Composite = Value 57×.35 + Stability 37×.25 + Liquidity 28×.20 + Consistency 79×.10 + Drag 92×.10 = 52.0.
Audit trail. Median computed from 227 priced corridors across 25 distinct chart cells (a chart cell = one points price × cabin). Pricing basis: dynamic. Value source: v5.3 route database, cardholder-adjusted — premium long-haul 5.4¢ on 56 routes (weight 70%) · everyday (economy + short-haul) 2.5¢ on 171 routes (weight 30%). Surcharge drag: 1.2%.
On premium long-haul the cardholder-effective median is 5.4¢ across 56 routes, and Premier-status cardholders do better at 15% off — with exclusive XN Saver inventory the public calendar never shows, United remains the most usable dynamic program for long-haul. Domestic and economy awards (171 routes) net 2.5¢: burn them only on high-fare dates.
2 of 6 bank currencies transfer in — Chase UR 1:1 · Bilt 1:1. Co-brand cardholders receive 10% off award pricing (per Redeem/founder verification, Jul 2026)
Chase 1:1 Bilt 1:1
Cardholder/Premier-only XN Saver inventory is real additional availability — roughly a third of Saver flights carry it, including London, Hawaii, Tokyo and Florida. General members searching the same route see less. united.com remains the best Star Alliance search tool in the business.
Fully dynamic — no chart safety net. April 2026 restructure split the program into cardholder and non-cardholder tiers; non-cardholders now earn zero on Basic Economy. The discount is United-metal only and does not extend to partner awards.
Indicative one-way MileagePlus pricing from North America origins. Dynamic program — figures are Saver-level anchors; cardholder/Premier XN Saver inventory can price at or below the low end. Partner metal and off-peak calendars move these.
| From | To | Economy | Business | First |
|---|---|---|---|---|
| North America | US / Canada | 5,000–12,500 | 25,000 | — |
| North America | Europe | 36,000 | 80,000 | — |
| North America | Japan / Korea | 35,000 | 70,000–80,000 | 110,000 |
| North America | South America | 20,000–30,000 | 50,000–60,000 | — |
| North America | Australia / NZ | 40,000 | 80,000 | 110,000 |
| North America | Southeast Asia | 35,000 | 75,000 | 100,000 |
| North America | Middle East / India | 42,500 | 77,000 | — |
Cardholder tier. Co-brand cardholders receive 10% off award pricing; the rating reflects this tier. Premier-status cardholders receive 15% off — effective median 5.4¢.
| Index | Rating | Score | Median (net) |
|---|---|---|---|
| Master | BBB | 52.0 | 4.52¢ |
| Domestic USA | BBB | 50.3 | 2.72¢ |
| International | BBB | 50.3 | 4.36¢ |