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Update 11/7/22: It’s the end of the road for the 150,000 miles United Business card offer. We’ve been informed that the offer will be pulled at 6pm Eastern on Wednesday, 11/9. If you’ve been on the fence or thinking about taking the plunge, now’s the time.
The Chase United Business card now has an increased welcome offer of 150K United MileagePlus miles after $20K spend in 6 months. We saw this for the first time back in January and it’s encouraging to see it come back again. This offer requires a lot of spend and we’d always prefer to invest in more flexible transferable currencies. Nonetheless, it’s a chance to earn a lot of easily-used miles and, dollar-per-dollar, it’s now the most valuable business card welcome offer on our Best Offers Page.
The Offer & Key Card Details
|Card Offer and Details|
This is a massive offer with a first year value of ~$1500 based on our reasonable redemption values for United miles. That’s a huge haul for a $99 annual fee card.
It’s definitely worth considering this alongside the current Amex Business Platinum targeted offer of 170K Membership Rewards after $15K spend. I’d personally prefer to have 170,000 Membership Rewards over 150,000 United miles, especially for $5,000 less spend. That said, 150,000 United miles is a very appealing offer, even more so when considering the much lower annual fee and not having to mess around with the Amex “coupon book” of credits.
It’s also worth noting that, if you don’t value the United-related benefits of the card, a different option to generate the same number of miles with less spend would be to open both the Ink Business Unlimited and Ink Business Cash cards. Each of those cards requires $7,500 in purchases in the first 3 months, but if you opened them in back-to-back 3 month periods, you would end up with 150,000 bonus Ultimate Rewards points with only $15K total spend and those points could transfer 1:1 to United. You would also likely have a nice chunk of points from the minimum spend given that the Ink Business Unlimited offers 1.5x everywhere and the Ink Cash offers 5x at office supply stores and on Internet / cable / wireless phone services (see this post for more about maximixing that category).
While United doesn’t have the sweetest of sweet spots, they do have miles that are very easy to use and they don’t add fuel surcharges onto award tickets. The total bonus here, when combined with the miles you’ll earn from meeting the spending requirement, would be enough for a round trip business class ticket to most of the world, a good value for picking up just one card.
United also has a potentially interesting sweet spot in the Excursionist Perk. This program feature was meant to make it possible to visit two cities on a round trip award, but Greg has shown how it can be leveraged to save you a bundle of miles with a creative itinerary.
Keep in mind that you’ll need to be under 5/24 to be approved for this card and the welcome offer requires a lot of spend. While the initial $5K for 75K miles is very reasonable, you’ll need to spend an additional $15K (for a total of $20K spent) within the first 6 months to get the full 150K. That’s certainly not a bad return, provided that putting that much spend on the United card won’t impact your ability to meet spending requirements on other cards you may want to open.