United Club Business Card Calculator

Card Details & 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.

  • 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
  • 1.5x Non-Category

Perks & Benefits

The United Club Business Card comes with several benefits that can be useful which includes United Club membership, checked bags, and benefits with Hertz.

  • United Club Membership
    • Grants access to United Club locations and participating Star Alliance affiliated lounges around the world.
  • 2 Free Checked Bags
    • Must use card to pay for your United airfare ticket.
    • Up to one companion traveling on the same reservation can also get their first and second bag checked free.
    • Does not apply to authorized users unless they're on the same reservation as the cardholder.
  • Premier Access Travel Services
    • Includes:
      • Priority Check-In
      • Priority Security Screening
      • Priority Boarding
      • Priority Baggage Handling Privileges
  • Hertz President's Circle Status
  • 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
    • 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 (SUB)

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.


Annual Fee

The annual fee for the United Club Business Card is $450. 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 more than the annual fee of the card, so you will usually 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.

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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
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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