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COMPARE/AMEX BUSINESS GOLD VS UNITED BUSINESS CARD
FIRST CARD
SECOND CARD

American Express Business Gold or United Business Card?

American Express Business Gold returns $470 over its fee and United Business Card returns $291, so the fee difference comes down to which categories you use.

American Express Business Gold
American Express Business GoldAmerican Express · $375 fee · 4 credits
United Business Card
United Business CardChase · $150 fee · 5 credits
NET VALUE+$470$845 credits
NET VALUE+$291$441 credits
BEST NET VALUE
American Express Business Gold
AMERICAN EXPRESSAmerican Express Business Gold
FEE$375
CREDITS$845
NET+$470
Category wins3 of 5
United Business Card
CHASEUnited Business Card
FEE$150
CREDITS$441
NET+$291
Category wins2 of 5
TAKE THE AMEX BUSINESS GOLD IF

You use business, food & dining, lifestyle. Business and Lifestyle alone are worth $845 here and nothing on the United Business Card.

TAKE THE UNITED BUSINESS CARD IF

You use travel, transportation. Travel and Transportation alone are worth $321 here and nothing on the Amex Business Gold.

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Frequently asked questions

Which is better, American Express Business Gold or United Business Card?

The American Express Business Gold is better with $470 net annual value compared to the United Business Card at $291. The American Express Business Gold wins by $179/year.

What's the difference between American Express Business Gold and United Business Card?

The key differences: American Express Business Gold has a $375 annual fee and $845 in annual benefits, while United Business Card has a $150 annual fee and $441 in annual benefits. The annual fee difference is $225.

Which has a lower annual fee, American Express Business Gold or United Business Card?

The United Business Card has a lower annual fee at $150 compared to the American Express Business Gold at $375. However, the American Express Business Gold offers $845 in total annual benefits.

Is the American Express Business Gold worth it compared to the United Business Card?

Yes, the American Express Business Gold offers better value with $470 net annual value compared to $291 for the United Business Card. Even though it has a higher annual fee ($375 vs $150), the American Express Business Gold provides more total benefits.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's American Express Business Gold offers better value with $470 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for business?

The American Express Business Gold is better for business with $690 in annual business benefits compared to $0 for the United Business Card.

Should I get the American Express Business Gold?

If you're deciding between the American Express Business Gold and United Business Card, the American Express Business Gold is the better choice with $470 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

Other comparisons

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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
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American Express Gold+$99
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