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The Business Platinum Card® from American Express vs United Quest℠ Card
This comparison aims to help users decide between The Business Platinum Card® from American Express and United Quest℠ Card. Both cards offer unique features tailored to different types of users, making it essential to understand their key benefits and drawbacks.
Card Overviews
The Business Platinum Card® from American Express
The Business Platinum Card® is designed for business owners who frequently travel and seek premium benefits. With a high annual fee, it offers extensive rewards on travel-related purchases, access to airport lounges, and various credits that can enhance the travel experience.
United Quest℠ Card
The United Quest℠ Card caters specifically to frequent United Airlines travelers, providing rewards that enhance the flying experience. It features a lower annual fee compared to The Business Platinum Card® and offers valuable perks such as free checked bags and a generous welcome bonus.
Detailed Feature Comparison
| Feature | The Business Platinum Card® from American Express | United Quest℠ Card |
|---|---|---|
| Annual Fee | $695 | $250 |
| Welcome Bonus | Earn 150,000 Membership Rewards® points after spending $20,000 in the first 3 months | 60,000 bonus miles and 500 PQP after spending $4,000 in the first 3 months |
| Rewards Structure | 5X points on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com; 1.5X points on eligible purchases in select categories; 1X on others | 3X miles on United® purchases; 2X miles on dining, select streaming services, and all other travel; 1X mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Various fees apply | Various fees apply |
| Additional Benefits | Global Lounge Collection, $200 Airline Fee Credit, up to $199 CLEAR® Plus Credit, and more | Free checked bags, priority boarding, up to $125 United® purchase credit, and more |
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 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
The Business Platinum Card® from American Express
- Pros:
- Extensive travel rewards and benefits.
- Access to a wide network of airport lounges.
- Various statement credits that can offset the annual fee.
- High rewards potential for business-related expenses.
- Cons:
- High annual fee may not suit all users.
- Complex rewards structure may be confusing for some.
United Quest℠ Card
- Pros:
- Lower annual fee compared to The Business Platinum Card®.
- Strong rewards on United purchases and travel.
- Free checked bags and priority boarding enhance travel experience.
- Cons:
- Limited to United Airlines for maximum benefits.
- Lower overall rewards potential compared to premium cards.
Who Should Consider Which Card?
- The Business Platinum Card® from American Express: Ideal for business owners who travel frequently, seek premium travel benefits, and can maximize the value of the card's extensive rewards and credits.
- United Quest℠ Card: Best for regular United Airlines travelers looking for a straightforward rewards program with valuable travel perks at a lower annual fee.
Conclusion
In conclusion, both The Business Platinum Card® from American Express and United Quest℠ Card offer valuable features tailored to different types of users. Consider your travel preferences, spending habits, and financial goals to determine which card aligns best with your needs.