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Side-by-side

Blue Business Cash Card from American Express vs United Club Business Card

Both are business travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,250 more in estimated value) than the Blue Business Cash Card from American Express's. Get the United Club Business Card first; revisit the Blue Business Cash Card from American Express after you've earned that bonus.

FeatureBlue Business Cash Card from American ExpressUnited Club Business Card
Annual fee$0$695
Sign-up bonus$250 statement credit100,000 miles + 2,000 PQP
Bonus value (est.)$250$1,500
Min spend to unlock bonus$3,000 in 3 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorybusinessbusiness
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNoneNone
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

Editorial take: Blue Business Cash Card from American Express

The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

Editorial take: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or United Club Business Card?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $250 statement credit (~$250) on the Blue Business Cash Card from American Express.
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the United Club Business Card?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
Can I have both the Blue Business Cash Card from American Express and United Club Business Card?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Blue Business Cash Card from American Express or the United Club Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.