Credit Cards » Compare Credit Cards » Delta SkyMiles Blue vs United Gateway: How They Compare?
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Delta SkyMiles Blue vs United Gateway: How They Compare?

The Delta SkyMiles Blue and United Gateway have similar cashback rates and airline perks. Where does each card shine? Here's our comparison
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Delta SkyMiles® Blue American Express and the United Gateway Credit Card are both no-annual-fee airline credit cards issued by Amex and Chase, respectively. Let's compare them side by side to see which is better fro your needs.

General Comparison

Both cards don't charge an annual or foreign transaction fee. Here's a side-by-side comparison of the card's main features:

United Gateway card

Delta SkyMiles® Blue American Express

United Gateway
Delta SkyMiles® Blue
Annual Fee
$0
Rewards
2X per $1 spent on United® purchases, at gas stations and on local transit and commuting and 1X on all other purchases
2X miles for every dollar spent at restaurants worldwide and Delta purchases and 1X miles for every dollar spent on other eligible purchases
Welcome bonus
20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open
10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months
0% Intro APR
12 months on purchases
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.99% – 28.99% variable
20.99%-29.99% Variable
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Airline Miles Rewards Analysis: Which Card Is Better?

In evaluating the points earned for equivalent spending amounts, it becomes evident that the Delta Blue card emerges as the winner. However, it's crucial to note that the variance is marginal and subject to adjustment based on individual spending patterns.

United Gateway card

Delta SkyMiles® Blue American Express

Spend Per Category
United Gateway
Delta SkyMiles® Blue
$10,000 – U.S Supermarkets
10,000 miles
10,000 miles
$4,000 – Restaurants
4,000 miles
8,000 miles
$5,000 – Airline
10,000 miles
10,000 miles
$4,000 – Hotels
4,000 miles
4,000 miles
$4,000 – Gas
8,000 miles
4,000 miles
Total Miles
36,000 miles
36,000 miles
Redemption Value (Estimated)
1 mile = ~1.2 cents
1 mile = ~1.3 cents
Estimated Annual Value
$444
$468

The Delta Blue Card offers versatile redemption options, allowing cardholders to use miles for Delta flights, seat upgrades, hotel stays, car rentals, and merchandise through the Delta SkyMiles program.

book a flight with mile on Delta app
Book a flight with mile on Delta app (Screenshot taken by our team from delta app)

With the United Gateway credit card, you can redeem points for flights on United Airlines or its partners, hotel stays, car rentals, and merchandise.

Book hotel with United Gateway card miles
Book hotel with United Gateway card miles (screenshot taken by our team from United app)

Airline Benefits And Protections: Comparison

Since both cards don't charge an annual fee, the additional benefits of each card are pretty limited – but the United Gateway card is the winner in this category as it offers broader protections:

United Gateway

United Gateway card

  • 25% Back on In-Flight Purchases: You'll get a 25% statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights when you pay with your Explorer Card, saving you money during your travels.
  • Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. This provides primary insurance coverage for theft and collision damage for most rental cars in the U.S. and abroad.
  • Trip Cancellation/Interruption Insurance: You can be reimbursed for pre-paid, non-refundable passenger fares if your trip is canceled or cut short due to covered situations like sickness or severe weather.
  • Trip Delay Reimbursement: If your common carrier travel is delayed over 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging.
  • Visa Concierge: Enjoy complimentary access to Visa Signature® Concierge Service 24/7, helping you find tickets to events, make dinner reservations, and more.
  • Purchase Protection: Provides coverage for new purchases against damage or theft for 120 days.
Delta SkyMiles Blue

Delta SkyMiles® Blue American Express

  • 20% Back on In-flight Purchases: Enjoy a 20% statement credit on eligible Delta in-flight purchases of food and beverages when using the Delta SkyMiles Blue American Express Card.

  • Pay with Miles: Gain flexibility by redeeming miles with “Pay with Miles” on delta.com, allowing you to take up to $50 off the cost of your flight for every 5,000 miles redeemed.

