CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Delta SkyMiles Gold American Express Card ($150/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Delta SkyMiles Gold American Express Card | United Quest Card |
|---|---|---|
| United Airlines | 1X |
The United Quest Card wins in 4 of 7 categories. The Delta SkyMiles Gold American Express Card leads in 3.
Delta Purchases
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Delta Airlines
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Grocery Stores
Delta SkyMiles Gold American Express Card earns 2X vs 1X
United Purchases
United Quest Card earns 3X vs 1X
United Airlines
United Quest Card earns 3X vs 1X
Streaming
United Quest Card earns 2X vs 1X
Travel
United Quest Card earns 2X vs 1X
The United Quest Card costs $300/yr — that's $150 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.
The Delta SkyMiles Gold American Express Card has a lower annual fee ($150 vs $300), making it the more accessible option.
The United Quest Card justifies its higher fee with premium perks like travel credits.
Choose the Delta SkyMiles Gold American Express Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Delta SkyMiles Gold American Express Card ($150/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Delta SkyMiles Gold American Express Card | United Quest Card |
|---|---|---|
| United Airlines | 1X |
The United Quest Card wins in 4 of 7 categories. The Delta SkyMiles Gold American Express Card leads in 3.
Delta Purchases
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Delta Airlines
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Grocery Stores
Delta SkyMiles Gold American Express Card earns 2X vs 1X
United Purchases
United Quest Card earns 3X vs 1X
United Airlines
United Quest Card earns 3X vs 1X
Streaming
United Quest Card earns 2X vs 1X
Travel
United Quest Card earns 2X vs 1X
The United Quest Card costs $300/yr — that's $150 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.
The Delta SkyMiles Gold American Express Card has a lower annual fee ($150 vs $300), making it the more accessible option.
The United Quest Card justifies its higher fee with premium perks like travel credits.
Choose the Delta SkyMiles Gold American Express Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Delta SkyMiles Gold American Express Card ($150/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Delta SkyMiles Gold American Express Card | United Quest Card |
|---|---|---|
| United Airlines | 1X |
The United Quest Card wins in 4 of 7 categories. The Delta SkyMiles Gold American Express Card leads in 3.
Delta Purchases
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Delta Airlines
Delta SkyMiles Gold American Express Card earns 2X vs 1X
Grocery Stores
Delta SkyMiles Gold American Express Card earns 2X vs 1X
United Purchases
United Quest Card earns 3X vs 1X
United Airlines
United Quest Card earns 3X vs 1X
Streaming
United Quest Card earns 2X vs 1X
Travel
United Quest Card earns 2X vs 1X
The United Quest Card costs $300/yr — that's $150 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.
The Delta SkyMiles Gold American Express Card has a lower annual fee ($150 vs $300), making it the more accessible option.
The United Quest Card justifies its higher fee with premium perks like travel credits.
Choose the Delta SkyMiles Gold American Express Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| United Purchases | 1X | 3X |
| Delta Airlines | 2X | 1X |
| Delta Purchases | 2X | 1X |
| Dining | 2X | 2X |
| Grocery Stores | 2X | 1X |
| Streaming | 1X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Bottom line: The $150 difference is moderate. If you spend consistently on united purchases and united airlines, the United Quest Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing United Quest Card means losing:
Get the Delta SkyMiles Gold American Express Card if you:
Get the United Quest Card if you:
| United Purchases | 1X | 3X |
| Delta Airlines | 2X | 1X |
| Delta Purchases | 2X | 1X |
| Dining | 2X | 2X |
| Grocery Stores | 2X | 1X |
| Streaming | 1X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Bottom line: The $150 difference is moderate. If you spend consistently on united purchases and united airlines, the United Quest Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing United Quest Card means losing:
Get the Delta SkyMiles Gold American Express Card if you:
Get the United Quest Card if you:
| United Purchases | 1X | 3X |
| Delta Airlines | 2X | 1X |
| Delta Purchases | 2X | 1X |
| Dining | 2X | 2X |
| Grocery Stores | 2X | 1X |
| Streaming | 1X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Bottom line: The $150 difference is moderate. If you spend consistently on united purchases and united airlines, the United Quest Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing United Quest Card means losing:
Get the Delta SkyMiles Gold American Express Card if you:
Get the United Quest Card if you:
