United MileagePlus just made one of the biggest changes any U.S. airline loyalty program has made in years.

Starting April 2nd, United is cutting earning rates from 5 miles per dollar down to 3 miles per dollar for members who don't hold a United credit card. And if you're flying basic economy without a card? You're earning zero miles. Nothing.

In this episode, we break down exactly what changed, why United did it, and most importantly — what YOU should do about it based on how you actually travel.

In this episode we cover:

• What United's new earning structure actually means in plain English
• How to figure out which camp you fall into — United loyalist or flexible points traveler
• The case for getting a United card if you fly them regularly
• Why this change is actually a permission ...