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

American Express Gold or United Business Card?

United Business Card returns $291 over its fee and American Express Gold returns $99, so the fee difference comes down to which categories you use.

American Express Gold
American Express GoldAmerican Express · $325 fee · 4 credits
United Business Card
United Business CardChase · $150 fee · 5 credits
NET VALUE+$99$424 credits
NET VALUE+$291$441 credits
American Express Gold
AMERICAN EXPRESSAmerican Express Gold
FEE$325
CREDITS$424
NET+$99
Category wins3 of 4
BEST NET VALUE
United Business Card
CHASEUnited Business Card
FEE$150
CREDITS$441
NET+$291
Category wins1 of 4
TAKE THE AMEX GOLD IF

You use food & dining, transportation, lifestyle. Lifestyle alone is worth $120 here and nothing on the United Business Card.

TAKE THE UNITED BUSINESS CARD IF

You use travel. Travel alone is worth $225 here and nothing on the Amex Gold.

Where to use each card

AMEX GOLD
🍽️
Resy Credit Restaurants10830 LOCATIONS
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UNITED BUSINESS CARD

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Frequently asked questions

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

The United Business Card is better with $291 net annual value compared to the American Express Gold at $99. The United Business Card wins by $192/year.

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

The key differences: American Express Gold has a $325 annual fee and $441 in annual benefits, while United Business Card has a $150 annual fee and $424 in annual benefits. The annual fee difference is $175.

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

The United Business Card has a lower annual fee at $150 compared to the American Express Gold at $325. However, the American Express Gold offers $424 in total annual benefits.

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

Yes, the United Business Card offers better value with $291 net annual value compared to $99 for the American Express Gold. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Chase's United Business Card offers better value with $291 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The American Express Gold is better for food_and_dining with $424 in annual food_and_dining benefits compared to $120 for the United Business Card.

Should I get the United Business Card?

If you're deciding between the American Express Gold and United Business Card, the United Business Card is the better choice with $291 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
VS
Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
VS
Capital One Venture X-$65
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Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE AMEX GOLD COMPARISONS

MORE UNITED BUSINESS CARD COMPARISONS