The Plum Card from American Express vs United Club Business Card: which one fits your business?
Side-by-side comparison of The Plum Card from American Express 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 (7.7/10 vs 7.1/10).
| Scored on | The Plum Card from American Express | United Club Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 6 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $250 | $525 |
| Early Pay Discount | 1.5% | — |
| Late Fee | $39 or 2.99% | — |
| Foreign Transaction Fee | $0 | $0 |
| Employee Cards | — | $0 |
| Late Payment Fee | — | Up to $40 |
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
United Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
Which is better, The Plum Card from American Express or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.7/10 vs 7.1/10). The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.
Who should skip United Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.