Earn miles and enjoy lounge access on business travel

The New United Club℠ Business Card: Calculator & Benefits Breakdown

Fees

Earning Rates

Earn 7 total United miles on United flights, plus more if you have Premier status.
Earn 5 United miles per $1 spent on hotels stays prepaid and booked through Renowned Hotels and Resorts.
Earn 2 United miles per $1 spent on all other eligible United purchases.
Earn 1.5 United miles per $1 spent on all other purchases.

Main Benefits

Complimentary United Club membership — $750 value per year.
Over $725 in annual partner credits.
Free first and second checked bags — Up to $360 saved per roundtrip.
Premier Access travel services.
Earn PQPs spending on the card, up to 28K PQPs annually.

Our Take

If you travel for business and you're looking for United Club access, I would recommend picking this card up. You'll save over $200 when compared to upright purchasing membership through United.

Last Updated: 04-04-2025

United Club Business Card miles calculator

Estimate how many MileagePlus miles you’ll earn with the United Club Business Card based on your company’s monthly spend. Compare it to other business travel cards, and evaluate the value of premium perks like United Club membership.

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 Club℠ Business Card Details

How to earn miles with the United Club Business Card

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

2 miles per $1 spent on purchases from United, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, and other United charges.
1.5 miles per $1 spent on all other purchases.

United Club Business Card miles value & calcuator

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United Club Business Card key benefits

Here are the main highlight of the United Club Business Card:

United Club Membership: Enjoy a United Club membership – up to a $750 value per year – as long as you remain a Cardmember. If you already have a United Club membership, you will be reimbursed for the unused portion of your membership once you're approved for the card.
United Club All Access Membership: Receive All Access membership after spending $50K each calendar year. This grants a total of 2 adult guests or 1 adult guest plus dependent children under the age of 18 access to all United Club locations.
$240 Instacart Credits: Receive two $10 Instacart credit monthly, up to $240 total each calendar year, for purchases made directly though Instacart with the card. Benefits end 12/31/27.
$200 Hotel Credits: Receive up to $200 in credits annually on prepaid hotel stays purchased directly through Renowned Hotels and Resorts.
$200 JSX Credit: Get up to $200 back as a statement credit each anniversary year when you book flights directly through JSX using the card.
$150 Rideshare Purchases: Receive up to $150 back as a statement credit each calendar year on rideshare purchases when paying with the card. $12 back as a statement credit each month from January though November and up to $18 back for the month of December. Must opt-in annually.
$100 United Travel Credits: Receive $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com.
$50 United FareLock Credit: Earn up to $50 back as statement credit each anniversary year after you buy FareLock with your card.
Two Free Checked Bags: Receive the first and second checked bag for free for yourself and up to one companion traveling with you on the same reservation — a savings of up to $360 per roundtrip.
Earn Premier Qualifying Points: Earn 1 PQP for every $15 you spend on purchases, up to 28,000 PQP in a calendar year.
Avis President's Club: Enroll in Avis President's Club and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more.
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, Return Protection, and Extended Warranty Protection.

United Club Business Card transfer partners & calculator

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United Club Business Card fees overview

Annual Fee

The United Club Business Card has a $695 annual fee.

The standard cost for United Club membership is $750, so picking up this card is a no-brainer if you're wanting lounge access as you'll not only save a few dollars, but you'll also receive a large handful of valuable benefits.

Authorized User Fee

Employee cards can be added to the United Club Business Card at no additional cost. This will help you earn United miles faster.

Do note that Authorized Users of the United Club Business Card do not receive their own access to United Clubs. Access only applies to the primary cardholder and to additional cardholders if traveling with the Primary cardholder.

Foreign Transaction Fee

The United Club Business Card does not have a foreign transaction fee. This means you can use the card outside of the United States to earn miles on your spending without penalty.