Rewards
Base earn rate0.75x miles per $1 on everything else
ProgramMileagePlus
Welcome bonusUp to 25,000 miles to get you started
Rewards typemiles
Fees & rates
Annual fee$89
Purchase interest rate19.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Your first bag flies free on eligible United-operated flights
⭐
Board ahead of the crowd with Group 2 priority on United-operated flightsfor you and your travel companions
🛂
Receive a statement credit toward your NEXUS application or renewal fee, once every 5 years
up to 120 USD
⭐
Star Alliance network access to earn and redeem miles across United and 25+ Star Alliance partners
⭐
Instant virtual card access before physical card arrives
⭐
Real-time alerts and card controls (freeze card, check PIN, track spending)
⭐
Advanced fraud monitoring with AI-powered detection
⭐
Auto-Pay feature to set up automatic payments
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
trip cancellation
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident