American Express Blue Business Plus vs United Business Card: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Blue Business Plus wins on our scorecard (8.5/10 vs 7.3/10).
| Scored on | American Express Blue Business Plus | United Business Card |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 7 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | 2.7% | $0 |
| Purchase APR | 18.49% - 26.49% Variable | 21.49% - 28.49% variable |
| Intro APR | 0% for 12 months | — |
| Employee Cards | $0 | — |
| Employee Card Fee | — | $0 |
| Late Payment Fee | — | Up to $40 |
American Express Blue Business Plus in one paragraph
The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Skip it if: You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
Frequently asked questions
Which is better, American Express Blue Business Plus or United Business Card?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.5/10 vs 7.3/10). The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Who should skip American Express Blue Business Plus?
You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.