This card is a pure rip off. Don't fall into this. I fly freequently using United and upgraded hoping I can add some miles to my account. They promptly deducted the 25 $ fee. I made a couple of online ticket purchases and never saw the miles credited to my account. Called up the customer care and was told that those purchases dont count. That really baffled me. you buy an united ticket online to be told they are not counted according to their rules. They are treated as purchases made using your PIN. The only way you will see something added is when you visit some restaturant where you sign your bill. Even if I spend 500 bucks every month in restaurants, it's not worth the 25 $ fee for the miles that would add up to my account