Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

The Business Platinum Card from Amex vs United Gateway Card

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the United Gateway Card from Chase at $0/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 ($2,310 more in estimated value) than the United Gateway Card's. Get the The Business Platinum Card from Amex first; revisit the United Gateway Card after you've earned that bonus.

FeatureThe Business Platinum Card from AmexUnited Gateway Card
Annual fee$895$0
Sign-up bonus150,000 Membership Rewards points30,000 miles
Bonus value (est.)$2,700$390
Min spend to unlock bonus$20,000 in 3 mo$1,000 in 3 mo
IssuerAmerican ExpressChase
Card categorybusinesstravel
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
  • 2x on United + transit + gas
  • No annual fee
  • No foreign tx fees
  • 25% inflight rebate
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
United Gateway Card
$0/yr · 30,000 miles

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 Gateway Card

The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.

Common questions

Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or United Gateway Card?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 30,000 miles (~$390) on the United Gateway Card.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the United Gateway 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 Gateway Card at $0/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex and United Gateway 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 Gateway 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 Gateway Card: $1,000 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.