{"id":150423,"date":"2025-04-17T22:10:01","date_gmt":"2025-04-17T22:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=150423"},"modified":"2026-04-08T14:12:58","modified_gmt":"2026-04-08T14:12:58","slug":"united-money-and-miles","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/airlines\/united-mileageplus\/united-money-and-miles\/","title":{"rendered":"You Can Redeem MileagePlus Miles for a Fixed Value via United Money + Miles \u2014 But Should You?"},"content":{"rendered":"<p>United\u2019s Money + Miles option lets you redeem your MileagePlus miles toward the cost of a paid ticket \u2014 giving you the flexibility to reduce out-of-pocket costs while still earning miles and elite status credit on the flight. Sounds great, right?<\/p>\n<p>Not so fast. The redemption rate is often weak, and you lose some of the flexibility that makes traditional award tickets so valuable. Still, for certain travelers \u2014 especially Premier elites or United credit cardholders who get a higher redemption rate \u2014 there are a few scenarios where Money + Miles could be worthwhile. Here\u2019s when it makes sense &#8212; and when it definitely doesn\u2019t.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Is_United_Money_Miles\">What Is United Money + Miles?<\/a><ul><li><a href=\"#United_Money_Miles_restrictions\">United Money + Miles restrictions<\/a><\/li><\/ul><\/li><li><a href=\"#How_to_Book_Using_United_Money_Miles\">How to Book Using United Money + Miles<\/a><\/li><li><a href=\"#Is_United_Money_Miles_Worth_It\">Is United Money + Miles Worth It?<\/a><ul><li><a href=\"#So_when_can_it_make_sense\">So when can it make sense?<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Is_United_Money_Miles\">What Is United Money + Miles?<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/\" rel=\"noopener\">United MileagePlus<\/a> launched the Money + Miles redemption option in 2021. Unlike standard award tickets &#8212; which depend on origin, destination, cabin class, and United\u2019s <a target=\"_blank\" href=\"\/travel\/what-is-dynamic-pricing\/\" rel=\"noopener\">dynamic pricing<\/a> &#8212; Money + Miles directly ties the number of miles needed to the cash price of the ticket.<\/p>\n<p>That gives you the flexibility to redeem miles for most flights, but the value is far lower than what you can typically get with a traditional award. You'll get around <strong>0.75\u00a2 per United mile<\/strong> (give or take a bit on the margins) on these redemptions, which pales in comparison to <a target=\"_blank\" href=\"\/point-mile-values\/united\" rel=\"noopener\">what AwardWallet users redeem MileagePlus miles for<\/a>.<\/p>\n<p>However, if you have United Premier status or a <a target=\"_blank\" href=\"\/credit-cards\/united-mileageplus\/united-credit-cards\/\" rel=\"noopener\">United credit card<\/a> with an annual fee, like the <a data-ccid=\"4048117\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-explorer-card\/\">United\u2120 Explorer Card<\/a> or the\u00a0 <a data-ccid=\"4048245\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-quest-card\/\">United Quest\u2120 Card<\/a>, you\u2019ll get <strong>1\u00a2 per United mile<\/strong> when using Money + Miles.<\/p>\n<p>That's a 33% boost to the redemption rate from general members. However, that\u2019s still only half the value I typically get from my miles. But if you usually redeem for domestic economy tickets, there may be cases where it makes sense.<\/p>\n<div class=\"qs-card\" data-id=\"4048117\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">United\u2120 Explorer Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ff6d0beb-04a7-4cc5-9bf4-50bc3f5e5883.png\" alt=\"United\u2120 Explorer Card\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='United\u2120 Explorer Card' data-ccid=\"4048117\" href=\"\/blog\/link\/UnitedExplorerCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048117\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005119&type=3&u1=28d99f05e10b2c0e07bfaa07297decb1&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Limited Time Offer<\/strong> Earn up to 80,000 bonus miles after qualifying activities<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">United\u2120 Explorer Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Limited Time Offer<\/strong> Earn up to 80,000 bonus miles after qualifying activities<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro annual fee for the first year, then $150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The United\u2120 Explorer Card is Chase's mid-tier United card, providing an excellent mix of functional benefits and value. Notable perks include a credit of up to $120 every four years for Global Entry, TSA PreCheck<sup>\u00ae<\/sup>, or NEXUS fees\u200b\u200b, priority boarding\u200b\u200b, and a free first checked bag for the cardmember and a traveling companion on the same reservation, offering up to $160 in savings\u200b\u200b. Additionally, cardholders receive 25% back on inflight purchases of food, beverages, and Wi-Fi on United-operated flights\u200b\u200b, and two one-time United Club\u2120 passes annually\u200b\u200b.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn up to 80,000 bonus miles<\/li><li>$0 introductory annual fee for the first year, then $150<\/li><li>NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United&#xAE; purchases.<\/li><li>2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.<\/li><li>Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply. Plus, priority boarding on United&#xAE; flights.