The United Mileage Plus Signature Visa® Card, issued by Chase, is designed for those who travel frequently with United Airlines and have an excellent credit history.
Through the reward program, cardholders earn one mile for every dollar spent on the card. Miles can be used for travel on United Airlines and can be combined with the United Airlines frequent flyer program. New cardholders receive 17,500 bonus miles after their first purchase and have the opportunity to earn additional miles at participating restaurants. Cardholders also receive a $25 United discount travel certificate and a free one-way, 1,000 mile, one-class upgrade certificate after their first purchase.
There is a yearly limit of 60,000 miles that can be earned. However, for Mileage Plus Premier®, Premier Executive®, or Premier Executive® 1K® members, there is no limit to the amount of miles that can be earned. Miles do not expire as long as the cardmember earns or redeems miles within a three-year period.
In addition to the reward program, the card offers a variety of additional cardholder benefits that include up to $1,000,000 in travel accident insurance, lost luggage insurance, a personal concierge service, and various travel and emergency assistance services.
This card has an annual fee of $60 and an above average APR for purchases when compared to other airline reward cards. There is also no introductory rate available.
The card uses the “Average Daily Balance” method in determining finance charges, which is less costly when carrying occasional balances, as compared to the "Two Cycles Average Daily Balance" method that is frequently used by Chase.
Therefore, those who can afford to pay in full each month (to avoid finance charges), currently fly with United Airlines (to combine earned miles with the frequent flyer program), and would like the additional travel services and discount certificates will benefit most from what the United Mileage Plus Signature Visa® Card has to offer.
Updated: June 1, 2006
Most Attractive Feature(s) : No pre-set spending limit; additional miles at participating restaurants; various additional benefits and services to cardholders; bonus miles.
Least Attractive Feature(s) : Slightly high annual fee.
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