Chase
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
18,000 points a year at 2.09¢ = $376, minus the $350 annual fee = $26 a year.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 2× United MileagePlus | none |
| Flights, hotels and transport | 2× United MileagePlus | none |
| Groceries | 1× United MileagePlus | none |
| Everything else | 1× United MileagePlus | none |
4x on United purchases, 5x on hotels prepaid through Renowned Hotels and Resorts, 2x on other travel and dining, 1x elsewhere.
United MileagePlus points are worth about 2.09 cents each on our published table, our own. What United MileagePlus points are worth →
Credits count for $0 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. Welcome offer and credits not yet read from the issuer's page, so none are counted; added 2026-09-17 for its earn rates only, from the issuer's product page. Travel is priced at the card's general travel rate, not its own-brand rate.
We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.