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Side-by-side

The Business Platinum Card from Amex vs United Club Business Card

Both are business travel cards. The The Business Platinum Card from Amex comes from American Express at $895/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 The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($1,200 more in estimated value) than the United Club Business Card's. Get the The Business Platinum Card from Amex first; revisit the United Club Business Card after you've earned that bonus.

FeatureThe Business Platinum Card from AmexUnited Club Business Card
Annual fee$895$695
Sign-up bonus150,000 Membership Rewards points100,000 miles + 2,000 PQP
Bonus value (est.)$2,700$1,500
Min spend to unlock bonus$20,000 in 3 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorybusinessbusiness
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

Editorial take: The Business Platinum Card from Amex

Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

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, The Business Platinum Card from Amex or United Club Business Card?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 100,000 miles + 2,000 PQP (~$1,500) on the United Club Business Card.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the United Club Business Card?
Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The United Club Business Card at $695/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex 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 The Business Platinum Card from Amex or the United Club Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 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.