Boeing 777 Delta Airlines flying over the clouds
Boeing 777 Delta Airlines (Photo by Miguel Lagoa/Shutterstock)
  • Car Rental Loss and Damage Insurance: Receive coverage for damage or theft of a rental vehicle in a covered territory when you use the card to reserve and pay for the entire rental, and decline the collision damage waiver at the rental counter.
  • Global Assist® Hotline: Access 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
  • ShopRunner: Enjoy complimentary ShopRunner membership, offering free 2-day shipping and free return shipping on eligible items at 100+ online stores.
  • Purchase Protection: Receive protection for covered purchases from accidental damage or theft for up to 90 days from the purchase date when using the card.
  • Extended Warranty: Extend the warranty on covered purchases by matching the original manufacturer's warranty for up to one additional year when using the card.

Terms apply to American Express benefits and offers.

Get 25% back for United Inflight Purchases
Get 25% back for United Inflight Purchases (Photo by Leonard Zhukovsky/Shutterstock)

When You Might Want The Delta SkyMiles Blue Card?

You might prefer the Delta SkyMiles Blue card in the following situations:

  • Frequent Delta Flyer: Dedicated Delta Airlines travelers may find the SkyMiles Blue card more appealing, as it provides increased mileage earnings on Delta purchases, aligning with the preferences of loyal Delta flyers.

  • Delta Hub Proximity: If you reside near a Delta Air Lines hub, choosing the Delta SkyMiles Blue card could be advantageous. It offers easy access to Delta's extensive network and potential perks specific to their hub locations.

  • You Spend A Lot Of Money On Dining: The Delta SkyMiles Blue Card earns double miles at gas stations, while the United GatewayCard does not.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want The United Gateway Card?

You might prefer the United Gateway card in the following situations:

  • You Want Broader Travel Insurances: The United Gateway Card offers trip delay reimbursement and trip cancellation, which is not available through the Delta SkyMiles Blue card.

  • Proximity to United Hub: If you live near a United Airlines hub and frequently travel from there, the United Gateway card may be preferable as it offers potential perks and convenience specific to United's network.

  • You Spend A Lot Of Money On Gas: The United Gateway Card earns double miles at gas stations, while the Delta SkyMiles Blue Card does not.

Compare The Alternatives

If you're looking for an airline credit card with travel rewards – there are some good alternatives you may want to consider:

united explorer

Delta SkyMiles Gold American Express Card Review

United℠ Explorer Card
Delta SkyMiles® Gold American Express Card
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$95 ($0 first year)
$150, $0 intro first year. (See Rates and Fees.)
$99 (waived for the first 12 months)
Rewards
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
1X – 2X 2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.
40,000 Miles 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0. See Rates and Fees.
$0
Purchase APR
21.99% – 28.99% variable
20.99%-29.99% Variable
21.24% – 29.99% (Variable)

Compare United Gateway Card

The United Gateway and Explorer are two co-branded credit cards offered by Chase in partnership with United Airlines. Here's our winner.

United Gateway vs United Explorer Card: How They Compare?

The AAdvantage MileUp is our winner, especially if you plan to use the card for more categories besides travel. Here's why.

United Gateway Card vs American Airlines AAdvantage MileUp : Comparison

Compare Delta SkyMiles Blue Card

The Delta SkyMiles Gold offers higher annual cashback and better perks than the Delta Blue card. But is it worth the annual fee? It depends.

Delta SkyMiles Blue vs Delta SkyMiles Gold: How They Compare?

Paying an annual fee with higher rewards rate & benefits, or getting a no annual fee card with access to Amex membership? Here's our analysis.

Delta SkyMiles Blue vs AAdvantage Platinum Select: Compare

Both JetBlue and Delta SkyMiles Blue offer basic airline benefits and no annual fee. We think the JetBlue card is a clear winner, here's why.

The JetBlue Card vs Delta SkyMiles Blue Amex: How They Compare?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.