Your browser is no longer supported. Some features of this website might not work as intended. To avoid any difficulties, you may want to upgrade to a supported browser. Alternatively, switch to a different device.
Popular internet browsers include: Chrome Browser Icon Firefox Browser Icon

The MileagePlus® Credit Card Account

The MileagePlus® Credit Card Account
  • MileagePlus® award miles every time you use your card for card purchases.
  • 0% on United Airlines transactions for up to 12 months from the date your account is opened.2
    When this offer comes to an end a standard rate of 22.9% p.a. applies.
  • Check your eligibility before you apply eligibility for this credit card depends on your circumstances and the results of the eligibility check.

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

Representative example:
22.9% p.a. (variable)
on card purchases
This is equivalent to
representative (variable)
Based on a
credit limit
Check eligibility

Remember to stay within your limit and to make your monthly payments on time, otherwise you’d lose the promotional offers on your account and pay the standard interest rate instead.*

Award miles... a real plus
Earning miles

Two cards on one account, working seamlessly to help you earn MileagePlus® award miles faster.

American Express logo

The MileagePlus® American Express® Credit Card

2.5 miles for every £2 you spend on card purchases using this card1.

VISA company logo

The MileagePlus® Visa Credit Card

1.25 miles for every £2 you spend on card purchases using this card1.

How can you spend your miles?
<p>Thousands of destinations: Put your award miles towards booking your dream holiday with United, or any of the Star Alliance carriers, to over 1,300 destinations.<sup>2</sup></p>

Thousands of destinations: Put your award miles towards booking your dream holiday with United, or any of the Star Alliance carriers, to over 1,300 destinations.2

<p>Exclusive offers from American Express Connect<sup>TM</sup>.</p>

Exclusive offers from American Express ConnectTM.

Other benefits
MBNA United Airlines MileagePlus dual credit card account
Other benefits

Contactless and mobile payments

Make fast and secure payments using a card, or a range of mobile devices, usually without entering your PIN.

Transfer rates

0% on balance & money transfers for up to 6 months from the date your account is opened. 3% handling fee. Offer only applies to transfers made in the first 90 days from account opening.

When these offers come to an end and for transfers made after the 90 days, the standard rate for balance transfers is 22.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).

American Express Rewards

Exclusive offers from American Express Connect.

Two cards, one account…

Two cards, one PIN, one account to manage, miles earned from both cards go into your account.

UK call centres

Wherever you are, we're just a phone call away.

Banking on the go

Manage your account using our range of online and mobile services.

24 hour fraud support

You will not be liable for fraudulent transactions online or on the high street (including contactless transactions), providing you tell us as soon as you notice any unusual transactions or you can’t find your card.

Paperless statements

We'll let you know by email when there's a new statement to view online.

Add cardholders

Add up to 3 additional cardholders - they'll each receive a card and PIN.3

Easy payments

We offer a range of payment options, including Direct Debit.

No annual fee

We don’t charge an annual fee for having this credit card.

Useful information

Eligibility criteria

  • You’re a UK resident.
  • You’re aged 18 or over.
  • You’ve had a permanent UK address for 3 years or more.
  • You have a good credit rating/history.
  • You’re not unemployed or a student.

You’ll need to provide

  • Your address history for at least 3 years.
  • Contact details, including an email address.
  • Employment and salary information.
  • UK bank account details.

Eligibility check

Find out if you are eligible before applying for this card. As part of our eligibility check a quotation search will be carried out which won’t show up on your credit record as a full search, so it won’t affect your credit rating.

Eligibility for this credit card depends on your circumstances and the results of the eligibility check. 

What do you know about MBNA?

Based in the UK since 1993.

Moneyfacts Consumer Credit Card Provider of the Year for 4 years running.4

5 million+ card holders.

