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Credit & Charge Card Reviews (21): United MileagePlus American Express & Visa

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This is my review of the United Airlines MileagePlus credit cards issued in the UK.

It is part of my series of articles looking at the major UK loyalty credit cards and discussing whether or not they are worth applying for.  These articles will be linked to the relevant sections of the ‘Credit Card Offers‘ page.  My other UK airline and hotel credit card reviews can be found here.

Key link:  United Airlines MileagePlus credit card application form

Key facts:  No annual fee

The representative APR is 22.9% variable.

As with all rewards cards, this is not a suitable product for you if you do not clear your balance in full every month.  You should focus on a credit card with a low interest rate such as the Tesco Clubcard Mastercard Low Rate card. This has a very attractive representative APR of 5.9% variable – and you can transfer your Clubcard points into Avios or Virgin Flying Club miles.

About the card

The United Airlines MileagePlus cards are issued by MBNA. As with other MBNA airline cards (American, Miles & More, Emirates, Etihad), this is a combined Amex and Visa package.

United MileagePlus credit cards review UK

What is the sign-up bonus?

There is no sign-up bonus on this card at present, although it is occasionally increased to 10,000 to 12,000 miles.

Any other benefits?

No!

What do I earn per £1 spent on the card?

You earn 1.25 miles per £1 spent on the American Express and 0.625 miles on the Visa. This is an improvement on the old ‘Amex only’ United card, which only gave 1 mile per £1.

For a free card it is a decent rate – albeit worse than the 1.5 miles per £1 offered by MBNA on its American Airlines and Miles & More cards. MBNA has a good reputation in my experience for posting points punctually.

Annoyingly, this is still the best way to collect United miles from a credit card. The Starwood Preferred Guest American Express only lets you transfer Starwood points to United at a 2:1 ratio (most airlines are 1:1) – this was presumably done to protect United’s own card. United is also not an American Express Membership Rewards partner in the UK.

What is a United mile worth?

This is a tricky one, especially from the perspective of someone living in the UK. 

A one-way business class award to the Middle East is 45,000 miles. If you’re heading to the US, a one-way Saver-level award in business to New York would be 57,500 miles.  However if Saver seats are not there you are looking at a crazy 150,000 miles for a one-way ticket.

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.  Even an intra-Europe redemption on, say, Lufthansa or Swiss would run to 25,000 miles in economy (40,000 miles in business).

If you are topping off an existing United account from the credit card to reach a redemption level, you will obviously place a higher value on the miles from the credit card than someone with a zero balance.

How does this compare to a cashback credit card?

My default comparison card is the ASDA Cashback Credit Card which is free for life and offers 0.5% cashback.  The representative APR is 19.9% variable.

If you value a United MileagePlus mile at 1p then this card offers a better return. That said, as there are few other ways of collecting United miles from the UK apart from flying, I would not recommend it to someone with no existing United balance.

How else can you earn United miles from a credit card?

The Starwood Preferred Guest American Express credit card offers 10,000 Starwood Preferred Guest points for signing up.  These convert to 5,000 United miles.  It has a £75 fee, refunded pro-rata if you cancel.

Conclusion

If you collect United miles, I would hold off (unless you are planning major expenditure) until a temporary sign-up bonus comes back.

When you look at the on-going earnings, 1.25 miles per £1 on the Amex and 0.625 miles on the Visa is not bad, but still weaker than some other free MBNA airline cards.  The weak conversion rate of Starwood Preferred Guest points to United means that the SPG Amex is not a viable alternative.

The application form for the United MileagePlus credit cards can be found here.


Want to earn more points from credit cards? – February 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

Virgin Money is offering double points on spending until 14th April (£5,000 cap) to new customers when you apply for the Virgin Atlantic Reward+ Mastercard. Click here to learn more.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

American Express Business Platinum

Crazy 120,000 points bonus (to 9th April) and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

Huge 60,000 points sign-up bonus (until 9th April) and free for a year Read our full review

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

2% cashback on all your business spend for 3 months (1% thereafter) and no annual fee Read our full review

Comments (4)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Andy says:

    Doesn’t SPG to Marriott to United offer a decent way of obtaining UA miles?

    • Rob says:

      Short term, yes, that is an option for 2017 until SPG closes.

    • Simon says:

      There’s a 25% transfer bonus on all hotel points including Marriott until the end of the month.

  • Paul Roberts says:

    I have this United card and use it very occasionally just to ensure the miles/points I’ve accumulated from flights don’t expire.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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