So if I'm undersating the numbers correctly, under the new structure, not having the united card means earning 2 miles/dollar LESS than the current rate, and having a card means 1 mile/dollar MORE than current?
IE if you currently earned 10 miles
then you'd get:
New structure w/o card: 8 miles
New structure w/card: 11 miles
(excluding the extra earn from Chase by paying with the card which also went up 1mile/$)
Last edited by Eneka; Feb 19, 2026 at 6:41 am