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What is the best replacement for your United Airlines MileagePlus UK credit card?

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MBNA has written to holders of the United Airlines MileagePlus UK credit cards this week to tell them that they are closing on 21st July.

This was always an odd card which – most of the time – had no sign-up bonus attached to it.  The earning rate was also lower than some of the other MBNA airline cards.  However, because United has no American Express relationship and an odd deal with Starwood Preferred Guest, its own card was still the easiest option.

Today I thought I would run through the options if you still want to collect United Airlines MileagePlus miles from a credit card, or want an interesting alternative from another airline.  As it happens, things have perked up substantially since Marriott (which has a generous United transfer rate) acquired Starwood (which has a UK credit card and is also an Amex partner).


Why did this happen?

You should NOT assume that these cards will return under a new issuer.

Two linked events caused this.  The core driver was the European Union cap on interchange fees.  This restricted the fee that payment processors could charge retailers for accepting credit cards to 0.3%.   It is very difficult to run a successful mileage card on this basis.

The second driver was American Express being caught up in the 0.3% cap, even though it was originally expected to be exempt.  American Express decided to pull all of its licensed cards from the market, which means that MBNA, Lloyds, TSB and Barclays had to stop issuing Amex-branded products such as the United Airlines cards.

SPG Amex

What is your best alternative to the United Airlines UK credit card?

There are a number of ways of looking at this.  Let’s run through them.

Scenario 1:  You want a card which still lets you earn United Airlines miles at a decent rate

The good news is that there are still ways to earn United Airlines miles from a credit or charge card in the UK.

The highest miles earning option is the Starwood Preferred Guest American Express credit card You can get up to 1.35 miles per £1 spent which is better than the old MBNA cards!

This page shows the rates to United from the merged Starwood / Marriott programme:

3 Marriott or Starwood points gets you 1.1 United Airlines miles

You get a 5,000 mile bonus if you convert 60,000 Marriott or Starwood points in one transaction 

The annual fee on the SPG card is £75 and you get a sign-up bonus of 30,000 points.  This makes the card well worth getting for the first year at least.

United Airlines is NOT an American Express Membership Rewards partner.  This means that you cannot earn miles directly from either American Express Preferred Rewards Gold or American Express Platinum.

The only thing you can do is transfer your Amex points into Starwood / Marriott Rewards and on to United via the route above.  The rate would be:

2 Amex Membership Rewards points = 3 Marriott / Starwood points = 1.1 United miles

This means you’re getting 0.55 United miles per £1 spent on an Amex Gold or Platinum.  These cards DO come with excellent sign-up bonuses though.  Amex Gold comes with 20,000 points for signing up, whilst Amex Platinum comes with 30,000 points.  Amex Gold is free for the first year.

Even if it isn’t the best deal for day to day spending, you should consider taking out a ‘free for a year’ American Express Preferred Rewards Gold and banking over 10,000 United Airlines miles from converting the sign-up bonus to Starwood points, then to Marriott Rewards points and then to United!

Best American Airlines UK credit card replacement

Scenario 2:  You specifically want a Visa or Mastercard to collect United Airlines miles

Earning MileagePlus miles from a Mastercard or Visa now is now tricky.  You can’t get near the 0.625 miles per £1 that the free MBNA card offered.

The only slightly decent Visa / Mastercard option is via the IHG Rewards Club Mastercard (0.2 miles per £1, assuming you convert 10,000 IHG points into 2,000 airline miles) or, with the £99 IHG Rewards Club Premium Mastercard, 0.4 miles per £1.

There is a sign-up bonus on these cards.  The free IHG Mastercard comes with 10,000 IHG points, worth 2,000 United Airlines miles.  The £99 Premium card comes with 20,000 IHG points, worth 4,000 United Airlines miles.

Scenario 3:  You want a credit card which allows you to collect a different sort of Star Alliance miles

Not easy.  Since the Lufthansa and United Airlines cards were closed to new applicants in November 2017, there have been no dedicated Star Alliance UK credit cards.

