United Club Business Card | Review & United Miles Calculator

United Club Business Card

Card Review & United Miles Calculator
2X United Airlines
1.5X Everything Else
United Club Membership
United Premier Access
Two Free Checked Bags
Hertz President Circle Elite Status
Luxury Hotel & Resorts Collection
Travel & Purchase Protections

Review the benefits of the United Club Business Card, calculate how many United Miles you can earn based on your spend, and compare results to top cards.


The United Club Business Card is the business version of the United Club Infinite Card. It offers a few similar benefits such as United Club Membership, free checked bags, and status with Hertz Car Rental. It's a solid business card for those who wants great benefits when flying United.

Bonus Categories

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

1.5x Non-Category

All spending on the United Club Business Card outside of United Airline purchases will earn 1.5 MileagePlus Miles per $1 spent. This is an excellent rate for anyone looking to earn United Miles on all purchases.

Perks and Benefits

United Club Membership

The United Club Business Card comes with United Club Membership which is one of the primary reasons of picking up this card. Authorized users will not receive their own United Club membership and are only eligible for United Club access if they accompany you and qualify as an eligible guest per United Club guest policies.

If you have a United Club Membership, you can have your United Club Fee Waived or Reimbursed for the unused portion of your United Club membership once approved for the United Club Business Card.

United Priority Services

As a United Club Business Card member, you and your 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 with you as a companion on the same reservation.

Two Free Checked Bags

When you use the United Club Business Card to pay for your United airfare ticket, you 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 you.

Hertz President's Circle Membership

You will receive complimentary Hertz Gold Plus Rewards President's Circle Membership as a United Club Business Card member. This benefit applies only to the you, 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 Club Business Card grants access to the Luxury Hotel & Resort Collection which give you benefits such as daily breakfast for two, complimentary wifi, room upgrades (if available) and more.

Travel & Purchase Protections

The United Club Business Card comes with the usual great travel & purchase protection you find in all of Chase's credit cards. This includes:

  • Trip Cancellation / Trip Interruption Insurance
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Price Protection
  • Return Protection
  • Extended Warranty Protection

Sign Up Bonus

The standard sign up bonus for the United Club Business Card is a $100 statement credit after your first purchase. From time to time, United will also offer miles as a sign up bonus during promotions.

As part of a promotion lasting until 4/2/20, the United Club Business Card has a sign up bonus of 100,000 bonus mles after you spend $10,000 on purchases within the first 3 months your account is open. The United Business Card is also featuring the same promotion until 4/2/20.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the United Club Business Card is $450. Unless other luxury cards, there's no annual credits to help pad the annual fee so you'll have to rely on benefits alone to see if this card is worth it.

In my opinion, this card is primarily for those who want United Club Membership who don't have the means of acquiring it through United Premier Status or through partner airlines. Membership costs $650, so you would come out ahead picking up this card for membership and all it's perks versus paying out the pocket if you don't already have a United credit card.

The United Club Business Card also offers two free checked bags. While you can get your first checked bag free with several United Cards, only this card and the United Club Infinite cards offer a second checked bag. Checking the second back on United will cost you $45 one-way, $90 roundtrip per person. That can add up really fast.

Authorized User Fee

The United 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 Miles quicker. Authorized users of the United Club Business Card will not have access to several of the cards benefits without the primary user traveling along, so keep that in mind.

Foreign Transaction Fee

The foreign transaction fee for the United 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 other rewards card side-by-side by clicking on the Compare A Card button.
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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.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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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
0
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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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.
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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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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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.
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Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-25
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.

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