The United Mileage Plus Club Card earns a 50% bonus on all spending, so you earn 1.5 United miles per dollar spent. United purchases earn 2 miles per dollar spent.
Use the calculator below to see how the United Mileage Plus Club Card’s 50% mile bonus earning power stacks up versus the other United credit card options — the United Mileage Plus Explorer and the Chase Sapphire Preferred® Card. Both of those carry a lower $95 annual fee versus the $395 on the Mileage Plus Club Card, though lack United Club lounge access.
The twist on mile earning is that the basic $95 per year United Explorer earns a 10,000 mile bonus when you spend $25,000 on the card in one year. So if you spend about $25,000 per year, you earn a powerful 1.4 miles per dollar spent (10,000 mile bonus +25,000 miles earned by spending divided by $25,000 spend). But if you spend much beyond that the earning starts to decline as get further from that bonus threshold. And if you spend less than $25,000 per year you’ll be earning about 1 mile per dollar spent.
The United Mileage Plus Club card always earns at least 1.5 miles per dollar you spend, and 2 miles per dollar for United purchases.
For a more comprehensive view of how the United Mileage Plus Club Card stacks up against the other United credit cards, and other airline credit cards, use our Mile Credit Card Comparison Calculator. It will factor in things like baggage fee waivers and all of your spending net of annual fees to show which credit cards offer the most dollar value to you.
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