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To bring you the list of best credit cards for United, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 cards from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on numbers from LendingTree and U.S. Bureau of Labor Statistics data.
We rank cards based on the following criteria:
- Average value over two years (80% of rating): We calculate the value of rewards and perks for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
- Flexibility of rewards (15% of rating): We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
- Other features (5% of rating): We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.
Note that our ratings are a starting point for comparing and choosing the best Delta credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value most to choose the best card for you.
