Our ranking engine evaluates this card across five factors: nominal earn rate, real point value after currency conversion, portfolio pooling effects, merchant-specific bonuses, and goal alignment.
Top effective rate on this card: 2.6¢ per dollar. Full methodology →
Point value context: We value United Miles at 1.3¢ per point (conservative estimate). The effective cash value column below reflects this — it's what each reward rate is actually worth per dollar spent, not just the nominal multiplier. How we calculate this →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Dining | 2x United Miles | 2.6¢/$ |
| Travel | 2x United Miles | 2.6¢/$ |
| Everything Else | 1x United Miles | 1.3¢/$ |
| United (store-specific bonus) | 9x United Miles | 11.7¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Card terms, annual fee, APR, and current welcome offer are set by the issuer and may differ from what's shown here. Always verify the current offer on the issuer's official site before applying.
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