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Update 4/4/24: These excellent United business card offers are still showing up on referrals, even though the public and affiliate offers have expired. This allows folks in 2-player (or more) mode to do a household referral, adding an additional 10,000 United miles to an already impressive offer.
Note that the landing page for referral links shows only shows the personal United cards. Click “Are you a small business owner?” on the top right and you’ll be taken to the page with the Business and Club Business.
~~Original Post Follows~~
The Chase United Business card now has an increased welcome offer of 100K United MileagePlus miles after only $5K spend in 3 months. We’ve seen offers as high as 150,000 miles on this card before, but with 3-4x the required minimum spend. This kind of return on a $99 card with only $5K in spend will be very attractive for some folks.
This puts the United Business card in the top-10 most valuable business card welcome offers on our Best Offers Page.
The United Club Business card also has an increased offer of 75,000 United Miles and 1,000 Premier Qualifying Points (PQP) after the same $5,000 in minimum spend. The card has a much higher annual fee of $450, but it also comes with a United Club membership was well. That, plus the additional PQP, may be more appealing for some United loyalists.
The Offers & Key Card Details
| 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 |
| Card Offer and Details |
|---|
50K Miles + 1,000 PQP ⓘ Non-Affiliate 50K miles + 1,000 Premier Qualifying Points after $5K spend in first 3 months.$450 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership Earning rate: ✦ 2X United ✦ 1.5X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Get one year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Free 1st and 2nd checked bags ✦ Primary auto rental collision damage waiver ✦ Hertz Gold Plus Rewards® President's Circle® |
Quick Thoughts
This is a very good offer with a first year value of ~$1200 based on our reasonable redemption values for United miles. That’s a big haul for a $99 annual fee card. While United doesn’t have the sweetest of sweet spots, they do have miles that are very easy to use and also don’t add fuel surcharges onto award tickets.
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.
Chase Application Tips
- 5/24 Rule: You most likely will not get approved for a new card if you have opened 5 or more cards (with any bank) within the past 24 months. Most business cards do not count towards that five card total. Business cards that DO count include: TD Bank, Discover and the Capital One Spark Cash Select, Spark Miles and Spark Miles Select.
- 24 Month Rule: If you’ve previously had a card before, you can only get a welcome offer on that card again if you no longer have the card AND if it has been more than 24 months since you last received a welcome offer for that card. This rule does not apply to the Sapphire Preferred and Reserve cards (see below). There can be exceptions with some business cards.
- 48 Month Rule (Sapphire cards): If you’ve previously had either the Sapphire Preferred or Sapphire Reserve cards, you can get the welcome offer for another Sapphire card only if you no longer have either card AND if it has been more than 48 months since you last received a welcome offer for the card.
- Southwest "Family" Rules: In addition to Sapphire cards' 48-month rule, Chase applies additional "family" rules to the Southwest cards. You're not eligible for the welcome offer on a personal Southwest card if you currently have one, or if you've received a welcome offer on any personal Southwest card within the last 24 months. This doesn't apply to business cards. You also can't be approved for Southwest consumer card if you already have one open.
- IHG "Family" Rules: You're not eligible for the welcome offer if you've received a welcome offer on any personal IHG card within the last 24 months. You also can't be approved another IHG consumer card if you already have one open.
- 2 per month Rule: Most applicants are limited to 2 new cards per month. Business cards are usually limited to one per month.
- Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
- Card Limits: Chase doesn't have a strict limit on the amount of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. Because of this, reconsideration can sometimes be successful by moving credit from one existing card to the new card that you want.
- Application Status: Call (888) 338-2586 to check your application status.
- Reconsideration: If denied, call (888) 270-2127 for personal cards, or (800) 453-9719 for business cards, and ask for your application to be reconsidered.
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Is there still a 100,000 referral link?
Any idea on expiration date of this offer?
Also, is it possible to apply for one Chase business card and one personal card in the same month? If yes, is it better to do it on the same day or space it out?
We haven’t heard anything regarding an expiration date, unfortunately. Chase will approve you for two cards in one day, even two personal cards. At one point, there were some folks who felt it was better to space them out by one day, but I’m not sure that’s really an issue any more.
https://www.usatoday.com/money/blueprint/credit-cards/new-united-business-cards-welcome-offers/#:~:text=There%27s%20a%20%240%20intro%20annual,Offer%20ends%20April%203%2C%202024.
