits

Pros

• +First checked bag free for you + 8 companions
• +Priority boarding in Main Cabin 1
• +2X miles on Delta, restaurants, and supermarkets
• +No foreign transaction fees
• +20% back on Delta in-flight purchases

• +$0 intro annual fee first year, then $150—reasonable for the benefits
• +Free first checked bag for cardholder and companion saves up to $160 roundtrip
• +2x miles on United, dining, and hotels—solid everyday earning
• +Up to $530+ in annual credits (United travel, hotels, rideshare, Instacart, JSX)
• +2 United Club one-time passes per year worth $100+

Cons

• −$150 annual fee after first year ($0 intro year)
• −No companion certificate included
• −No Delta Sky Club access
• −Only 1X on most purchases
• −SkyMiles have variable redemption value

• −Only 1x miles on non-category spend limits earning potential
• −Best credits require hitting $10K-$20K spend thresholds
• −No United Club membership—just 2 single-use passes
• −Priority boarding is Group 2, not as early as premium cards
• −Miles locked to United MileagePlus with limited transfer flexibility

Network

Key Benefits

Pros

• +First checked bag free for you + 8 companions
• +Priority boarding in Main Cabin 1
• +2X miles on Delta, restaurants, and supermarkets
• +No foreign transaction fees
• +20% back on Delta in-flight purchases

• +$0 intro annual fee first year, then $150—reasonable for the benefits
• +Free first checked bag for cardholder and companion saves up to $160 roundtrip
• +2x miles on United, dining, and hotels—solid everyday earning
• +Up to $530+ in annual credits (United travel, hotels, rideshare, Instacart, JSX)
• +2 United Club one-time passes per year worth $100+

Cons

• −$150 annual fee after first year ($0 intro year)
• −No companion certificate included
• −No Delta Sky Club access
• −Only 1X on most purchases
• −SkyMiles have variable redemption value

• −Only 1x miles on non-category spend limits earning potential
• −Best credits require hitting $10K-$20K spend thresholds
• −No United Club membership—just 2 single-use passes
• −Priority boarding is Group 2, not as early as premium cards
• −Miles locked to United MileagePlus with limited transfer flexibility

Network

Key Benefits

Pros

• +First checked bag free for you + 8 companions
• +Priority boarding in Main Cabin 1
• +2X miles on Delta, restaurants, and supermarkets
• +No foreign transaction fees
• +20% back on Delta in-flight purchases

• +$0 intro annual fee first year, then $150—reasonable for the benefits
• +Free first checked bag for cardholder and companion saves up to $160 roundtrip
• +2x miles on United, dining, and hotels—solid everyday earning
• +Up to $530+ in annual credits (United travel, hotels, rideshare, Instacart, JSX)
• +2 United Club one-time passes per year worth $100+

Cons

• −$150 annual fee after first year ($0 intro year)
• −No companion certificate included
• −No Delta Sky Club access
• −Only 1X on most purchases
• −SkyMiles have variable redemption value

• −Only 1x miles on non-category spend limits earning potential
• −Best credits require hitting $10K-$20K spend thresholds
• −No United Club membership—just 2 single-use passes
• −Priority boarding is Group 2, not as early as premium cards
• −Miles locked to United MileagePlus with limited transfer flexibility