United Airlines has recently implemented significant changes to its MileagePlus program, creating a clear divide between those who hold a United credit card and those who don't. While these changes may seem daunting, they also present an opportunity for savvy credit card users to leverage their cards for maximum rewards. Let's dive in.

Understanding the Shift

United's moves essentially incentivize loyalty through credit card spending. Non-cardholders may find it more difficult to earn elite status or accrue miles at the same rate as before. This shift underscores a growing trend in the airline industry: rewarding financial loyalty as much as, if not more than, actual flying.

How United Cardholders Benefit

United credit cardholders are now positioned to earn elite status more easily, potentially through spending thresholds or bonus miles awarded for hitting spending milestones. Expect to see enhanced earning rates on everyday purchases, accelerated progress toward Premier Qualifying Points (PQPs), and potentially even waivers on Premier Qualifying Flights (PQFs) requirements with significant card spending. These benefits translate to faster access to perks like upgrades, priority boarding, and free checked bags.

Maximizing Your MileagePlus Rewards with a Card

Here's how to make the most of these changes:

  • Choose the Right Card: Evaluate the different United credit card options. Consider the annual fee, bonus categories (dining, gas, travel), and included perks. A card with a higher annual fee might be worth it if you frequently fly United and can utilize the benefits.
  • Meet Spending Requirements: Many cards offer welcome bonuses for meeting a spending requirement within the first few months. Strategically plan your purchases to hit these targets and earn a substantial bonus mile boost. For example, if a card offers 60,000 bonus miles for spending $3,000 in 3 months, aim to spend $1,000 per month on everyday expenses.
  • Utilize Bonus Categories: Maximize your earning potential by using your United card for purchases in bonus categories. If your card offers 2x miles on dining, use it every time you eat out. This simple habit can significantly increase your mile accumulation.
  • Track Your Progress: Use the RewardSmart app to track your spending and monitor your progress towards elite status or other spending-based rewards. Set spending goals and receive notifications to stay on track.
  • Consider a Business Card: If you own a business, a United business card can offer additional benefits and spending opportunities to accelerate your mile earning.

What if You Don't Want a United Card?

While United is pushing its credit cards, you can still participate in the MileagePlus program without one. Here are a few tips:

  • Focus on Flying: Earn miles by flying United or its partner airlines. Look for fare sales and maximize your miles earned per dollar spent. Consider booking flights during promotional periods that offer bonus miles.
  • Explore Partner Programs: Earn miles through United's partners, such as hotel chains and car rental companies. Link your accounts and take advantage of bonus mile offers.
  • Use a General Travel Card: If you prefer not to be tied to a specific airline, consider a general travel rewards card that offers flexible points that can be transferred to United or other airlines. This gives you more flexibility in how you redeem your rewards.

Final Thoughts

United's recent changes emphasize the value of airline credit cards. By strategically choosing and using a United credit card, you can unlock valuable benefits and accelerate your path to elite status. Even if you prefer not to get a United card, you can still participate in the program by focusing on flying and utilizing partner programs. Use RewardSmart to compare card options and track your progress towards your travel goals.