United Miles Are Now Worth Up To 1.75 Cents Each Towards Covering United Card Annual Fees!

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While the value of United miles for flights have been trending down, the value of using United miles to pay back the annual fee of United card has been trending up.

United miles used to be worth 1 cent each towards covering the annual fee, but that went up to 1.5 cents each during COVID.

Now they appear to worth even more, depending on which card you have.

If you were billed an annual fee within the past 90 days, you can pay back all or part of your annual fee using United miles. Just click on your card, click more, and then on Rewards dashboard. Click on “Use MileagePlus miles with Pay Yourself Back”

Don’t have enough United miles? You can always transfer points from Ultimate Rewards to United.

For example, my wife’s Chase United Quest Card $250 annual fee just posted. That card gives $125 in United credit annually, 10K in mileage rebates annually, and 2 free checked bags on all United flights for both the cardholder and a companion. She can redeem 15,625 miles to cover the $250 annual fee in full. That’s a value of 1.6 cents per mile:


Or you can select any amount to cover, like using 12,500 miles to cover $200 of the fee, also a value of 1.6 cents per mile:


DDF member Danlover111 and oldguy share that they can redeem points to cover the $525 annual fee on their Chase United Club Infinite Card at a value of 1.75 cents each, so the $525 fee can be covered with just 30,000 miles:


DDF member Young explorer reports that the $95 fee on his Chase United Explorer Card and DDF member cgr reports that the $99 annual fee on her Chase United Business Card allows points redemptions at 1.5 cents per mile:


Those are all some pretty good values for United miles these days! I wish all Chase cards would offer that kind of value towards the annual fee. The only non-United card I’m aware of with this option is the Chase Sapphire Reserve® Card and it currently only offers a value of 1.25 cents per point.

Will you pay yourself back for your United card annual fee?

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13 Comments On "United Miles Are Now Worth Up To 1.75 Cents Each Towards Covering United Card Annual Fees!"

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Wow you read my mind I literally did this redemption earlier today on one of the United cards

Shaya E

I believe the Southwest cards also have a PYB for the AF. At 1 CPP though, so not worth transferring UR for this.


What minimum cpm amount should be worthwhile to PYB? 1.5?


Planning to cancel my card when AF is due next month


What a waste though. I wish I could use the miles for something United actually does…FLY!


I haven’t been able to use my United miles and now with the devaluation, they feel worthless.


this was probably done so people shouldnt close cards after the devaluation


Chase also giving out $100 statement credit on the quest card to keep it open


How did you get this? Through your Chase login? United login? Email offer? Phone call? Please let us know. Thank you!


Did you call in for this or was it sent to you? Please answer. Thanks.


How do you figure out how much the miles are worth?