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 (7.6/10 vs 7.3/10).
| Scored on | American Express Business Gold | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Employee Card Fee | $0 up to 99 cards | $0 |
| Late Payment Fee | Up to $39 or 2.99% | Up to $40 |
| Purchase APR | 19.49% - 28.49% (Variable) | 21.49% - 28.49% variable |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
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 Business Gold or United Business Card?
On our five-axis scorecard, American Express Business Gold scores higher (7.6/10 vs 7.3/10). A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.