American Express Gold Card vs United℠ Business Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Restaurants (Worldwide) 4x
- U.S. Supermarkets 4x
- Flights (Direct or Amex Travel) 3x
- United Purchases 2x
- Dining 2x
- Gas Stations 2x
- Uber Cash $10
- Dining Credit $10
- Resy Credit $100
- +1 more
- The Hotel Collection Access
- Baggage Insurance Plan
- Trip Delay Insurance
- Two United Club One-Time Passes (~$100/yr)
- Free First Checked Bag (~$160/yr)
- Priority Boarding
- +2 more
- Flying Blue
- Delta SkyMiles
- True Blue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
Common Questions: American Express Gold Card vs United℠ Business Card
Is the American Express Gold Card or United℠ Business Card better for dining?
American Express Gold Card earns 4x on dining; United℠ Business Card earns 2x on dining. American Express Gold Card wins for dining.
Which has the higher signup bonus in 2026?
American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). United℠ Business Card offers 100,000 pts signup bonus (spend $5,000 in 3 months). American Express Gold Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the American Express Gold Card and the United℠ Business Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and United℠ Business Card is from Chase, so they're governed by separate bank policies.