American Express Business Green Rewards Card vs United℠ Gateway
Side-by-side comparison
| American Express Business Green Rewards Card | United℠ Gateway | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 15,000 Membership Rewards points | Up to 40,000 bonus miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 1% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $450 | $468 |
| Points type | Transfers to airlines & hotels | 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 Business Green Rewards Card earns about $450 a year in rewards and the United℠ Gateway about $468, valuing every point at a flat 1 cent. The American Express Business Green Rewards Card charges $95, which you clear through its rewards and perks. The United℠ Gateway has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the United℠ Gateway delivers more total value, about $113 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the American Express Business Green Rewards Card earns points you can move to travel partners for outsized value, while the United℠ Gateway stays locked to a single airline or hotel program. Favor the American Express Business Green Rewards Card if you will use travel transfers, the United℠ Gateway if you want simplicity. On the sign-up bonus, the United℠ Gateway currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.