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In any other week, a credit card offering of 150,000 airline miles would have been the biggest news in the blogosphere. The United Business Card is out with such an offer, which is pretty amazing if you highly value United miles and the card’s other perks. It is a sign of the times that it is hard to recommend a 150K offer over other current alternatives, but given that this is a business card it may well be worth opening for those who qualify and can handle high spend.
The Offer & Key Card Details
Click the card details below to go to our dedicated card page for more information and to find a link to apply.
| Card Offer and Details |
|---|
75K Miles ⓘ Affiliate 75K miles after $5K spend in first 3 months.$0 introductory annual fee for the first year, then $99 After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card. FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100 ✦ Earn up to 1,000 PQPs per year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ✦ 25% back as a statement credit on United in-flight and Club Premium drink purchases |
Quick Thoughts
As you can see above, this offer is structured as 75K after the initial $5K spend, with the other half of the bonus requiring a much larger chunk of spend. Still, if you value the miles and the other perks, this could be a pretty compelling offer.
In terms of perks, the card comes with 2 United Club passes per year, which goes a long way toward mitigating the annual fee if you would not otherwise have access. If you ordinarily book at least 7 United flights that cost $100 or more, the $100 reimbursement after that mark would also be a nice perk. Remember that there is an engagement bonus of 5,000 miles at anniversary when you have the United business card and a United personal card. Someone who is able to take advantage of all of the benefits could easily find the card worth $99 per year.
In terms of the bonus, it is certainly a lot of airline miles. On the other hand, one could open a Chase Ink Cash card and a Chase Ink Business Unlimited card and end up with 150,000 Ultimate Rewards points that could be transferred 1:1 to United for just $15K spend and no annual fees (and better long-term return on many types of spend). Of course, that strategy does not come with a free first checked bag or the United Club passes, etc – though it adds the flexibility of being able to transfer to other partners when it is more advantageous.
The nice thing here is that this is a business card, so it will not add to your 5/24 count. The Chase 5/24 rule still applies to approvals — that is to say that you will not be approved if you have opened 5 or more new credit card accounts in the past 24 months. However, if you are approved, this card will not increase your 5/24 count.
While I think it is questionable as to whether or not this offer is worth $20K worth of spend, it is nonetheless exciting to see airline cards offering bonuses into the six digits. While some will inevitably worry that bigger bonuses mean impending devaluations, big bonuses frequently enable those of us willing to invest the time in finding the best uses to leverage far outsized value. While those opportunities with United miles have dwindled some, the excursionist perk can still be amazing and United miles can offer decent value for domestic economy class flights. If you’re able to leverage the miles well, this offer could be a fit.
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Most people aside from hardcore MSers are better off with the 75k/$5k AF waived offer. Much higher return on that $20k spend elsewhere.
This is a lot of miles… butI am thinking for the perks and much lower min spend United Quest card is better.
I already have a United business card. Any idea if I can get another? Also, if I close my current card how long would you suggest to wait before applying? Thanks!