|by Mr Credit Card|
Summary – The United Mileage Plus® Select® Visa Card is one of four United Airlines credit card available. It is the “third best” (“third level” – however you want to address it) above the Signature Visa version. In our opinion, this is the card with the most value because you can earn triple miles. Let’s find out more about this card.
Miles Rewards – With this card, you can earn 3 miles per $1 spent on eligible United and Continental purchases (recall that United and Continental are merging). Aside from Continental and United ticket purchases, you can also earn 2 miles per $1 spent on eligible gas, home improvement purchases, groceries dining and Star Alliance purchases. With regular purchases, you earn 1 mile per $1 spent.
Elite Qualifying Miles – Cardholders can earn up to 5,000 EQM each Year at a rate of 1 EQM for each $1 of net purchases at United.com If you have more than one United Visa account you can earn EQM on each account. EQM will appear on each account statement; however, under the United Mileage Plus terms and conditions, the maximum number of EQM that can be awarded to your United Mileage Plus Member Number is 10,000 each calendar year.
Sign Up Bonus – New cardholders get 30,000 bonus miles, which is enough for a roundtrip Saver Award ticket to anywhere in the continental United States. After you have spent $250 on the card, you get a $50 United discount travel certificate.
Anniversary Bonus Miles – Cardholders will get 5,000 bonus anniversary miles every year they keep their card.
Fees – The annual fee for this card is $95. The APR is 13.24% and you do transfer a balance at that rate.
Verdict – Among the four cards that United has, I think this one represents the best value. The reason is because it allows you to earn triple miles on airline ticket purchases (with United and Continental off course) and also double miles on things like gasoline. Furthermore, you can also earn EQM (Elite Qualifying Miles) – but you have to make purchases at United.com. It is definitely a step up over the regular United Mileage Plus® Signature Visa® Card (which does not allow you to even earn double miles! or EQMs).
The next level up is the United Mileage Plus® Access Visa Card (which has a $275 annual fee) and it only allows you to earn one mile for every dollar that you spend! Yes, it allows you to earn 10,000 EQMs when you spend $35,000 (does not need to be on United.com) and you get a couple of other perks. But you can earn more miles with this card.
For folks who would like to earn lots of miles on either United or Continental and some EQMs as well, the United Mileage Plus® Select® Visa Card is the card we would recommend.