Hilton Honors American Express Business Card vs United Club Business Card: which one fits your business?
Side-by-side comparison of Hilton Honors American Express Business Card 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 7.4/10).
| Scored on | Hilton Honors American Express Business Card | United Club Business Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 6 | 6 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Annual Fee | $195 | $450 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 20.99% - 29.99% Variable | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 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, Hilton Honors American Express Business Card or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.5/10 vs 7.4/10). 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 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 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.