Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Delta SkyMiles Gold American Express Card $150/yr, United Quest Card $350/yr. Strongest bonus categories: Delta SkyMiles Gold American Express Card on dining, United Quest Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Delta SkyMiles Gold American Express Card | United Quest Card |
|---|---|---|
| Dining | 2X | 2X |
| Grocery Stores | 2X |
The United Quest Card wins in 2 of 3 categories. The Delta SkyMiles Gold American Express Card leads in 1. 1 more category depend on booking channel or caps.
Grocery Stores
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Streaming
United Quest Card earns 2X vs 1X
Travel
United Quest Card earns 2X vs 1X
Hotels
Depends: via Chase Travel
United Quest Card earns 5X when conditions are met; Delta SkyMiles Gold American Express Card earns 1X (1X without restrictions)
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Delta SkyMiles Gold American Express Card | United Quest Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $187 Credits (our usable estimate): $182 |
Close — depends on how much of the credits you use
Published annual fees: Delta SkyMiles Gold American Express Card $150/yr, United Quest Card $350/yr — a $200 difference before welcome offers and credits.
| 1X |
| Streaming | 1X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Rewards: $180 Credits (our usable estimate): $397 − Annual fee ($350) Ongoing: $227 Year one: $947 |
| Close — depends on how much of the credits you use |
| United Quest Card |
| Heavy spender: $4,000/month | Rewards: $749 Credits (our usable estimate): $182 − Annual fee ($150) Ongoing: $781 Year one: $931 | Rewards: $720 Credits (our usable estimate): $397 − Annual fee ($350) Ongoing: $767 Year one: $1,487 | Close — depends on how much of the credits you use | United Quest Card |
The United Quest Card costs $350/yr — that's $200 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The United Quest Card includes travel credits, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $200 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $200 fee gap means the United Quest Card needs roughly $200 more in annual rewards (or credits you will use) to break even on hotels and dining and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Gold American Express Card means losing:
Get the Delta SkyMiles Gold American Express Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
