American Express® Business Gold Card vs United℠ Business Card

American Express® Business Gold CardAmerican Express® Business Gold Card

American Express

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United℠ Business CardUnited℠ Business Card

Chase

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Annual Fee
$375
$145
Card Type
Business
Business
Rewards Currency
Membership Rewards
United MileagePlus
Point Value
2.00¢/pt
1.35¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Membership Rewards after $15,000 in 90 days
100,000 United MileagePlus after $5,000 in 90 days

Effective return by category

CategoryAmerican Express® Business Gold CardUnited℠ Business Card
Food Delivery8.00%
4x · $150,000 cap
2.70%
2x
Gas Stations8.00%
4x · $150,000 cap
2.70%
2x
Transit & Rideshare8.00%
4x · $150,000 cap
2.70%
2x
Online Advertising8.00%
4x · $150,000 cap
1.35%
1x
Dining & Restaurants8.00%
4x · $150,000 cap
1.35%
1x
Phone & Wireless8.00%
4x · $150,000 cap
1.35%
1x
Office Supplies2.00%
1x
2.70%
2x
Everything else2.00%
1x
1.35%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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