United MileagePlus®
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How we calculate effective rate →
The United MileagePlus® from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x miles.
What does the United MileagePlus earn in each category?
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United MileagePlus compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 2x.
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United MileagePlus compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 2x miles | 2.4% |
| Gas Gas stations and fuel | 2x miles | 2.4% |
| Travel Flights, hotels, transit | 1x miles | 1.2% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the United MileagePlus?
The United MileagePlus fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles.
United MileagePlus fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.4% effective (2x miles).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- United MileagePlus value depends on how you redeem, not straight cash back.
Does the United MileagePlus have an annual fee?
The United MileagePlus has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the United MileagePlus
Where do cardholders spend most with the United MileagePlus?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), groceries (2x) for the United MileagePlus. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the United MileagePlus credit card worth it?
The United MileagePlus® from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
How much is 70,000 United miles worth?
Dining is the strongest Madeen category for the United MileagePlus at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How much is 50,000 United MileagePlus miles worth?
Dining is the strongest Madeen category for the United MileagePlus at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United MileagePlus have an annual fee?
The United MileagePlus carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United MileagePlus?
Dining is the strongest Madeen category for the United MileagePlus at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How does the United MileagePlus compare to similar cards?
Compare the United MileagePlus against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United MileagePlus This card | Dining | 2.4% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure