American Express® Blue Cash Preferred vs United℠ Business Card
Side-by-side comparison
| American Express® Blue Cash Preferred | United℠ Business Card | |
|---|---|---|
| Annual fee | $95 | $150 |
| Welcome offer | $300 statement credit | 100,000 miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 1% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $486 | $570 |
| Points type | Cash back only | Locked to United MileagePlus |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Blue Cash Preferred earns about $486 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The American Express® Blue Cash Preferred charges $95, but carries about $84 in annual statement credits that offset it for anyone who uses them. The United℠ Business Card charges $150, which you clear through its rewards and perks. The two are close on value, but the American Express® Blue Cash Preferred edges ahead by about $13 a year, mostly because it carries more in annual statement credits. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the United℠ Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Business Card if your spending leans toward office supplies, travel.