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TPG reader Bill sent me a message on Facebook to ask about earning points:

“Would it be better to get a United card and earn miles, or get the Chase Sapphire Preferred card and transfer those points to United?”

Deciding which credit card to use is an important step in maximizing your return on everyday spending. A lot of cards offer bonus categories that can help you earn rewards more quickly, but it’s helpful to think about what those rewards are worth and not just how many you can accumulate. Because transferable points (like Ultimate Rewards) are so valuable, I’ll almost always choose them over airline miles when all else is equal.

The United MileagePlus Explorer Card earns 2 miles per dollar on tickets purchased from United, and 1 mile per dollar on other purchases. It offers some useful benefits for flying on United, but there are no other bonus categories, which is pretty standard for co-branded airline credit cards. The United MileagePlus Explorer Business Card also offers 2 miles per dollar spent at restaurants, gas stations and office supply stores, but if your goal is to earn United miles, you can do even better.

The Chase Sapphire Preferred Card earns 2 points per dollar on dining and travel purchases (including airfare), and 1 point per dollar elsewhere. You can transfer Ultimate Rewards points to United at a 1:1 ratio, so you’re generally earning United miles faster than you would be with the personal Explorer card. If that’s not enough, you can boost your earnings further by pairing Sapphire Preferred with other Ultimate Rewards cards.

For example, you can use Chase Freedom to earn 5 points per dollar (on up to $1,500 of purchases) in rotating bonus categories like restaurants, gas stations or grocery stores. Those points can be transferred to airline and hotel partners via your Sapphire Preferred account, which means you can effectively earn 5 United miles per dollar on qualifying purchases. Another strong option is the Chase Freedom Unlimited Card, which earns 1.5 points per dollar on all purchases. That’s a solid return for spending that doesn’t fall into a bonus category on another card.

You can earn Ultimate Rewards quickly when you pair Sapphire Preferred with Chase Freedom’s 5x bonus categories.

Another benefit to earning transferable points is that you get a wider range of useful redemption options. MileagePlus miles are good for booking award flights on United and its partner airlines, but they won’t help much if you’re booking a hotel room or flying with an airline in another alliance. On the other hand, Ultimate Rewards points can be redeemed with United as well as Hyatt, British Airways and other valuable transfer partners.

The one clear advantage to the co-branded United cards is that you get perks like a free checked bag and two United Club passes each year. However, that might be irrelevant if you’re a frequent flyer, since you can get some of the same benefits by earning United Premier elite status.

For more on maximizing rewards on United and in general, check out these posts:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

The Points Guy Assessment:

The Chase Sapphire Preferred is a great pick for the beginner and the frequent traveler. The CSP has superb travel benefits, double points on certain purchases, and a 50,000 point sign up bonus. The $95 annual fee is waived the first year so this puts it as one of the less expensive cards, while still allowing you to earn one of the most valuable point currencies.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

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.