1 Every £1 you spend on the MileagePlus® American Express® Credit Card and the MileagePlus® Visa Credit Card earns you award miles. Cash transactions, money transfers, and balances you transfer to MBNA Limited do not earn award miles. Cash substitute transactions (such as non-sterling currency), casino and gambling-type transactions, finance charges, default charges, interest, payment protection insurance premiums and fees (including non-sterling transaction fees and card fees) do not earn award miles (unless we inform you otherwise). We may withhold or withdraw award miles accrued or earned on card purchases made whilst your account balance is in credit.

You will earn 2.5 award miles for every £2 you spend on the MileagePlus® American Express Credit Card and 1.25 award miles for every £2 you spend on the MileagePlus® Visa Credit Card. Miles are earned for each whole pound spent on each card purchase on your card. The number of award miles earned each month from credit card spend will be displayed on your monthly credit card statement, and will then be added to your MileagePlus® account within 30 days of the statement date. Please note, it is not possible to allocate award miles to your account before they have appeared on your statement. Where a refund is made on your card, your award miles total will be adjusted accordingly. Should you decide to cancel your MileagePlus® Credit Card Account before the production of your next statement, then any miles you have earned during the current statement period will be lost. Award miles can be suspended or cancelled if you do not keep your account in good standing. If you are already a MileagePlus® member it is your responsibility to enter your existing number on this application. Failure to do so will result in automatic duplicate enrolment into MileagePlus®. Please note the MileagePlus® membership number you give us must be for a MileagePlus® account in your name. If you have any additional card members on your card account, any award miles they earn by spending on their cards will also be credited to your MileagePlus® account. Your personal information will be processed by MileagePlus® so they can enrol you in the MileagePlus® award miles programme and to calculate and apply the amount of any rewards you earn. Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus® program, including without limitation the Premier® program (the ‘MileagePlus® Program’), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United may change the MileagePlus® Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus® Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus® Program. All calculations made in connection with the MileagePlus® Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines and MileagePlus® in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus® Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the website and the MileagePlus® Program rules. United and MileagePlus® are registered service marks. For complete details about the MileagePlus® Program, go to

The MileagePlus® Miles programme is provided by United Airlines.

You will not be able to earn MileagePlus® Miles if you are in breach of your terms and conditions, for example if you haven't paid on time or have gone over your credit limit.

Mileage accrued in a member's account shall be maintained in the account until it is redeemed for an award or until it expires, whichever occurs first.

Mileage accrued shall only be subject to expiration on the last day of the 18 months after the last account activity in the member's account. Activity includes flying, using your MileagePlus® credit card and more. In cases where mileage is for any reason removed from an account, such as for the redemption of awards, and later returned, the return of the mileage to the account shall not count as account activity.

Any member who fails at any time to engage in account activity for a period of 18 consecutive months is subject to termination of such member's membership and/or forfeiture of all accrued mileage as of the last day of the 18th month. Activity includes (without limitation) earning flight miles on United or earning or redeeming miles with a MileagePlus® partner, redeeming miles for award travel, buying miles or transferring miles.

The MileagePlus® programme "partners" include airlines, rental car companies, hotels or other entities who offer products or services as awards in the programme and who permit the accrual of mileage to members who utilise their products or services. The partners are independent entities, and United is not responsible for the nature or quality of products or services provided by those partners, nor for any solicitation efforts by those partners. Mileage accrual offered to programme members for utilising a partner's product or service can vary based upon the type of membership and details on specific partner offers are as published.

2 This applies to United flights booked at To receive this promotional offer flights must be purchased within 12 months of your account opening.

3 Any additional cardholder(s) must be over 18 years of age, reside at the same primary address, and have a relationship of close family member (defined as; spouse, child, parent, sibling or domestic partner).

Moneyfacts Consumer Credit Card Provider of the Year 2014, 2015, 2016 and 2017.

If you make card purchases, you will pay interest on these transactions, unless you pay your statement balance in full, every month or if you have a retail promotional interest rate of 0% on your account.

* Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The credit cards are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.