Compare United Credit Cards By Spend | Miles Calculator
United Explorer United Explorer Business United Club Infinite United Clu

Compare United Credit Cards

Side By Side Comparison Calculators

Compare United Credit Cards side by side based on how much you spend per month/year across the card, the cash value of card benefits, and annual fees.

United Airlines has a total of five credit cards which consists of 3 personal cards and 2 business cards all offered by Chase Bank. Each card earns rewards redeemable with United and has it's own perks & benefits.

The calculator on this page will allow you to compare United credit cards side by side each other based on your spend, the cash value of the card benefits, and annual fees. If you want to compare United credit cards against non-United cards, you'll need to visit a credit card's specific United Miles Calculator.

Chase 5/24 Rule

All United credit cards are offered by Chase Bank which means they fall under Chase's 5/24 rule. In short, this means that if you have opened more than 5 new credit card accounts within the last 24 months (2 years), you will more than likely not be approved for a Chase credit card. This includes personal Chase cards as well as personal cards opened at other banks.

If you're not sure of how many new accounts you've opened, you can sign up for a free Credit Karma account. It will show you how many new accounts you've opened and you can use that to see if you fall under Chase's 5/24 rule.

United Credit Cards Perks & Benefits

Listed below are brief details on each United credit card. You can click on the card to be taken to it's page to learn the in-depth details about the card including a breakdown of bonus categories, perks & benefits, standard sign up bonuses, and annual fees. Each card also has it's own specific United Miles Calculator that you can use to compare the cash value against the hundreds of cards featured on the site. Remember that the calculator on this page will only allow you to compare United credit cards against other United credit cards.

United Explorer Card United Explorer Card

The United Explorer Card is United's entry level credit card. If you're looking to earn on a steady stream of United Miles across a few categories and want a few benefits when flying United such as a free checked bag, this is the card to grab up.

Explorer Card Benefits:

  • 2x Miles on United Spend
  • 2x Miles on Restaurant Spend
  • 2x Miles on Hotel Spend
  • First Checked Bag Free
  • 2 Annual Club Passes
  • Priority Boarding
  • Global Entry / TSA PreCheck Credit
  • 25% Off In-Flight Purchases

United Club Infinite Card United Club Infinite Card

The United Club Infinite Card is a premium credit card that has a high annual fee of $525. If you're looking to gain access to United Club Lounges, this fee is well worth it since membership will normally cost you $650 per year if you do not have it. The card offers the highest earnings on United spend as well as offers a bunch of other benefits that can make the card worth it for those that consistently fly United Airlines.

Club Infinite Benefits

  • 4x Miles on United Spend
  • 2x Miles on Dining Spend
  • 2x Miles on Travel Spend
  • United Club Membership
  • Hertz President's Circle
  • Premier Access
  • 2 Checked Bags Free
  • Global Entry / TSA PreCheck
  • 25% Off In-Flight Purchases
  • Luxury Hotel & Resort Collection

United Club TravelBank Card United TravelBank Card

The United TravelBank Card is a unique United credit card that earns United TravelBank Cash. TravelBank Cash can only be redeemed towards United flights which makes it pretty restrictive. The main plus to the TravelBank Card is that it earns a 1.5% return on all non-category spend which can make it the better option over earning 1 United Mile in most cases.

TravelBank Card Benefits

  • 2% TravelCash on United Spend
  • 1.5% TravelCash on Other Spend
  • 25% Off In-Flight Purchases

United Business Card United Business Card

The United Business Card is the entry level business card for United. It earns a great return across several categories as well as offers several great benefits to the primary cardholder such as a free checked bag, priority boarding, and more. Do note that employee cards will not receive most of the benefits offered on the card, but they can help you build United Miles running spend through the card.

United Business Card Benefits

  • 2x Miles on United Spend
  • 2x Miles on Restaurant Spend
  • 2x Miles on Office Supply Store Spend
  • 2x Miles on Transit/Commute Spend
  • Free Checked Bag
  • Priority Boarding
  • 2 United Club Passes Annually
  • $100 United Travel Credit w/ Spend
  • Anniversary Points
  • 25% Off In-Flight Purchases
  • Luxury Hotel & Resort Collection

United Club Business Card United Club Business Card

The United Club Business Card is the business version of the personal United Club Card. It offers United Club Membership, complimentary elite status with Hertz, two free checked bags, a nice return on non-category spend, and much more. With the Club Card being revamped in early 2020, it's a chance that chances to this card may be coming up soon.

United Club Business Card Benefits

  • 2x Miles on United Spend
  • 1.5x Miles on Other Spend
  • United Club Membership
  • Hertz President's Circle
  • Premier Access
  • 2 Checked Bags Free
  • 25% Off In-Flight Purchases
  • Luxury Hotel & Resort Collection

Rewards and Card Value Comparison Calculator

You can use this rewards comparison 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 cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Change Cards
Compare A Card
Compare Cards
These cards are part of the same family.
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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
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 this 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.

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Page Last Updated: 2020-03-26
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

About This SiteAbout The Staff

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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