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

American Express Business Gold or Chase United Club?

American Express Business Gold returns $470 over its fee and Chase United Club returns $119, so the fee difference comes down to which categories you use.

American Express Business Gold
American Express Business GoldAmerican Express · $375 fee · 4 credits
Chase United Club
Chase United ClubChase · $695 fee · 5 credits
NET VALUE+$470$845 credits
NET VALUE+$119$814 credits
BEST NET VALUE
American Express Business Gold
AMERICAN EXPRESSAmerican Express Business Gold
FEE$375
CREDITS$845
NET+$470
Category wins2 of 5
Chase United Club
CHASEChase United Club
FEE$695
CREDITS$814
NET+$119
Category wins2 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
United Club Membership
TAKE THE AMEX BUSINESS GOLD IF

You use business, lifestyle. Business and Lifestyle alone are worth $845 here and nothing on the United Club.

TAKE THE UNITED CLUB IF

You use travel, transportation. Travel and Transportation alone are worth $544 here and nothing on the Amex Business Gold.

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Frequently asked questions

Which is better, American Express Business Gold or Chase United Club?

The American Express Business Gold is better with $470 net annual value compared to the Chase United Club at $119. The American Express Business Gold wins by $351/year.

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

The key differences: Chase United Club has a $695 annual fee and $845 in annual benefits, while American Express Business Gold has a $375 annual fee and $814 in annual benefits. The annual fee difference is $320.

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

The American Express Business Gold has a lower annual fee at $375 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

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

Yes, the American Express Business Gold offers better value with $470 net annual value compared to $119 for the Chase United Club. It also has a lower annual fee.

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 Chase United Club.

Should I get the American Express Business Gold?

If you're deciding between the American Express Business Gold and Chase United Club, 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

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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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
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,109
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