<\/li><li>2 United Club one-time passes per year - over a $100 value<\/li><li>Over $500 in partner credits each year<\/li><li>NEW! Save at least 10% when booking flights with miles. Premier members earn even more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X miles per $1 spent on purchases from United<sup>\u00ae<\/sup>*<\/li>\r\n<li>2X miles per $1 spent on dining and hotel stays when booked with the hotel<\/li>\r\n<li>1X mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*9X total miles per $1 spent on eligible United<sup>\u00ae<\/sup> flights<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UnitedExplorer\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-89dddd134#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<figure id=\"attachment_106466\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-106466 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight-300x240.png\" alt=\"a United Airlines Dreamliner in flight\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight-1024x819.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight-1536x1229.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/03\/Featured-_United_Dreamliner_in_flight.png 1599w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: United Airlines<\/em><\/enter><\/figure>\n<h3><span id=\"United_Money_Miles_restrictions\">United Money + Miles restrictions<\/span><\/h3>\n<p>United Money + Miles tickets are governed by the same fare rules as standard cash tickets. That means they aren\u2019t fully refundable like award tickets. If you need to cancel a Money + Miles ticket, you'll receive a future flight credit in the amount of the cash fare (for which you redeemed miles to cover a portion of the price).<\/p>\n<p>This makes Money + Miles less flexible than United award tickets.<\/p>\n<p>These mixed currency tickets <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/how-to-earn-premier-qualifying-points-pqp\/\" rel=\"noopener\">earn Premier Qualifying Points (PQP) on the cost of the fare<\/a>, excluding taxes, fees, and the portion paid with miles. You\u2019ll also earn one Premier Qualifying Flight (PQF) per segment, and the cash portion still earns redeemable miles.<\/p>\n<p>That creates a small opportunity to \u201cdouble dip\u201d \u2014 using miles to discount a ticket while still earning elite-qualifying credit.<\/p>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/do-united-miles-expire\/\" rel=\"noopener\">Do United Miles Expire? An Overview of United Mileage Expiration Rules<\/a><\/strong><\/p>\n<h2><span id=\"How_to_Book_Using_United_Money_Miles\">How to Book Using United Money + Miles<\/span><\/h2>\n<p>Booking with United Money + Miles is straightforward. Start by searching for flights on United\u2019s website or mobile app, just as you would for a regular award.<\/p>\n<p>On the search results page, look for the Money + Miles toggle just above the fare class headers. You can also use the drop-down menu to switch between Money, Miles, and Money + Miles. If you\u2019re not logged in, you\u2019ll be prompted to log in at this point. On the mobile app, though, you\u2019ll need to log in before beginning your search.<\/p>\n<figure id=\"attachment_202686\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/479\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-202686 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-300x192.png\" alt=\"toggle for United money + miles on search page\" width=\"750\" height=\"479\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-300x192.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-1024x654.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-768x490.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example.png 1261w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Select Money + Miles above the fare classes to view these price options. Credit: United<\/em><\/enter><\/figure>\n<p>Once you enable the Money + Miles filter, United will show prices that include both a cash and miles component. What\u2019s displayed is the maximum number of miles you can apply, but you can adjust that number during checkout.<\/p>\n<figure id=\"attachment_202687\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/478\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-202687 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-2-300x191.png\" alt=\"United Money + Miles search results for SFO to FLL\" width=\"750\" height=\"478\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-2-300x191.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-2-1024x653.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-2-768x489.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/united-money-miles-2025-example-2.png 1260w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Miles + Money options for the same SFO\u2013EWR search. Credit: United<\/em><\/enter><\/figure>\n<p>If you compare the two images of this search, you'll notice that using 11,000 miles for the Basic Economy ticket for the cheapest option takes off exactly $110. Similarly, the standard Economy option has 15,000 miles at the maximum, which takes off $150. These are both exactly 1\u00a2 per mile, which is expected since I have the <a data-ccid=\"4048193\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-business-card\/\">United Business Card<\/a>.<\/p>\n<p>If you're happy with your flight selection and the United Money + Miles price, simply finish checkout as normal. You can adjust the number of miles redeemed in the final step. They will be worth the same, no matter how few you choose to redeem.