United Business Card Calculator

Card Details & United Miles Calculator
2x United Airlines
2x Gas Station
2x Office Supply Store
2x Restaurant
2x Transit/Commute
25% Off In-Flight
First Checked Bag Free
Priority Boarding
2 United Club Passes
$100 United Travel Credit w/ Spend
Bonus Miles w/ Personal Cards

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 replaces the old United Explorer Business Card and turns it up a notch by adding a few additional benefits. It is a great option for small business looking to earn United Miles on common business categories and it also awards those who own a personal United Card as well.

Bonus Categories

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

Sign Up Bonus (SUB)

The standard sign up bonus for the United Business Card is 60,000 bonus United Miles after you spend $3,000 on purchases within the first 3 months of account opening.


Annual Fee

The United Business Card's annual fee is $0 the first year, then $99. With all the benefits that come with the card, $99 is not a bad price to pay for the second year onward. The free checked bags benefit alone can easily make up for the fee if you don't have elite status with United. If you have a personal card with United, the 5,000 Anniversary Points adds to the card's value.

Authorized User Fee

There is no fee associated with adding additional employee cards to the United Business Card. If you're looking to build your balance of United Miles, I recommend adding employees (or family/friends) to the card to help earn miles faster.

Foreign Transaction Fee

The United Business Card has a 0% foreign transaction fee which makes it a great option for those looking to earn United Miles internationally. The 2x transit and restaurant categories can be useful for international travelers, but you'll want to consider the Chase Ink Business Preferred if you want to earn a slightly higher 3x miles on travel spend.

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.
Compare A Card
Edit Card Options
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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