(EXPIRED) Chase United Business Card: Last call for 150K welcome offer

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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
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 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

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 12/31/24) ⚬ 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

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.

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Bobo Bolinsky

“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…”

<i>Oh, really…?</i>

This could only be written by someone who has not tried to book a business class flight using United miles anytime recently (like, in the past year). Or who just did a copy-and-paste from a years-old earlier version of this post.

The days of getting a round-trip ticket in business class for just 170,000 United miles to “most of the world” are long, long gone (and not coming back).

The sad fact is, United awards went to “dynamic pricing” long ago, and these days, it’ll cost you 155K to 175K to get a decent <b>one-way</b> business class award seat to “most of the world” — that is, if you are lucky, you live near one of United’s hubs, and/or you are willing to accept a crappy itinerary with multiple long layovers and 30+ hours en route, or for some reason you want to fly to Warsaw in January. Go take a look at the miles-price for a round trip to Europe or Asia over on United.com, a real-world route you would want to travel. Go ahead. Most people will find one-way prices of 155K as the base level price (which comes with all sorts of compromises), and it goes up quickly from there.

Now, I have this card and it’s not a bad deal. I agree that United points are easy to use and provide a decent value <b>based on today’s highly inflated award prices</b>, but you do your readers (and your own credibility) a great disservice by pimping cards and telling someone they’ll be able to score a round-trip business class flight to “most of the world” with this card’s sign-up bonus…unless their definition of the world is extremely limited. You would be more successful hunting for unicorns, because with just 170,000 United miles, you are going to be stuck very close to home (unless you start with another 200,000 United miles).

The unfortunate truth is, for a business class seat on a United flight that’s going to cross an ocean, for most people the real-world base price starts at 155,000 miles ONE-WAY (so 310K round-trip), and for a favorable redemption (one without painful layovers) it starts at 175K each way and goes up. Sorry to be harsh, I know you pay your rent from credit card referrals, but what you’re hawking here is just not realistic.

This is a decent card and an OK deal for most players, but anyone in the game needs to understand the days of nice award redemptions at relative bargain point costs are over. All the programs (including United’s) have devalued so deeply and so repeatedly, that now your dream trip to Paris or Bangkok are gonna cost you 300,000 to 500,00 miles round-trip per seat.

dave

I dunno….I got RT in biz class from the east coast to Botswana in April 2023 for 167K miles using my United miles. Yes, RT and without ridiculous routing or layovers. It can be done, and the cash price of the routing was $18K. You may have to work a bit at it.

Gene

This offer doesn’t seem to be available through referral (only the first half of it is: 75K miles for $5K spend.) Any word on how to get a referral bonus in two-player mode?

Captain Greg

It seems likely this offer will return, right? I want to get this as a keeper card eventually, but I’m not in a rush for it right now (other than for the SUB).

Bobo Bolinsky

Yep.

The same offer (exact same offer and SUB) was available when this card was first introduced in July 2021 through early October 2021 (I got it then); the same offer returned again in January. Of course there’s no guarantee if/when it might come back, but the current offer is not unprecedented. My guess is it’ll be back in a few months.

GEORGE of the Jungle

20K spend in 180 days…… to much pressure for me

Cavedweller

$20K wow not me !!!

Matt

Thanks Tim! Do you know if United Biz cards are included in the DPs of people getting approved for some co-brand cards while over 5/24?

Matt

Thanks Tim! And FYI, a mailer I received for this offer says the expiration date is 11/9/2022.

Frank

I had this card from Feb 2021 through March 2022. 60K bonus came in March 2021 but I asked to be matched to the latest offer for an extra 15K which I got in April 2021.
So I should wait until about April next year, except I have now closed that business and have a completely different one. Your thoughts on trying for this again next month when under 5/24? I am a Chase CPC but I don’t think that helps anymore.

Frank

Thanks for your advice, Tim. I will wait. There are plenty of other cards meanwhile 🙂

I will soon find out if I can get Bus Plat #6. I have an email loink that seems to still work, but need to wait awhile still. .