Earn MileagePlus miles on business expenses and enjoy travel perks

The New United℠ Business Card: Calculator & Rewards Value Guide

Fees

Earning Rates

7X total miles on United flights.
5X total miles on hotel stays purchased through United Hotels.
2X miles on all other eligible United® purchases.
2X miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1X mile on all other purchases.

Main Benefits

Over $500 in annual partner credits
5,000-mile better-together anniversary bonus
Free first checked bag for yourself and one traveling companion
2 United Club on-time passes per year
Priority boarding
25% back on United in-flight and Club premium drink purchases

Our Take

The United Business Card is a great option if you're looking to earn United Miles across common business categories. You'll also receive a handful of solid benefits along with bonus points if you're also a personal/consumer United credit card holder.

Last Updated: 04-04-2025

United Business Card Miles Calculator

Use this calculator to see how many miles your business can earn with the United Business Card based on monthly spending. Compare the card’s value to other business or airline options, and customize fees, benefits, and reward categories.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

The New United℠ Business Card Details

Earning Rates

The United Business Card earns United miles at the following rates:

7 total miles per $1 spent on United flights—5X miles on fare as a MileagePlus member, plus 2X miles on United purchases with the card.
5 total miles per $1 spent with United Hotels—2x miles as a MileagePlus member, 2X miles with the card, and 1X mile when you prepay through United Hotels.
2 miles per $1 spent on purchases from United including In-flight food, beverages, Wi-Fi and other United charges.
2 miles per $1 spent on dining, including eligible delivery services.
2 miles per $1 spent at gas stations, office supply stores, and on local transit and commuting.
1 mile per $1 spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main perks and benefits of the United Business Card:

$125 United Travel Credit: Receive $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year with your card.
$120 Instacart Credits: Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly though Instacart with the card. Benefits end 12/31/27.
$100 United Hotels Credit: Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels.
$100 Rideshare Purchases: Receive up to $100 back as a statement credit each calendar year on rideshare purchases when paying with the card. $8 back as a statement credit each month from January though November and up to $12 back for the month of December. Must opt-in annually.
$100 JSX Credit: Get up to $100 back as a statement credit each anniversary year when you book flights directly through JSX using the card.
$50 United Travel Credits: Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com.
$25 United FareLock Credit: Earn up to $25 back as statement credit each anniversary year after you buy FareLock with your card.
Earn Premier Qualifying Points: Earn 1 PQP for every $20 spent on the card, up to 4,000 PQPs in a calendar year.
First Checked Bag Free: Receive the first checked bag for free for yourself and up to one companion traveling with you on the same reservation.
United Club Passes: Every year, two United Club one-time passes will be deposited into your account.
U.S. Economy Plus Seat Upgrades: Earn 2 continental U.S. Economy Plus seat upgrades after spending $25,000 on purchases during the calendar year.
Priority Boarding: Receive priority boarding for yourself and companions traveling on the same reservation.
5,000-Mile Better Together Anniversary Bonus: Receive 5,000 bonus miles each account anniversary year if you also have a personal United credit card.
25% Savings In-Flight: Receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and Wi-Fi subscription purchases.
Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, Lost Luggage Reimbursement, Baggage Delay Insurance, Purchase Protection, and Extended Warranty Protection.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The United Business Card has an annual fee of $150.

The free checked bag perk alone will save you $80 per person, per round-trip, so if you normally pay for bags and especially if you travel with at least one companion, this will make up the fee after one flight.

On top of that, you have over $500 in annual partner credits that easily adds additional value to the card.

Authorized User Fee

The United Business Card does not have an authorized user fee. This means you can add additional employees to help build United miles faster and to earn Premier Qualifying Points (PQPs) towards Premier status.

Foreign Transaction Fee

The United Business Card has a 0% foreign transaction fee. This makes it a great option for earning United miles on purchases outside of the United States.