The Business Platinum Card® from American Express vs United℠ Business Card

This comparison aims to help you decide between The Business Platinum Card® from American Express and the United℠ Business Card from Chase. Both cards cater to different needs and spending habits, making it essential to understand their unique features and benefits to make an informed choice.

Card Overviews

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is designed for business owners who travel frequently. With premium travel benefits, extensive rewards on travel-related purchases, and access to exclusive lounges, this card is ideal for those who want to maximize their travel experience.

United℠ Business Card

The United℠ Business Card is tailored for small business owners who are loyal to United Airlines. It offers generous rewards on United purchases and provides various travel perks, making it a great option for those who fly with United regularly and seek to earn miles quickly.

Detailed Feature Comparison

Rewards Highlights

The Business Platinum Card® from American Express

• Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Earn 1X points on other eligible purchases.

United℠ Business Card

• 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting.
• 1x mile on all other purchases.

Pros and Cons

The Business Platinum Card® from American Express

• Pros:
  • High rewards on travel-related purchases.
  • Extensive airport lounge access.
  • Various travel credits and bonuses available.
• Cons:
  • High annual fee.
  • Complex rewards structure.

United℠ Business Card

• Pros:
  • Lower annual fee.
  • Generous rewards on United purchases.
  • Employee cards at no additional cost.
• Cons:
  • Fewer travel benefits compared to premium cards.
  • Rewards are primarily focused on United Airlines.

Who Should Consider Which Card?

• The Business Platinum Card® from American Express is best suited for:
  • Frequent travelers who want premium benefits.
  • Business owners who spend significantly on travel.
  • Those who can take advantage of the extensive rewards structure.
• The United℠ Business Card is ideal for:
  • Small business owners who are loyal to United Airlines.
  • Those who want a lower annual fee with decent rewards.
  • Individuals looking for straightforward earning on everyday purchases.

Conclusion

In conclusion, both The Business Platinum Card® from American Express and the United℠ Business Card offer unique benefits tailored to different types of users. Consider your individual needs, spending patterns, and travel habits when making a decision. Whether you prioritize premium travel perks or focused rewards on United Airlines, understanding these cards will help you choose the right one for your business.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”