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: it's a tie on our scorecard — pick on fit, not score.
| Scored on | American Express Business Gold | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $375 | $450 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $39 | — |
| Additional Employee Cards | $0 for first 99 cards | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 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
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 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.