Brex Card vs United Business Card: which one fits your business?
Side-by-side comparison of Brex Card 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 7.3/10).
| Scored on | Brex Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 6 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 5 | 6 |
| Features | 8 | 7 |
| Annual Fee | $0 | $99 ($0 first year) |
| Foreign Transaction Fee | 0% | $0 |
| Late Payment Fee | Varies by bank partner | Up to $40 |
| Additional Card Fee | $0 | — |
| Purchase APR | — | 21.49% - 28.49% variable |
Brex Card in one paragraph
Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Skip it if: You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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, Brex Card or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.4/10 vs 7.3/10). A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Who should skip Brex Card?
You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.