Via American Express Membership Rewards:

You can collect with the following Star members via an American Express Platinum or American Express Preferred Rewards Gold or Amex Rewards card and then converting your Membership Rewards points to airline miles:

  • SAS – 1 mile per £1
  • Singapore Airlines – 1 mile per £1

Via Starwood Preferred Guest American Express partners:

The SPG American Express card has a sign-up bonus of 30,000 points in the combined Starwood / Marriott scheme.  This means that you would receive 10,000 miles in most of the schemes listed below which is a decent start if you are opening a fresh account.  These are the Star Alliance members which are SPG airline partners:

  • Aegean – 1 mile per £1
  • Air Canada – 1 mile per £1
  • Air China – 1 mile per £1
  • Air New Zealand – 1 point per £65
  • ANA – 1 mile per £1
  • Asiana Airlines – 1 mile per £1
  • Miles & More – 1 mile per £1
  • Singapore Airlines – 1 mile per £1
  • Thai Airways – 1 mile per £1

Via the IHG credit cards:

The IHG Rewards Club credit card earns a poor 0.2 miles per £1 of credit card spend, although if you have the IHG Rewards Club Premium credit card, this is doubled to a more reasonable 0.4 miles per £1.  Star Alliance partners apart from United are: Air China, Air New Zealand (£400 spend = 1 point), ANA, Asiana Airlines, Copa (via Globalpass), Miles & More, Singapore Airlines, South African Airways, TAP Air Portugal and Thai Airways.

HSBC Premier is also an option if you want Singapore Airlines miles.  It has an excellent Visa / Mastercard rate (0.5 miles per £1 on the free card, 1 mile per £1 on the paid card).  You need a HSBC Premier current account, however, which has tough income and savings criteria.

As far as I can see, the only Star Alliance members with no UK credit card earning ability are Egyptair, Ethiopian and EVA Air.  Shenzhen Airlines uses Air China’s PheonixMiles programme, which can be accessed via Starwood, IHG, Marriott and Hilton.

Best American Airlines UK credit card replacement

Scenario 4:  You want a high-earning Visa or Mastercard and are willing to move away from Star Alliance

Without a doubt, the two Virgin Atlantic Mastercards are the most generous Visa or Mastercard products available – either the Virgin Reward Mastercard (free, 5000 miles bonus) or Virgin Reward+ Mastercard (£160, 15000 miles bonus).

You get 0.75 miles per £1 on the free card and 1.5 miles per £1 on the paid card.  This is FAR better than any Avios or hotel card.  The free Virgin Atlantic card equals, at 0.75 miles per £1, is more than you were getting for non-Amex spend from your old United Airlines credit card.  You also get a 2-4-1 or upgrade redemption voucher for hitting spending targets.  The only downside is that, with no short haul routes, you are unlikely to earn enough miles purely from the credit card to get a good redemption so the cards are best suited to regular Virgin flyers.

The best long-term cards for an Avios / Asia Miles / Etihad Guest / Singapore Airlines Krisflyer collector (if you have a high income) are the HSBC Premier Mastercard or HSBC Premier World Elite Mastercard

If you simply want a free Visa or Mastercard and collect Avios, the best option is the Tesco Clubcard Mastercard.  You get 1 Clubcard point per £8 spent which translates into 0.3 Avios per £1.  However Tesco rounds down each transaction to the nearest £8 which means your actual earning rate is lower.  You get extra value because Clubcard points have many uses – as well as Avios, you could send them to Virgin Flying Club or a totally different Clubcard partner altogether, such as Uber or

Want to earn more points from credit cards? – September 2023 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.

SPECIAL OFFER: The sign-up bonus on the Virgin Atlantic Reward+ Mastercard is doubled to 30,000 Virgin Points if you apply by 2nd October. You receive 15,000 Virgin Points with your first purchase and a further 15,000 points if you spend £3,000 within 90 days. Apply here.

