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

This comparison aims to help users evaluate and decide between two distinct credit cards: The Business Platinum Card® from American Express and the United Gateway℠ Card from Chase. Each card has unique features and benefits tailored to different user needs, making it essential to understand their offerings before making a decision.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is designed for business owners who travel frequently and seek premium rewards and benefits. With a high annual fee, it offers valuable perks, including extensive lounge access, travel credits, and a robust rewards program for business expenses.

United Gateway℠ Card

The United Gateway℠ Card is an entry-level travel rewards card that targets casual travelers and everyday spenders. With no annual fee, it provides a straightforward way to earn travel rewards without a hefty commitment. It offers bonus miles on United purchases and essential travel benefits.

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 Gateway℠ Card:

• Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
• 2x miles on United® purchases, at gas stations, and on local transit and commuting.
• 1x mile on all other purchases.

Pros and Cons

The Business Platinum Card® from American Express

• Pros:
  • Extensive airport lounge access
  • Generous welcome bonus
  • Multiple earning potential on business-related spending
  • Various travel credits and reimbursements
• Cons:
  • High annual fee
  • Complex rewards structure

United Gateway℠ Card

• Pros:
  • No annual fee
  • Simple reward structure
  • Bonus miles for everyday purchases
• Cons:
  • Limited premium travel benefits
  • Lower earning potential compared to premium cards

Who Should Consider Which Card?

• The Business Platinum Card® from American Express is ideal for frequent travelers and business owners who can leverage the card’s extensive benefits, including lounge access and travel credits, to maximize their rewards and minimize travel costs.
• United Gateway℠ Card is best suited for casual travelers or those who want to earn rewards without an annual fee. It’s a great choice for individuals who frequently fly with United and want to earn miles on everyday purchases.

Conclusion

When deciding between The Business Platinum Card® from American Express and the United Gateway℠ Card, it's essential to consider your individual needs and spending patterns. The Business Platinum Card® offers premium benefits suitable for business travelers, whereas the United Gateway℠ Card provides a straightforward approach to earning travel rewards without an annual fee. Choose the card that aligns best with your financial goals and travel habits.

“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.”