American Express Blue Business Plus vs United Club Business Card: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and United Club 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 (8.3/10 vs 7.5/10).
| Scored on | American Express Blue Business Plus | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 | $450 |
| Foreign Transaction Fee | 2.7% | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
American Express Blue Business Plus in one paragraph
The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Skip it if: You spend more than $50,000 a year or frequently pay international vendors.
United Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
Frequently asked questions
Which is better, American Express Blue Business Plus or United Club Business Card?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.3/10 vs 7.5/10). The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Who should skip American Express Blue Business Plus?
You spend more than $50,000 a year or frequently pay international vendors.
Who should skip United Club Business Card?
You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.