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.
Both cards cost $350/yr. The Delta SkyMiles Platinum American Express Card leads on hotels; the United Quest Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Delta SkyMiles Platinum American Express Card | United Quest Card |
|---|---|---|
| Hotels | 3X | 1X |
| Dining | 2X |
The United Quest Card wins in 2 of 3 categories. The Delta SkyMiles Platinum American Express Card leads in 1. 1 more category depend on booking channel or caps.
Hotels
Depends: via Chase Travel
United Quest Card earns 5X when conditions are met; Delta SkyMiles Platinum American Express Card earns 3X (3X without restrictions)
Grocery Stores
Delta SkyMiles Platinum American Express Card earns 2X vs 1X
Streaming
United Quest Card earns 2X vs 1X
Travel
United Quest Card earns 2X vs 1X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Delta SkyMiles Platinum American Express Card | United Quest Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month |
Modeled value is close across spend levels — especially once statement credits are counted.
| 2X |
| Grocery Stores | 2X | 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 |
| United Quest Card |
| United Quest Card |
| Heavy spender: $4,000/month | Rewards: $749 Credits (our usable estimate): $172 − Annual fee ($350) Ongoing: $571 Year one: $571 | 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 |
Get the Delta SkyMiles Platinum 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.
