United MileagePlus® Select
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How we calculate effective rate →
The United MileagePlus® Select 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 Select 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 Select compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
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 Select 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 Select?
The United MileagePlus Select 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 Select 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 Select have an annual fee?
The United MileagePlus Select 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
What benefits come with the United MileagePlus Select?
The United MileagePlus Select includes 25% Back on United Inflight and InClub in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
25% Back on United Inflight and InClub
Purchases Pay with your United Card and get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights and on purchases of premium drinks in United Club locations.
Related encyclopedia topics
Common questions about the United MileagePlus Select
Where do cardholders spend most with the United MileagePlus Select?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), groceries (2x) for the United MileagePlus Select. 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® Select from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the United MileagePlus Select have an annual fee?
The United MileagePlus Select 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 Select?
Dining is the strongest Madeen category for the United MileagePlus Select 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 Select charge foreign transaction fees?
The United MileagePlus Select does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the United MileagePlus Select?
Madeen's catalog lists a typical credit range of Excellent for the United MileagePlus Select. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the United MileagePlus Select compare to similar cards?
Compare the United MileagePlus Select 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 Select 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.
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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