How to pay the annual fee for joint credit cards with mileage

Did you know that you can use airline mileage to pay annual fees for your joint credit card? This is called “repay yourself” – but I’m not talking about using your chase ultimate reward points Pay back the money program.

Instead, you can pay the card’s annual fee regularly United Airlines Mileage Prips Mileage.

If you don’t know this, you’re not alone. Finding this information is not the easiest, as the website that provides more details is not widely publicized and does not provide much details.

Let’s explain how to use United Miles to pay for an annual fee for a joint credit card.

Cards that match this function

The Federation provides multiple common brands of credit cards, including the following:

Information on the United Club business card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Any with Annual fee Eligible for this offer, including no longer offering quotes from new applicants. This is good news for anyone on the fence for the card’s annual fee this year.

Related: How to unlock additional reward availability with the United States

How to use United Airlines Mileage Payment Card Annual Fee

There is a website outlining this option: choices.unitedmileageplus.com. It mentions that you can pay off your annual fee using mileage, but unfortunately it says you have to call the phone on the back to start the process, or access Chase’s return feature.

Additionally, there are some key points to note at the terminology at the bottom of the page:

• This feature is only available after you have paid the annual fee within the last 90 days, which means you will need to pay the fee first and then use United Miles as reimbursement afterwards.
• The redemption value is not published and can be changed at any time. Currently, the value is 1.5 cents per mile (more below).
• Declare credit will appear on your account within three business days and you will see repayment and usage miles in the billing statement within one or two billing cycles.
• Use mileage to repay your annual fee cannot be used as a payment to meet your minimum payment for the month due, so make sure that any minimum payment is still met.

There are several ways to start. You can call the number on the back of your United credit card the first method. Remember to pay the fee first, then Then Require your Manchester United mileage to be used as reimbursement.

There are two other ways to pay annual fees with mileage. this website An overview of how to redeem your mileage online. It’s a very simple process as long as you follow the instructions.

Finally, you can complete this process in the Chase application. Log in to the app and select your union card. Then go to the Rewards and Benefits section and choose to repay yourself.

Related: United Prime Minister Identity: How to Win It – Is it Worth it?

Its cost

how much does it cost? Or, how many miles do you need to rewrite this question?

Since you will be paying the annual fee and seeking your mileage reimbursement, let’s take a look at the cost United Mile Ultimately, you end up paying yourself after paying the annual fee for your joint credit card.

You can use your Manchester United mileage for 1.5 cents to deal with the card’s annual fee. Still, online forums show that some cardholders have received targeted email offers that will price up to 1.75 cents from Manchester United miles in line with their card’s annual fee.

TPG April 2025 Valuation The nail is 1.35 cents for a nail mile. Therefore, this redemption exceeds the average Manchester United mileage. On the surface, this looks pretty good.

That is, if you redeem your mileage frequently First, then Business-level awardsyou may get over 1.5 cents worth from Union Miles. In this case, you may hesitate to use this method.

Overall, though, it’s a reasonable use of Manchester United’s mileage when considering all redemption options, but ultimately it’s up to you to decide whether this is the best use of mileage.

Here are how many miles you can pay based on your card’s annual fee (remember, these miles can change at any time):

• Joint business card ($150 annual fee): 9,868 miles
• United Club Business Card ($695 annual fee): 45,724 miles
• United Club Card ($695 annual fee): 45,724 miles
• United Explorer Card ($0 for the first year introductory annual fee, then $150): 9,868 miles
• Joint Mission Card ($350 annual fee): 23,027 miles

Do you pay for your joint card annual fee with United Miles?

Whether it’s worth it depends on the number of miles it will cost, the type of redemption you usually do with United and the few miles available. Remember that you need to pay the card’s annual fee in advance.

in the case of Statement of credit From your mileage redemption that you should still have cash to pay for your card’s annual fee.

Unless you book regularly, using business-grade reward tickets with United, covering the annual fee for your card is how United Miles is used. TPG Senior Editorial Director Nick Ewen There is a United Explorer card, this option is being considered.

Bottom line

It’s great to have the option to use your Manchester United mileage to offset the annual fee of the United Credit Card. While not everyone finds value based on how they like to use mileage, the ability to choose provides flexibility. If you are interested in using Manchester United mileage to repay your card’s annual fee, call the phone number on the back of the card, or visit the Chase app or website to get started.

To learn more, read our guide Best Joint Card.

Related: 6 Our Favorite Under-Radar Credit Card Perks