United Business Card Calculator

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

The United Business Card is a great option for small business looking to earn United Miles on common business categories. The card offers a solid amount of benefits and also awards those who own a personal credit card with United.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The United Business Card features five bonus categories that will earn you extra United Miles per $1 spent. Those categories are United Airlines, restaurant, gas station, office supply store, and transit/commuting purchases. There's no limit to the amount of United Miles you can earn spending in those bonus categories and no limit to the amount of United Miles you can earn with the card in general.

  • 2x United Purchases
    • Includes purchases made directly with United such as:
      • United Airline Tickets
      • Seat Upgrades
      • In-Flight Food, Beverage, and Wi-Fi
      • Baggage Service Charges
      • Other United Fees
    • You will not receive bonus miles for purchases made with:
      • United Cruises
      • MileagePlus X
      • DIRECTV
      • Merchandise Awards
  • 2x Restaurant
  • 2x Gas Station
  • 2x Office Supply Store
  • 2x Transit/Commuting
    • Includes taxis, mass transit, tolls, and rideshares.
  • 1x Non-Category

Perks & Benefits

The United Business Card comes with a bunch of useful benefits including a free checked bag, annual travel credit, and United Club passes.

  • Free Checked Bag
    • Must use card to pay for your United airfare ticket.
    • Up to one companion traveling on the same reservation can also get their first bag checked free.
    • Does not apply to employee cards unless they're on the same reservation as the cardholder.
  • 25% Off In-Flight Purchases
    • Applies to in-flight purchases of food, beverages, and Wi-Fi on United-operated flights.
    • Discount is in the form of a statement credit.
  • 2 United Club Passes
    • Receive two United Club passes annually.
    • Passes will be deposited into your United account.
  • $100 Annual United Travel Credit
    • Receive this credit every year that you use your card to make seven (7) United Flight purchases totaling $100 or more.
    • Triggering purchases include seat upgrades; Economy Plus; in-flight food, beverages and Wi-Fi; baggage service charges or other United fees.
  • Anniversary Points For Personal Cardholders
    • Receive 5,000 Anniversary Points if you also own a personal United Credit Card.
    • Includes cards such as the United Explorer, United Club Card, and United TravelBank Card.
  • Priority Boarding
    • Everyone traveling on the same reservation will receive this benefit.
    • Applies to United-operated flights.
  • Luxury Hotel & Resort Collection
    • Provides special hotel benefits when booking through the LHR Collection with your card including:
      • Daily Breakfast For Two
      • A Special Benefit Unique To Each Property (such as a dining/spa credit)
      • Complimentary Wi-Fi
      • A Room Upgrade (if available)
      • Early Check-In (if available)
      • Late Check-Out (if available)
  • Travel & Purchase Protections

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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.
Compare A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
Family Cards
These cards are part of the same family.
Loading...
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Loading...
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
Review our top picks for best airline credit cards and calculate which cards will earn you the best return based on your spend.
Enter how much you spend monthly or yearly across different categories in our calculator and get a list of credit cards best suited for you.
Get matched with personalized offers you're more likely to qualify for based on your credit profile. No impact to your credit score!

Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.
Updated 2020-06-30 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU