United Airlines launched a new MileagePlus Debit Rewards Card on November 4, 2025, allowing members to earn miles on everyday purchases and United flight spend.
The card is issued by Sunrise Banks, N.A., and is backed by Visa. It is FDIC insured up to $250,000 and does not require a credit check.
New members who spend $500 within four months of approval earn a 10,000‑mile bonus. The card earns 1 mile per $1 spent on United purchases and 1 mile per $2 on other eligible purchases, including dining, retail, groceries, bags, and onboard items.
The card carries no monthly fee for an average daily balance of $2,000 or more; otherwise a $4 fee applies.
The launch is part of United’s “United Next” strategy to deepen loyalty and diversify revenue beyond ticket sales. The debit card expands United’s revenue base by capturing everyday spending and integrating the loyalty program into customers’ financial lives.
United’s recent financial performance supports the strategy. In Q3 2023, the airline reported operating revenues of $14.48 billion, a 12.5% year‑over‑year increase, and net income of $1.14 billion. Full‑year 2023 revenues rose 20% to $53.7 billion compared with 2022.
The debit card follows a similar launch by Southwest Airlines, also issued by Sunrise Banks and powered by Galileo, reflecting a broader industry trend of airlines offering debit‑card products to enhance customer engagement.
Management highlighted that the card will generate incremental revenue from card‑related fees and increased flight bookings, while also providing members with savings‑balance miles that differentiate United’s offering from competitors.
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