Hilton Honors American Express Business Card vs United Business Card: which one fits your business?
Side-by-side comparison of Hilton Honors American Express Business 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 | Hilton Honors American Express Business Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 7 |
| Fees & pricing | 6 | 8 |
| Customer support | 7 | 6 |
| Features | 8 | 7 |
| Annual Fee | $195 | $99 ($0 first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Purchase APR | 20.99% - 29.99% Variable | 21.49% - 28.49% variable |
Hilton Honors American Express Business Card in one paragraph
A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
Skip it if: You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.
Read the full Hilton Honors American Express Business Card review
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
Who should skip Hilton Honors American Express Business Card?
You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.