American Express® Platinum vs United℠ Business Card
Side-by-side comparison
| American Express® Platinum | United℠ Business Card | |
|---|---|---|
| Annual fee | $895 | $150 |
| Welcome offer | 100,000 miles | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 5% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $642 | $570 |
| 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® Platinum earns about $642 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The American Express® Platinum charges $895, but carries about $1,229 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. Counting rewards, fees, and any credits, the United℠ Business Card delivers more total value, about $58 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies. The bigger difference is the ceiling: the American Express® Platinum earns points you can move to travel partners for outsized value, while the United℠ Business Card stays locked to a single airline or hotel program. Favor the American Express® Platinum if you will use travel transfers, the United℠ Business Card if you want simplicity. On the sign-up bonus, the American Express® Platinum currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Platinum if your spending leans toward travel. Pick the United℠ Business Card if your spending leans toward office supplies.