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Update: Some offers mentioned below are no longer available. View the current offers here – United MileagePlus Explorer Card

TPG Reader Jonathan asks:

“I was wondering if you had any tips on trading Membership Rewards points for either Chase Ultimate Rewards or United miles in particular. I have 75,000 American Express Membership Rewards points but I would like to score three upgrades on a United BOS-SFO flight in a couple months. My only other hope was trying to find the United MileagePlus Explorer Card with a 55,000-mile targeted offer, but even after getting some miles in my United account, that offer doesn’t appear.”

Unfortunately, there is no easy way that makes sense to transfer from American Express Membership Rewards to United MileagePlus. Back in the day, you used to be able to transfer Amex points to Continental miles, but nowadays your only Star Alliance options in terms of Amex transfer partners are Air Canada, Singapore Airlines, or ANA.

Amex
Amex’s airline transfer partners no longer include Continental.

If you want to upgrade on United, you can transfer to Air Canada’s Aeroplan and upgrade from there, but you do have to buy a full fare Y or B fare ticket, which can be extremely expensive economy fares.

The cheapest way to upgrade a United flight is to get United miles – either with one of the airline’s co-branded cards, or with a credit card that accrues Chase Ultimate Rewards and lets you transfer, like the Sapphire Preferred, Ink Bold or Ink Plus. However, Chase Ultimate Rewards only transfer to United at a 1:1 ratio.

You can upgrade using United miles for a lot cheaper since all you need is a N fare, which is usually drastically less expensive than a Y or B fare. There is a $75 co-pay to upgrade with United miles, but you’ll save much more than that. So I know it doesn’t really help you too much with your Amex points, but if you are looking to upgrade on United or redeem for United flights my best advice is to go for Chase Ultimate Rewards points.

The Chase Ink Bold and the Ink Plus each have 50,000-point sign-up bonuses after spending $5,000 in 3 months, and the Sapphire Preferred is offering 50,000 points after spending $4,000 in the first 3 months. All three have the annual fee of $95 waived for the first year, so think outside the box and try to diversify away from Amex so you can build up your Chase and United accounts.

You also may want to sign into your United profile and see if you are targeted for any special United card offers. I just got the targeted 55,000 point United MileagePlus Explorer Card, which no longer has foreign transaction fees, and gets you a whole bunch of perks on United. I would try to get some United miles rather than going the Star Alliance route through one of their partners.

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.