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August 5, 2005 06:44 PM

There is a yearly limit of 60,000 miles that can be earned (10,000 per billing statement). The mileage limits do not include bonus miles. However, for members of Mileage Plus Premier®, Premier Executive®, or Premier Executive® 1K®, there is no maximum number of miles that can be earned per billing period or per year. Miles do not expire as long as the frequent flyer account remains active within a three-year period.

In addition to the reward program, the card offers a variety of additional cardholder benefits that include a free one-class upgrade certificate, a $25 United discount travel certificate, up to $1,000,000 in travel accident insurance, lost luggage insurance, a personal concierge service, and various travel and emergency assistance services.

This card has an average annual fee of $60 and a reasonable APR for purchases when compared to other airline reward cards. There is also no introductory rate available.

The card uses the “Average Daily Balance” method in determining finance charges, which is less costly when carrying occasional balances, as compared to the “Two Cycles Average Daily Balance” method that is frequently used by Chase.

Therefore, those who can afford to pay in full each month (to avoid finance charges), currently fly with United Airlines (to combine earned miles with the frequent flyer program), and are able to earn a free airline ticket within a two-year period (due to the annual fee) will benefit most from what the United Mileage Plus Signature Visa® Card has to offer.