Apparently April 3rd, 2024.
Can you refer from a United personal card? Or does it have to come from the United Business?
No, you can refer from personal to business and vice versa.
Nice offer but this one had a 150k offer some time back. Not sure if it will ever get that high again.
It was 150K for a long time, but the minimum spend for that offer was $20,000…$15K more than this one.
Yes, totally forgot! Good callout
If you check the card details section above, they often note the past best offer. That one required $20k spent in 6 months.
@Tim Steinke This offer is available thru referral now also – so friends/fam can get an extra 10k
We just noticed that on Greg’s cards! Thanks for the info!
Any data points on whether 5/24 is checked for this card? If so, do Auth User cards count against the 5/24 total?
Yes, 5/24 does apply to the card, but like other business (and some personal) cards, there’s data points of people getting approved above 5/24. So, it’s not 100%. Unfortunately, there’s no way to tell for sure without submitting an application.
Neither primary nor authorized user cards will count towards 5/24 (this is true for the majority of business cards).
Sorry, I was unclear on my 2nd question. What I meant was, if I have two AU cards on my credit report, will they count those toward the five max in 24 months? Or do they only count cards directly issued to me?
Ahhh…you’re right, I misunderstood. No, they don’t. That said, sometimes folks do get auto-declined because of AU cards, but then almost always are approved on a reconsideration call where you can point out that AU cards are being counted against you to an actual person (assuming that you were declined for 5/24 and not some other reason).
I got immediate approval despite three of AU cards putting me over 5/24, so I guess they didn’t count them here as you suspected. CS=807.
*75k miles after 5k spend (not 3) on club card
Hey Josh, can you tell me where you see the $3K number? I’m not seeing it in the text of the post or the card display.
It was in the text box under The Offers & Key Card Details section but it looks like it’s now been updated. Maybe some cache update issue.
Ah, ok. Thanks. Yes, we’ve been having some issues with our TablePress cache refreshing today. Glad to hear that you’re not seeing it now!
I’m not seeing the AF waived the first year on the 100K offer as written in your Offer & Key Card details section. Might have been left over from a previous offer?
I’m not seeing this either. Any ideas?
Yes, it was. I refreshed the cache on our side, you should see it displaying correctly now.
How often can you get this card?
24 months after receipt of last bonus (as opposed to last approval).
Do you have to cancel the 1st card, or can one have multiple cards of same variety?
Still no match for the 100k + 40k referral Ink Preferred for those who have a P2.
That’s a good one, for sure. You can’t really beat household referrals on the Ink cards. That said, if you’re planning on transferring to United anyway and don’t have a P2 with an Ink, this is actually better, simply because the required spend is $3K less for the same amount of United miles.
I could even understand an argument for 110K for $5K on a United household referral vs 140K on $8K via the Inks, especially for those with limited spend capacity. You’re effectively getting an extra 30K miles for $3K spend. That’s great, but you could do even better putting that $3K towards another SUB.
Transferring UR-United isn’t my preferred use of Ultimate Rewards, but plenty of folks do it. Towards that goal, 100K on $5K is worth a look. If you’re using the UR for Hyatt, well, that’s a different story. 🙂
I wonder if 110k will happen though. Some of the very high co-branded SUBs are never offered as referrals (Marriott five 50k certs, for example). This is the best offer this card has ever had (definitely better than the 150k offer for $20k spend).
That’s a great point, it may not. The Ink 90K matching offers give me some hope, but we may not see the the referral offer rise…especially on a co-branded card like this.
I called chase and the person I talked to looked up the details of the offer (on their end) and said that the offer will not be matched from other signup bonuses for the card. It sounds like this is true whether it’s a 50k referral bonus or any other offer that someone signs up with that is not the 100k offer. He said that sometimes his employee paperwork doesn’t mention this for other cards and those SUB offers can sometimes be matched.
So, it sounds like signing up through a referral and asking to be matched will not work for this card for now. I asked if that meant that this offer will never be available via referral, and he couldn’t say. It will be interesting to see if it ever becomes available via referral. It’s just one rep, but he sounded skeptical based on what he was reading. I wonder if the paperwork saying that they won’t match is an indication that it will never be the referral offer? It will be interesting to see…
Considering the recent devaluation of United mileage program, this offer is not great as it sounds
Do you think chase will match to this offer if I sign up for the 50k offer through P2’s referral?
In case anyone is curious, the answer to this question appears to be “no.”