12,000 United MileagePlus miles bonus with their free UK credit card

The United Airlines MileagePlus Amex credit cards (issued by MBNA) have the unique distinction of offering NO sign-up bonus for much of the year.

Then, once or twice a year, they run a promotion. This is one of those times.  Via the MBNA website, you can now earn 12,000 bonus United miles when you take out their cards.

The cards are free and you only need to spend £1500 within 90 days to trigger the bonus. This can be achieved across either or both cards.

The offer ends on November 15th.

The representative APR is 18.9% variable.  The cards have no annual fee.

United credit card

As is the model with MBNA cards (Lufthansa, American, Etihad, Emirates etc) it comes as a double-pack with an American Express and a Visa.

Here are the core facts:

Generous (for a free credit card) sign-up bonus of 12,000 United MileagePlus miles

No annual fee

Very good earning rate (for a free card) of 1.25 miles per £1 on the American Express and 0.625 miles on the Visa

United is a Star Alliance member so you can redeem across all 20+ Star airlines – from the UK, this will often involve Lufthansa or Swiss via a connection

It is worth noting that United is the only airline to enforce a particularly poor exchange rate with Starwood Preferred Guest. It does this in order to protect its own credit card. Whilst almost all other airlines transfer at 1:1 from Starwood, United transfers at an amazingly poor 2:1. This means that these MBNA cards are the only realistic way in the UK to earn United miles on credit card spend.

United is not an American Express Membership Rewards partner so you cannot top up your balance that way.

Here is a PDF of their award chart with Star Alliance awards on page 3.

A one-way business class award to the Middle East from the UK is 45,000 miles so the credit card bonus would leave you well short.  This is cheaper than an Avios redemption on a peak date.  If you’re heading to the US, a one-way Saver-level award in business to New York would be 57,500 miles – roughly the same as the Avios requirement on a peak date (60,000 Avios).

Please note United’s nasty fees for changes or cancellation, or indeed booking less than 21 days before departure.

In the main, because you now can’t get very far on United unless you have a very large miles balance, the main beneficiaries of this deal will be people who already have some MileagePlus miles they want to build up. I would not recommend jumping in if you do not already have a MileagePlus account.

You can sign up via the MBNA website.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker even though MBNA does not pay me a penny!  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated ‘Credit Cards’ page or use the link in the menu bar at the top of the page.)

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Comments

  1. Could the 12k be used for a eu redemption on a *alliance flight to Swiss or Germany ?

    • Yes, although remember to RFS to help – I did LHR-FRA-TRN on LH a couple of years ago, cost me 12,500 + $92.50 – was still vastly cheaper than cash would have been for a one-way ticket on that date, but more than BA RFS would have been.

      • Not bad but it would not justify the application for a new card for me. I am thinking to go for the etihad actually but i have to run some excel tests to see if and how it can be worth for me!

    • Yes but tax is high

    • If I were you I’d save them for a good value flight. You can get cash flights within Europe for less than what you’d be paying in taxes and charges on a Lufthansa redemption!

      The best sweet spot I’ve managed to take advantage of is Central America to the Galapagos islands for 10,000 united miles – a flight that can easily cost several hundred pounds at its cheapest. And if you save enough for a return (which didn’t have to go back to where you started) you can even add in a free stopover.

  2. Don’t forget if you hold an other MBNA card they may reject your application. You can appeal and ask them to “split” your total credit limit over the 2 cards which they usually agree to.

  3. Is there other benefits like free bag on US travel & silver status mileage plus or equivalent? United fly to the states from many regional airports, much handier than the Heathrow slog!