Miles Calculator - United MileagePlus Club Business Card

United Club Business Card

2X United Airlines
1.5X Everything Else
United Club Membership
Hyatt Discoverist Status
Hertz President Circle Elite Status

Learn the details of the United Club Business Card, calculate how many miles you can earn, and calculate the cash value based on your spend. Compare the results side by side against any rewards card.

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The United MileagePlus Club Business Card is the business version of the United MileagePlus Club Card. It offers the exact same perks and benefits such as bonus miles on airfare and a great earning rate for non-category purchases, United Club Membership, free checked bags, and status with both Hertz Rental Car and Hyatt Hotels. Authorized users of this business card will not earn any extra benefits beside earning extra United Miles.

Bonus Categories

The United Airlines MileagePlus Club Business Card has one bonus category which is for United purchases. There is no limit to the amount of miles you can earn with the card and there is no cap to the 'United purchases' category on this card. Below are the details of the Club Business Card's earning structure.

2x United Airlines

The United MileagePlus Club Business Card earns 2 MileagePlus Miles per $1 spent on United Airlines purchases. This includes United airline tickets (purchased directly with United), seat upgrades, in-flight food, beverages, Wi-Fi, baggage service charges and other United fees. This does not include United Cruises®, MileagePlus X, DIRECTV, and Merchandise Awards.

When it comes to earning United Miles, the co-branded cards are beat out by Chase's Ultimate Rewards Point earning cards since they transfer to United at a 1-to-1 ratio and earn 3x on travel purchases which includes airline. These cards consist of the Chase Ink Business Preferred Card and Chase Sapphire Reserve. It could be harder to justify adding another premium card if you can't make use of the perks and benefits, but the Reserve's benefits and earning structure goes hand-in-hand with any committed United customer.

1.5x Non-Category

All spending on the United MileagePlus Club Business Card outside of United Airline purchases will earn 1.5 MileagePlus Miles per $1 spent. This is an excellent rate and probably one of the best cards to earn United Miles through non-category spend!

Perks and Benefits

United Club Membership

The United MileagePlus Club Business Card comes with United Club Membership. This membership excludes Star Alliance and affiliated lounges. Authorized users will not receive their own United Club membership and are only eligible for United Club access if they accompany the primary Card member and qualify as an eligible guest per United Club guest policies.

Current United Club members can have their United Club Fee Waived or Reimbursed for the unused portion of your United Club membership once approved for the United MileagePlus Club Business Card.

United Priority Services

Primary United MileagePlus Club Business Card members and their companions traveling on the same reservation are eligible for premier access. This includes designated check-in lines, priority security lanes, priority boarding, and priority baggage handling. Authorized users of the Club Business Card will not receive this perk unless they are traveling as a companion on the same reservation with the primary cardholder.

Two Free Checked Bags

When the United MileagePlus Club Business Card is used to pay for the airfare, the cardholder and up to one companion traveling on the same reservation will receive the first and second checked bags free (standard size bag). Authorized users of the Club Business Card are only eligible if they are on the same reservation as the primary Card member

Hyatt Discoverist Status

United MileagePlus Club Business Card members will receive complimentary World of Hyatt Discoverist Status. Discoverist status comes with perks such as a free bottle of water, premium internet, room upgrades, extra points, and more.

Hertz President's Circle Membership

United MileagePlus Club Business Cardholders will receive complimentary Hertz Gold Plus Rewards President's Circle Membership. This United Club Card benefit applies only to the primary cardholder. These perks consist of confirmed vehicle availability of Standard Equipment Economy through Full-Size 4 door vehicles, confirmed vehicle one-car-class upgrade, 25% bonus on Hertz Gold Plus Rewards® Points, and more.

Luxury Hotel & Resorts

The United MileagePlus Club Business Card comes with access to the Luxury Hotel & Resort Collection which grants benefits like daily breakfast for two, complimentary wifi, room upgrades (if available) and more.

Standard Chase Benefits

The United MileagePlus Club Business Card comes with usual Chase Credit Card Travel Benefits such as Trip Cancellation, Trip Interruption Insurance, Baggage Delay Insurance, Purchase Protection, Extended Warranty Protection, and much more.

Sign Up Bonus

The sign up bonus for the United Business Club Card is a $100 statement credit after your first purchase. United has an Interactive Travel Destination Award Chart to help find out if United Miles will be useful to you. You can also slide over to the United MileagePlus Calculators to calculate the cash value of any amount of United Miles. The page also covers the full MileagePlus program including the Premier status benefits and qualifications, how to earn miles with various partners, and the list of ways on how to redeem United Miles.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the United MileagePlus Club Business Card is $450. This is the normal pricing point for premium luxury cards like with the AMEX Business Platinum Card and Delta Business Reserve Card. The United Club Membership costs $600 in itself, so if you enjoy them it should easily be worth the fee. Besides the membership, the card can save you hundreds on baggage if you don't have United Premier Status. Add on the hotel and car rental status (assuming you use them) and you should be able to make due with this annual fee.

Authorized User Fee

The United MileagePlus Club Business Card has an authorized user fee of $0. This means you can add employees, friends, and family for no additional fees. This can help build your balance of United MileagePlus Miles quicker.

Foreign Transaction Fee

The foreign transaction fee for the United MileagePlus Club Business Card is 0%. This allows you to earn United Miles worldwide without worrying about being penalized with a fee for out of country purchases.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Page Last Updated: 2019-01-01

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