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 (7.7/10 vs 6.6/10).
| Scored on | American Express Business Platinum | United Club Business Card |
|---|---|---|
| Right fit for small biz | 5 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 4 | 6 |
| Customer support | 8 | 7 |
| Features | 9 | 9 |
| Annual Fee | $695 | $525 |
| Foreign Transaction Fee | $0 | $0 |
| Intro APR | N/A (Charge Card) | — |
| Employee Cards | — | $0 |
| Late Payment Fee | — | Up to $40 |
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 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 Platinum or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.7/10 vs 6.6/10). 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 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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.