American Express Business Gold vs United Business Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Business Gold wins on our scorecard (7.5/10 vs 7.4/10).
| Scored on | American Express Business Gold | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 7 |
| Annual Fee | $375 | $99 ($0 first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $39 | Up to $40 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Purchase APR | — | 21.49% - 28.49% variable |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
Frequently asked questions
Which is better, American Express Business Gold or United Business Card?
On our five-axis scorecard, American Express Business Gold scores higher (7.5/10 vs 7.4/10). The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.