Do you know you could pay the annual payment in your United bank card utilizing your airline miles? It is referred to as “Pay Your self Again” — however I am not speaking about utilizing your Chase Final Rewards factors with the Chase Pay Your self Again program.
As a substitute, you’ll be able to pay your card’s annual payment with common United Airways MileagePlus miles.
In the event you did not know this, you are not alone. Discovering this info is not the simplest for the reason that web site with extra particulars is not extensively publicized and would not present a lot in the way in which of particulars.
Let’s stroll you thru find out how to pay your United bank card’s annual payment utilizing United miles.
Playing cards eligible for this function
United provides a number of cobranded bank cards, together with the next:
The knowledge for the United Membership Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: How you can unlock further award availability with United
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How you can pay your card’s annual payment with United Airways miles
There’s a web site outlining this selection: selections.unitedmileageplus.com. It mentions that you should use miles to repay your annual payment, however sadly, it says you need to name the quantity on the again of your card to start out the method or go to Chase’s Pay Your self Again function.
Furthermore, the phrases on the backside of the web page have just a few essential factors it is best to notice:
- This function is simply accessible after you’ve got paid your annual payment throughout the final 90 days, that means you have to to pay the payment first after which use United miles as a reimbursement after the actual fact.
- Redemption values aren’t revealed and might change at any time. Proper now, the worth is 1.5 cents per mile (extra on that under).
- The assertion credit score will seem in your account inside three enterprise days, and you may see the reimbursement and use of miles in your billing assertion inside one or two billing cycles.
- Reimbursement of your annual payment utilizing miles doesn’t depend as a fee to fulfill your minimal fee due that month, so guarantee any minimal funds are nonetheless met.
There are just a few methods to get began. You’ll be able to name the quantity on the again of your United bank card as a primary technique. Keep in mind to pay that payment first and then request to make use of your United miles as a reimbursement.
There are two different methods to pay your annual payment with miles. This web site outlines find out how to redeem your miles in opposition to your annual payment on-line. It is a quite simple course of so long as you comply with the instructions.
Lastly, you’ll be able to full this course of within the Chase app. Log in to the app and choose your United card. Then go to the Rewards and Advantages part and choose Pay Your self Again.
Associated: United Premier standing: How you can earn it — and is it price it?
What it prices
How a lot does it value? Or, to rephrase this query, what number of miles will you want?
Since you’ll pay the annual payment and search reimbursement together with your miles, let’s take a look at the price when it comes to what number of United miles you may finally use to reimburse your self after paying the annual payment in your United bank card.
You should utilize your United Miles at 1.5 cents apiece in opposition to your card’s annual payment. Regardless of this, on-line boards present that some cardholders have acquired focused electronic mail provides to make use of United miles as excessive as 1.75 cents apiece in opposition to their card’s annual payment.
TPG April 2025 valuations peg United Miles at 1.35 cents every. Thus, this redemption is above the common worth for United miles. At face worth, it seems like a fairly whole lot.
That stated, should you routinely redeem your miles for first—and business-class awards, you’re doubtless getting greater than 1.5 cents every in worth out of your United miles. On this scenario, you could be hesitant to make use of your miles on this approach.
Total, although, this can be a honest use of United miles when contemplating all your redemption choices, nevertheless it’s finally as much as you to resolve whether or not that is the perfect use of your miles.
Listed here are roughly what number of miles you’ll be able to anticipate to pay based mostly in your card’s annual payment (remember the fact that these can change at any time):
- United Enterprise Card ($150 annual payment): 9,868 miles
- United Membership Enterprise Card ($695 annual payment): 45,724 miles
- United Membership Card ($695 annual payment): 45,724 miles
- United Explorer Card ($0 introductory annual payment for the primary yr, then $150): 9,868 miles
- United Quest Card ($350 annual payment): 23,027 miles
Is paying your United Card annual payment with United miles price it?
Whether or not this course of is price it depends upon the variety of miles it should value, the sorts of redemptions you sometimes do with United and what number of miles you’ve got accessible. Do not forget that it’s good to pay your card’s annual payment upfront.
Until you routinely e book first—and business-class award tickets with United, overlaying your card’s annual payment with United miles is a good way to make use of them. TPG senior editorial director Nick Ewen has the United Explorer Card and is contemplating this selection.
Backside line
It is good to have the choice to make use of your United miles to offset your United bank card’s annual payment. Although not everybody will discover worth on this relying on how they like to make use of their miles, the power to decide on provides flexibility. In the event you’re curious about utilizing your United miles to reimburse your card’s annual payment, name the quantity on the again of your card or go to the Chase app or web site to get began.
To study extra, learn our information on the finest United playing cards.
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