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

This comparison aims to help you decide between two popular business credit cards: The Business Platinum Card® from American Express and The New United℠ Business Card from Chase. By examining their key features, rewards structures, and benefits, you can identify which card aligns best with your spending habits and financial goals.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is designed for business owners who travel frequently and value premium travel perks. With a high annual fee, this card offers extensive rewards on travel-related purchases, access to luxury airport lounges, and various statement credits to enhance your travel experience.

The New United℠ Business Card

The New United℠ Business Card is tailored for small business owners who frequently fly with United Airlines. This card offers a lower annual fee and rewards on everyday business expenses, including dining and gas. It also provides valuable benefits, such as free checked bags and anniversary bonuses, making it a good choice for those who want to accumulate miles for travel rewards.

Detailed Feature Comparison

Rewards Highlights

• 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 on eligible purchases 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.

Pros and Cons

The Business Platinum Card® from American Express

• Pros:
  • Extensive travel benefits and lounge access.
  • High rewards earning potential on travel-related purchases.
  • Multiple statement credits for various categories.
• Cons:
  • High annual fee may not be justifiable for all users.
  • Best rewards are focused on travel, limiting value for non-travel purchases.

The New United℠ Business Card

• Pros:
  • Lower annual fee compared to many premium cards.
  • Generous rewards on United purchases and everyday spending.
  • Free checked bags and travel credits enhance travel value.
• Cons:
  • Limited to United Airlines and associated benefits, less flexible than other cards.
  • Lower rewards rate on non-United purchases.

Who Should Consider Which Card?

Consider The Business Platinum Card® from American Express if you travel frequently and can take advantage of the extensive travel perks, airport lounge access, and premium rewards structure. This card is ideal for business owners who spend heavily on travel and want to maximize their rewards in that area.

On the other hand, The New United℠ Business Card is a better fit for small business owners who primarily fly with United Airlines and want a card that offers solid rewards on everyday business expenses without a high annual fee. If you are looking for straightforward rewards and valuable travel benefits without the luxury amenities, this card is suitable for you.

Conclusion

Both The Business Platinum Card® from American Express and The New United℠ Business Card offer unique benefits tailored to different needs. Evaluate your individual spending patterns and financial goals to determine which card will provide the most value 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.”