United MileagePlus® Access
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How we calculate effective rate →
The United MileagePlus® Access from Chase earns up to 1.2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x miles.
What does the United MileagePlus Access earn in each category?
Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United MileagePlus Access compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United MileagePlus Access compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.2% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 1x miles | 1.2% |
| Travel Flights, hotels, transit | 1x miles | 1.2% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the United MileagePlus Access?
The United MileagePlus Access fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles.
United MileagePlus Access fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 33% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.2% effective (1x miles).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- United MileagePlus value depends on how you redeem, not straight cash back.
Does the United MileagePlus Access have an annual fee?
The United MileagePlus Access has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the United MileagePlus Access
Does the United MileagePlus Access have an annual fee?
The United MileagePlus Access carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United MileagePlus Access?
Dining is the strongest Madeen category for the United MileagePlus Access at about 1.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United MileagePlus Access charge foreign transaction fees?
The United MileagePlus Access does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the United MileagePlus Access?
Madeen's catalog lists a typical credit range of Excellent for the United MileagePlus Access. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the United MileagePlus Access?
Rewards on the United MileagePlus Access post as United MileagePlus. Redemption value depends on how you use United MileagePlus (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the United MileagePlus Access?
To maximize the United MileagePlus Access, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the United MileagePlus Access compare to similar cards?
Compare the United MileagePlus Access against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United MileagePlus Access This card | Dining | 1.2% | $0 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure