Chase United Club Card vs Delta SkyMiles Reserve
Neither card is worth it by default. The fee is fixed; the value is not. Below is what each issuer actually promises, split into value that arrives on its own, value you have to chase, and value you have to earn.
| Measure | Chase United Club Card | Delta SkyMiles Reserve |
|---|---|---|
| Annual fee | $695 | $650 |
| Break-even value | $695 | $650 |
| Tracked benefits | 17 | 8 |
| Max listed valueAssumes perfect usage. Nobody hits this. | $920 | $590 |
| Auto-counted value | $0 | $0 |
| Capturable value | $920 | $590 |
| Earned, not given | $0 | $0 |
| Benefits needing enrollment | 4 | 2 |
| Benefits with deadlines | 17 | 8 |
Illustrative fee example
Example only — your result depends on what you actually use. Both examples assume every auto-counted credit posts, half of the capturable value is used, and no conditional value is counted.
Which one should you keep?
Chase United Club Card needs $695 of used value to break even; Delta SkyMiles Reserve needs $650. The cheaper fee is not automatically the better deal — what matters is which set of credits fits your actual life. Run the WTF Check on both and compare your own numbers.
Benefits both cards carry
Each of these is on both cards, at amounts the issuers set separately. The benefit page lists every card that carries it.
Official sources
Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
Verified against official issuer sources on September 20, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.
Official sources
Every fee, credit and restriction on this page is taken from American Express’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
Verified against official issuer sources on September 20, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.
This comparison is only as current as its stalest input: verified September 20, 2026.