Yesterday, United made significant changes to its Mileage Plus program that drastically alter how its customers earn and redeem miles. Essentially, everything can be summed up by saying that the airline really, really wants its customers to have a United credit card. It’s making its program more rewarding for those who do and penalizing those who don’t. Fittingly, there are now improved welcome offers available on the Chase United Airlines Quest and Club cards.
The Club card offers more miles: 100,000 miles after $5,000 in spend. If you value the United Club access that comes with it, that’s a decent deal. If not, the 90,000-mile offer on the United Quest card, with a $345 lower first-year annual fee, may be more appealing. Both include 3,000 Premier Qualifying Points (PQP), which brings you halfway to Premier Silver status.
Both of these offers are 10,000 miles better than the previous public version, and should be available soon via referral. You can also earn an additional 10K miles on either card when you add an authorized user within the first three months of card membership.
The Offers and Key Card Details
| Card Offer and Details |
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 ⓘ $856 1st Yr Value EstimateClick to learn about first year value estimates 70k miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 70K miles after $3K spend in the first 3 months. Plus, earn an extra 10,000 miles after you add an authorized user to your account in the first 3 months your account is open.$0 introductory annual fee for the first year, then $150 Alternate Offer: There is currently an in-flight offer for up to 75K. This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 80K Miles after $3K spend in the first 3 months (expired 5/8/25) FM Mini Review: Decent perks such as free 1st checked bag and 2 annual club visits makes this a keeper for some. Earning rate: 9X eligible United flights ✦ 3X other United purchases ✦ 2X restaurants ✦ 2X on hotel stays Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $100 Travel Credit after spending $10,000 in a calendar year ✦ 10,000-mile award flight discount after spending $20K ✦ Earn up to 1,000 PQPs per calendar year: 1 PQP per $20 spend Noteworthy perks: Two United Club passes per year on your anniversary ✦ Improved economy saver award availability ✦ 10% discount on award flights; 15% for United elite members ✦ Free first checked bag for primary cardholder and one travel companion when you pay with the card ✦ Up to $100 in credits for United Hotels ($50 each on your first two bookings per cardmember year) ✦ Up to $60 per year in rideshare credits (up to $5 per month) when using your card to pay for rideshare services.(requires annual enrollment) ✦ Up to $50 in Travel Credit for Avis or Budget car rentals per cardmember year ✦ One $10 Instacart credit per month when you have Instacart+ membership ✦ Priority boarding ✦ One year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ Up to $120 Global Entry, TSA Pre-check or Nexus credit ✦ 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card ✦ Up to $100 as a statement credit each anniversary year for JSX flights booked directly |
 ⓘ $918 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates 90K Miles + 3,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K miles and 3,000 PQPs after $4K spend in the first 3 months. Plus, earn an extra 10,000 miles after you add an authorized user to your account in the first 3 months your account is open.$350 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 100K miles and 3,000 PQPs after $4k spend in the first 3 months (Expired 8/21/25) Earning rate: 10X eligible United flight ✦5X Renowned Hotels & Resorts for United Cardmembers ✦ 4X all other United purchases ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 18,000 PQPs per calendar year: 1 PQP per $20 spend ✦ Earn an additional 10K mile award flight discount after $20K in purchases in a calendar year ✦ Earn 2 global Economy Plus seat upgrades after $40K in purchases in a calendar year ✦ 1,000 bonus PQPs each year Noteworthy perks: $200 in United® TravelBank cash each membership year - terms apply ✦ Up to $150 in statement credits per cardmember for Renowned Hotels and Resorts ✦ 10K award flight discount per cardmember year ✦ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your MileagePlus number ✦ Up to $120 Global Entry, TSA PreCheck or Nexus reimbursement ✦ Up to $100 in rideshare credits per year (up $8 per month January to November and up to $12 in December, re-enrollment is required annually) ✦ Up to $80 in Travel Credit for Avis or Budget car rentals per cardmember year ✦ One $10 and one $5 Instacart credit per month when you have Instacart+ membership ✦ 10% discount on award flights; 15% for United elite members ✦ 25% back on United inflight or Club Premium drink purchases ✦ Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year ✦ Up to $150 as a statement credit each anniversary year for JSX flights booked directly |
| Card Offer and Details |
|---|
 ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles + 3,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100k miles + 3,000 Premier Qualifying Points after $5k spend in first 3 months + 10K bonus miles after you add an authorized user in the first 3 months. $695 Annual Fee This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months. FM Mini Review: While pricey, the Chase United Club Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. . Earning rate: 11X eligible United flights ✦ 5X Other United purchases ✦ 5X Renowned Hotels & Resorts for United Cardmembers ✦ 2X dining & travel Base: 1X (1.3%) Travel: 2X (2.6%) Flights: 2X (2.6%) Hotels: 2X (2.6%) Dine: 2X (2.6%) Brand: 11X (14.3%) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 28,000 PQPs per calendar year: 1 PQP per $15 spend ✦ Earn a 10K award discount after $20K spend in a calendar year ✦ Earn an additional 10K award discount after $40K spend in a calendar year ✦ Earn United Club All access membership after $50K spend in a calendar year or achieving Premier Gold status or higher + 4 United Club passes when you also have an authorized user Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ✦ 10% discount on award flights; 15% for United elite members ✦ Up to $120 for Global Entry, TSA Precheck or Nexus fee credit ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Free 1st and 2nd checked bags ✦ Up to $200 in statement credits per cardmember for Renowned Hotels ✦ Up to $150 in rideshare credits per year (up $12 per month January to November and up to $18 in December, re-enrollment is required annually) ✦ Up to $50 in Travel Credit for Avis or Budget car rentals per cardmember year up to two times ✦ Avis President's Club Status ✦ Primary auto rental collision damage waiver ✦ Free Instacart+ membership through 12/31/27 ✦ Two $10 Instacart credits per month through 12/31/27 ✦ IHG Platinum status ✦ 1,500 bonus PQPs each year ✦ Up to $200 as a statement credit each anniversary year for JSX flights booked directly |
Quick Thoughts
United has essentially made having a credit card obligatory if you engage with the program in any significant way. Cardholders earn 3 additional miles per dollar on flights, regardless of elite status, get 10-15% off award prices, and see significantly more award availability. In fact, Greg searched Newark to London, and for the day he searched, he found business class saver award space on 6 of 7 flights. His wife, who isn’t a cardholder, found none. Earning miles while flying basic economy is now only possible if you hold a credit card. United is going all in to ensure as many of its customers as possible have a Mileage Plus credit card.
Both of these offers are good for the respective cards, if not the best we’ve seen. The biggest differentiator, in my opinion, is whether or not United Club access is valuable to you. If not, there’s no reason to pay the extra $345, especially given the Quest card’s perks.
Each card falls under Chase’s 5/24 rule, so check out Greg’s post on ways to check your status if you’re uncertain of where you stand.
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The Club card is actually at 100k (110k w/ auth user) miles + 3000 PQP right now.
Thanks, I’ve fixed our card display to reflect that.
Actually Business and Club Biz are both 100k/110k + 2000 PQP now also.