American Express Business Platinum vs United Business Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Business Card wins on our scorecard (7.3/10 vs 6.6/10).
| Scored on | American Express Business Platinum | United Business Card |
|---|---|---|
| Right fit for small biz | 5 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 4 | 7 |
| Customer support | 8 | 6 |
| Features | 9 | 8 |
| Annual Fee | $695 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Intro APR | N/A (Charge Card) | — |
| Employee Card Fee | — | $0 |
| Late Payment Fee | — | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
American Express Business Platinum in one paragraph
A powerhouse for high-spend travelers, but a calculated liability for the average local small business owner.
Skip it if: Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
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 Platinum or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.3/10 vs 6.6/10). A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Who should skip American Express Business Platinum?
Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.