150,000 United Airlines miles with new business card offer

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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
United℠ Business Card

FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.


Card Type: Visa Signature

Base
Dine
Gas
Office
Other

Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services

Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100

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 12/31/21) ⚬ 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 on United in-flight 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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