{"id":46882,"date":"2024-12-14T21:00:06","date_gmt":"2024-12-14T21:00:06","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=46882"},"modified":"2026-04-08T14:06:43","modified_gmt":"2026-04-08T14:06:43","slug":"use-united-miles-pay-annual-fee","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/united-mileageplus\/use-united-miles-pay-annual-fee\/","title":{"rendered":"You Can Redeem United Miles to Offset Your Credit Card\u2019s Annual Fee. But Should You Do It?"},"content":{"rendered":"

We've seen several devaluations to the United Airlines MileagePlus program in recent years, so you may be excited to learn about a consistent way to get competitive value from your hard-earned rewards: Using miles to cover your credit card's annual fee. Depending on what's in your wallet, you can unlock up to 1.75\u00a2 per mile on this non-flight redemption, which is pretty good. <\/p>\n

Here's how you can redeem United miles toward your credit card's annual fee, the value it provides, and whether it's a good deal.<\/p>\n

Use United Miles To Cover Your Card\u2019s Annual Fee<\/span><\/h2>\n

Starting back in May 2020, United added the ability to redeem United miles to cover the annual fee on United Airlines co-branded credit cards<\/a>. At first, the redemption rate was an even 1.5\u00a2 per mile across all cards. However, United has inflated the value of this redemption method for several cards over time. Now, you can unlock up to 1.75\u00a2 per mile when making these redemptions.<\/p>\n

Currently, you can make the following redemptions:<\/p>\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Card Name<\/b><\/th>Annual Fee<\/b><\/th>Miles Required to Cover the Full Fee<\/b><\/th>Value Cents Per Mile)<\/b><\/th>\n<\/tr>\n<\/thead>\n
United Club\u2120 Card<\/a><\/td>$695<\/td>45724<\/td>1.75\u00a2<\/td>\n<\/tr>\n
United Quest\u2120 Card<\/a><\/td>$350<\/td>23,027<\/td>1.6\u00a2<\/td>\n<\/tr>\n
United\u2120 Explorer Card<\/a><\/td>$0 intro annual fee for the first year, then $150<\/td>9,868<\/td>1.52\u00a2<\/td>\n<\/tr>\n
United\u2120 Business Card<\/a><\/td>$150<\/td>9,868<\/td>1.5\u00a2<\/td>\n<\/tr>\n
United Club\u2120 Business Card<\/td>$695<\/td>30,000<\/td>1.5\u00a2<\/td>\n<\/tr>\n
United MileagePlus\u00ae<\/sup> Awards Card<\/b> (not open to new applicants)<\/td>$60<\/td>4,000<\/td>1.5\u00a2<\/td>\n<\/tr>\n
United MileagePlus\u00ae<\/sup> Select Card<\/b> (not open to new applicants)<\/td>$95<\/td>6,333<\/td>1.5\u00a2<\/td>\n<\/tr>\n
United\u2120 Presidential Plus\u2120 Card<\/b> (not open to new applicants)<\/td>$450<\/td>30,000<\/td>1.5\u00a2<\/td>\n<\/tr>\n
United\u2120 Presidential Plus\u2120 Business Card<\/b> (not open to new applicants)<\/td>$450<\/td>30,000<\/td>1.5\u00a2<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n

For comparison, AwardWallet users have redeemed United miles at the following rates<\/a>:<\/p>\n