<\/p>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-travel\/\" rel=\"noopener\">Best Credit Cards for Travel Purchases<\/a><\/strong><\/p>\n<h2><span id=\"Is_United_Money_Miles_Worth_It\">Is United Money + Miles Worth It?<\/span><\/h2>\n<p>Most of the time, no. In recent redemptions, AwardWallet users have redeemed United miles at an average of <strong>2.01\u00a2 per mile<\/strong>. Even when you only consider domestic United economy flights, that redemption rate is still 1.31\u00a2 per mile.<\/p>\n<p>Comparatively, redeeming United miles for just 0.75\u00a2 each is a poor redemption rate. Even the 1\u00a2 per United mile redemption rate that cardholders and elites receive is well below what you can expect to redeem United miles for.<\/p>\n<h3><span id=\"So_when_can_it_make_sense\">So when can it make sense?<\/span><\/h3>\n<p>Say your schedule is restrictive and United redemptions only offer 1.15\u00a2 per mile. That\u2019s not far off from the 1\u00a2 per mile elites and cardholders get with United Money + Miles. And since you\u2019ll also earn award miles on the cash portion with mixed currency tickets, the value between these two options gets even closer.<\/p>\n<p>I could see a situation where you want to redeem miles using Money + Miles to cut down on out-of-pocket costs and continue earning toward United Premier status. This is the main situation where it makes sense. \u00a0I also could see it making sense for someone who needs to book a ticket but is short of the miles needed for an award, but reducing out-of-pocket costs is a critical factor.<\/p>\n<figure id=\"attachment_136480\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-136480 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/United-economy-cabin-300x240.jpeg\" alt=\"United economy cabin seats\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/United-economy-cabin-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/United-economy-cabin-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/United-economy-cabin-325x260.jpeg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/United-economy-cabin.jpeg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Cheap economy tickets are one of the only decent United Miles + Money options. Credit: United Airlines<\/em><\/enter><\/figure>\n<p>But make sure you consider the reduced flexibility. One of the great features of United award tickets is that they are <strong>fully<\/strong> <strong>refundable<\/strong>. This has allowed me to speculatively book many itineraries, which I end up canceling and redepositing my miles over the past few years. I wouldn't be able to do this using United Money + Miles.<\/p>\n<p>Bottom line: If you are a Premier elite and get 1\u00a2 per mile using Money + Miles, it may be worth using this option to renew your status, or if you're a United credit cardholder trying to earn Premier status. It may also be worth using United Money + Miles if you are short on miles for an award ticket and <em>really<\/em> need to save the out-of-pocket costs of a ticket. However, it won't be worth <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/buy-united-miles\/\" rel=\"noopener\">buying United miles<\/a> to book via Money + Miles.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>At first glance, United\u2019s Money + Miles redemption option might seem like a convenient way to cut down on your next airfare bill. And in limited situations \u2014 like topping off a fare when you're short on cash or earning PQP for Premier status \u2014 it can offer just enough value to consider.<\/p>\n<p>But in most cases, you\u2019re giving up too much for too little. With weaker redemption rates and less flexibility than most award tickets, Money + Miles is best viewed as a last resort \u2014 not your go-to way to spend miles. If you're sitting on a healthy MileagePlus balance, traditional awards and partner redemptions will almost always deliver more bang for your buck.<\/p>\n<p><strong>Related:<\/strong> <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/best-way-to-use-united-miles\/\" rel=\"noopener\">The Best Uses of United MileagePlus Miles<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While redeeming MileagePlus miles for standard award tickets will get you the biggest bang for your buck, you can also redeem miles for United flights using United Money + Miles. This option provides a fixed value for your points. Here&#8217;s how it works and when it&#8217;s worth it.<\/p>\n","protected":false},"author":51,"featured_media":111752,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12068],"tags":[12772,12629],"coauthors":[36394],"class_list":["post-150423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-award-programs","tag-united-mileageplus","tag-using-points"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/150423","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=150423"}],"version-history":[{"count":23,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/150423\/revisions"}],"predecessor-version":[{"id":256922,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/150423\/revisions\/256922"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/111752"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=150423"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=150423"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=150423"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=150423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}