Miles & More® World Elite Mastercard® vs United℠ Business Card
Side-by-side comparison
| Miles & More® World Elite Mastercard® | United℠ Business Card | |
|---|---|---|
| Annual fee | $89 | $150 |
| Welcome offer | 70,000 miles | 100,000 miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $498 | $570 |
| Points type | Locked to Miles & More | Locked to United MileagePlus |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Miles & More® World Elite Mastercard® earns about $498 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The Miles & More® World Elite Mastercard® charges $89, which you clear through its rewards and perks. The United℠ Business Card charges $150, which you clear through its rewards and perks. The two are close on value, but the United℠ Business Card edges ahead by about $11 a year, mostly because it earns more where you spend most, on office supplies. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the United℠ Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Business Card if your spending leans toward office supplies.