American Express Business Gold vs United Club Business Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and United Club Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Club Business Card wins on our scorecard (7.7/10 vs 7.6/10).
| Scored on | American Express Business Gold | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 6 |
| Customer support | 7 | 7 |
| Features | 9 | 9 |
| Annual Fee | $375 | $525 |
| Foreign Transaction Fee | $0 | $0 |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | Up to $40 |
| Purchase APR | 19.49% - 28.49% (Variable) | — |
| Employee Cards | — | $0 |
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 Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
Which is better, American Express Business Gold or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.7/10 vs 7.6/10). The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.