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American Express® Business Gold Card vs United Quest℠ Card
This comparison aims to assist users in deciding between the American Express® Business Gold Card and the United Quest℠ Card. Both cards cater to different spending habits and offer unique benefits tailored to their target audiences.
Card Overviews
American Express® Business Gold Card
The American Express® Business Gold Card is designed for business owners who want to maximize their rewards on business expenses. With its flexible rewards structure and premium benefits, this card is ideal for businesses that frequently spend in multiple categories.
United Quest℠ Card
The United Quest℠ Card is tailored for frequent travelers, especially those who fly United Airlines. With robust travel benefits and rewards for airline purchases, it’s perfect for individuals who prioritize travel perks and wish to accumulate miles for future flights.
Detailed Feature Comparison
| Feature | American Express® Business Gold Card | United Quest℠ Card |
|---|---|---|
| Annual Fee | $375 | $250 |
| Welcome Bonus | Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases in the first 3 months.* | Earn 60,000 bonus miles and 500 PQP after you spend $4,000 on purchases in the first 3 months.* |
| Rewards Structure | 4X points on top two eligible categories; 3X on flights and prepaid hotels booked on amextravel.com; 1X on other purchases.* | 3x miles on United® purchases; 2x miles on travel, dining, and select streaming services; 1x mile on other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | $5 or 3% of the transaction amount, whichever is greater for cash advances.* | $5 or 3% of the transaction amount, whichever is greater for cash advances.* |
| Additional Benefits | Monthly credits for eligible purchases at FedEx, Grubhub, and Office Supply Stores; Metal design options; other premium benefits.* | Free first and second checked bags; priority boarding; up to $125 United® purchase credit; up to 10,000 miles in award flight credits.* |
Rewards Highlights
American Express® Business Gold Card
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- 1X is earned for other purchases. **
United Quest℠ Card
- Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services & all other travel.
- 1x mile on all other purchases.
Pros and Cons
American Express® Business Gold Card
- Pros:
- High rewards potential on business expenses.
- Flexible points categories.
- Premium benefits for business owners.
- Travel and purchase protections.
- Metal design options available.
- Cons:
- Higher annual fee compared to some alternatives.
- Significant spending required for the welcome bonus.
United Quest℠ Card
- Pros:
- Lower annual fee than some premium travel cards.
- Generous travel perks such as free checked bags.
- Good earning rate on United purchases.
- Welcome bonus that includes miles and PQP.
- Cons:
- Rewards primarily focused on United® purchases.
- Limited earning potential outside of travel and dining categories.
Who Should Consider Which Card?
The American Express® Business Gold Card is best suited for business owners who have varied expenses across multiple categories and want to maximize their rewards through flexible points. It's ideal for those who can take advantage of premium benefits and can justify the higher annual fee.
The United Quest℠ Card is perfect for frequent United Airlines travelers who want to earn miles and enjoy travel-related perks. This card benefits those who prioritize airline rewards and are likely to fly with United regularly, as well as those seeking a lower annual fee.
Conclusion
In summary, both the American Express® Business Gold Card and the United Quest℠ Card offer valuable benefits tailored to different audiences. It’s essential to consider your individual spending habits and financial goals to determine which card aligns best with your needs.