Ramp Card vs United Business Card: which one fits your business?
Side-by-side comparison of Ramp Card and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7.4/10).
| Scored on | Ramp Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 10 | 8 |
| Customer support | 7 | 6 |
| Features | 9 | 7 |
| Annual Fee | $0 | $99 ($0 first year) |
| Foreign Transaction Fee | None | $0 |
| Additional Employee Cards | $0 | — |
| Late Payment Fee | Varies by contract | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
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, Ramp Card or United Business Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.4/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.