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 (7.4/10 vs 7/10).
| Scored on | American Express Business Platinum | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 8 |
| Customer support | 7 | 6 |
| Features | 9 | 7 |
| Annual Fee | $695 | $99 ($0 first year) |
| Foreign Transaction Fee | None | $0 |
| Late Payment Fee | Up to $39 | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 Platinum or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.4/10 vs 7/10). A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Who should skip American Express Business Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.