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 (8.1/10 vs 7.3/10).
| Scored on | Ramp Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | $0 |
| Late Payment Fee | Card suspension, no specific dollar fee | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
Ramp Card in one paragraph
Ramp is the gold standard for businesses that want to automate accounting and refuse to sign a personal guarantee, provided they have the cash to back it up.
Skip it if: You are a sole proprietor or need the flexibility to carry a balance from month to month.
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
Which is better, Ramp Card or United Business Card?
On our five-axis scorecard, Ramp Card scores higher (8.1/10 vs 7.3/10). Ramp is the gold standard for businesses that want to automate accounting and refuse to sign a personal guarantee, provided they have the cash to back it up.
Who should skip Ramp Card?
You are a sole proprietor or need the flexibility to carry a balance from month to month.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.