American Express Business Platinum vs United Club Business Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 (7.5/10 vs 7/10).
| Scored on | American Express Business Platinum | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 6 | 8 |
| Fees & pricing | 5 | 6 |
| Customer support | 7 | 7 |
| Features | 9 | 9 |
| Annual Fee | $695 | $450 |
| Foreign Transaction Fee | None | $0 |
| Late Payment Fee | Up to $39 | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 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
Which is better, American Express Business Platinum or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.5/10 vs 7/10). 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.
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 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.