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

30,000 points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

30,000 bonus points (SPECIAL OFFER TO 2ND OCTOBER) 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:

American Express Business Platinum

40,000 points bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus 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

1% cashback and no annual fee Read our full review

Comments (23)

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

  • Carl says:

    OT. Do you still get access to the Virgin Australia domestic lounges by showing a UK Amex platinum card? I’m living here for a few months so it could be useful.

    • Rob says:

      It has never been clear if UK Plats were ever meant to be included, but it seems to work.

  • Tom says:

    They wrote to me saying my Miles & More cards will be closed in 28July. I knew this was coming and it’s unfortunate.

  • Peter Farrow says:

    What is the best way to keep my United Airlines miles alive now their credit cards have gone?.. I don’t really want to add to them, just don’t want to loose them.

    • Rob says:

      I only see myself using this card abroad where I am generally charging high 3-figure to low 4-figure hotel bills, so the rounding won’t matter much.

    • Oh Matron! says:

      E-rewards and the odd survey.

    • Callum says:

      You can just use their online shopping portal and buy something for a dollar or two.

  • Dev says:

    This is getting silly now…..the EU has single handedly killed the affinity points credit card market. How can they say they are acting in the Interests of consumers when the only choices as a result of their actions is now premium cards with a fee and stringent eligibility criteria. What were chances of MBNA abandoning these products if the cha few did not come into force?

    • Cal says:

      The UK was a main proponent of this particular EU legislation, and have actually went further than the EU law and have included Paypal and other payment systems as well.

    • Rob says:

      Because they are. Because when you use a card and the shops pays 1.5% to Visa, cash (potentially poorer) shoppers are subsidising you.

      • S says:

        Though nothing stops the shops that were previously charging fees for paying with card from just raising their prices across the board to make up for it?

        I can’t possibly see how is it beneficial to consumers.

        • the real harry1 says:

          It’s beneficial to me! 🙂

          My Texaco has stopped charging 50p to use Paypoint Amex (council tax etc) lol

        • Rob says:

          If a shop is now paying 1.2% less to accept credit cards, there is clearly less pressure to increase prices across the board – which benefits all customers.

          The idea that you can just randomly increase prices when your costs increase breaks every fundamental law of economics including several which have won Nobel Prizes, so if you have some insight here I think a trip to Sweden could be on the cards for you 🙂 Probably get to meet Trump as he picks up his Nobel Peace Prize.

      • Andrew says:

        I’m not so sure if cash shoppers are truly subsidising card users.

        The basic fee for banking cash varies between banks, but it’s usually in the region of 90p per £100 deposited – so 60p per £100 less at first glance.

        Then there’s the change handling fee (around £1.50 per £100 exchanged) and the sheer time wasted balancing the till and taking the cash to the bank or dealing with cash remittances via a security company. Say £7.83 an hour living wage on handling cash and £25 for a security pick up.

        • Peter K says:

          A local butcher said it cost him less for people to use contactless than cash. He was charged over 2% to deposit cash and a flat fee (11p IIRC) for contactless.

        • the real harry1 says:

          and all the expense of processing cash, in-house theft etc

          I’m doing my best to help, about the only cash I withdraw now is £15 a week that my daughter needs for bus up the hill/ taxi down to station after school

  • Genghis says:

    I thought Virgin Money offering a VS card was more to do with brand building?

    • Andrew says:

      How long is the Virgin Money brand going to be with us if Clydesdale is successful?

    • Rob says:

      Correct. They do not have much of a credit card business and are happy to do this uneconomically (in my view) to build one. It is interesting to see the comments on their card business in the articles about the proposed takeover of VM by Yorkshire / Clydesdale. Similarly, VA treats the card as a marketing tool and presumably is selling the miles disproportionately cheaply.

  • mxy says:

    Worth knowing: you can credit SAS, Singapore Airlines, South African Airways and Air China to Virgin Flying Club, all of whom are Star Alliance.

    • Rob says:

      But not SAA flights from London though – as Anika found out when she flew it.

  • Daphne Gilbert says:

    The alternatives are really disappointing. Many retailers don’t accept Amex cards.

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

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