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Business credit cards to earn United miles – calculate the best

by on Wed June 19, 2013 • 2 Comments
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If you’re a business owner there are three primary credit cards for business that earn miles with United’s Mileage Plus program, our favorite for overall mile value. Two of them offer special mile earning bonuses like double miles on dining and gas only available to business credit card holders.

Here’s a rundown, then a special calculator…

United Explorer for Business – $95 annual fee, waived the first year, 2x miles per dollar on gas, dining, and United tickets (gas and dining bonuses are exclusive to the Business version of the card – the personal card does not have them). 10,000 mile annual bonus when you spend $25,000.  Also includes priority boarding, one free checked bag.

(The information related to the United MileagePlus Explorer Business Credit Card has been collected by MileCards.com and has not been reviewed or provided by the issuer of this card.)

United Club Card for Business  – $450 annual fee, includes United Club access, 1.5x miles per dollar on all purchases, 2x per dollar on United tickets. Includes priority boarding, security, 2 free checked bags.

(The information related to the United MileagePlus Club Card has been collected by MileCards.com and has not been reviewed or provided by the issuer of this card.)

Ink Plus for Business – $95 annual fee, waived the first year, 5x points per dollar on office supply, telecommunications spending (first $50,000 per year), 2x points per dollar on gas and hotels (first $50,000 per year). Points transfer 1:1 into United, Southwest, Marriott, British Airways, Hyatt, Amtrak, Priority Club, Korean Airlines, Ritz Carlton.

(The information related to the Ink Plus Business Credit Card has been collected by MileCards.com and has not been reviewed or provided by the issuer of this card.)

But the most interesting part is in your own spending mix. Because of the bonuses on gas, dining, office supplies, hotels, United, and telecommunications purchases offered by the cards the right one for you can vary widely. So we’ve developed the calculator below to show which card maximizes the number of United miles you can earn with each of the cards.

Just input your typical monthly spend in each category and it will do all the math for you, calculating the total annual miles you can earn.

We also added a category for combining cards. In many cases the best strategy is to carry two cards — the United Explorer for Business and the Ink Bold. That way you’ll get 2x points on all gas, dining, and hotel purchases, as well as 5x points on office supplies and telecommunications. Plus you’ll get the Explorer’s annual 10,000 point bonus. Neither card alone offers all of the bonuses, but if you use the correct card for each category you can really juice your earning power for just a second $95 annual fee, often to greater than 2 miles per dollar overall.

United MileagePlus® Explorer Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus miles

Intro Offer

$95

Annual Fee

Yes

Foreign Transaction Fee Waived

Earns United MileagePlus miles

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

2 thoughts on Business credit cards to earn United miles – calculate the best

  1. Laura

    How do I know what type of card I have now? My current card says “Mileage Plus Car” and is a chase business card.

    Reply
    1. MileCards.com

      @Laura – Best to call the number on the back of your card. There are at least a couple of versions for business (like the United Club Card for Business, and the United Explorer for Business).

      Reply

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