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: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Brex Card | United Business Card |
|---|---|---|
| Right fit for small biz | 6 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Employee Cards | $0 | — |
| Late Fee | Varies by contract | — |
| Employee Card Fee | — | $0 |
| Late Payment Fee | — | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
Brex Card in one paragraph
Brex is the ultimate growth tool for venture-backed startups, provided you have the cash reserves to keep their automated underwriting happy.
Skip it if: Skip it if you are a solo-entrepreneur or a small business with less than $50,000 in consistent bank deposits.
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
Who should skip Brex Card?
Skip it if you are a solo-entrepreneur or a small business with less than $50,000 in consistent bank deposits.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.