The Chase United Business card now has an increased welcome offer of 100,000 United MileagePlus miles and 2,000 Premier Qualifying Points (PQP) after only $5,000 spend in 3 months. You can get an additional 5,000 miles by also adding an authorized user within the first three 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 and 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 100,000 United Miles and 2,000 Premier Qualifying Points (PQP) after the same $5,000 in minimum spend, but you get 10,000 additional miles when adding an authorized user for a total of 110K. That card has a much higher annual fee of $695, but it also comes with a United Club membership, which, in addition to the bonus PQP, may make it more appealing for some United loyalists.
The Offers & Key Card Details
| Card Offer and Details |
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 ⓘ $1060 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles + 2,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K miles + 2,000 PQP after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open.$150 Annual Fee Recent better offer: 125K miles after $5K spend in first 3 months (expired 5/8/25) 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 United Hotels ✦ 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: $125 annual United travel credit after 5 United flight purchases greater than $100 each calendar year ✦ Earn up to 4,000 PQPs per year: 1 PQP per $20 spend ✦ 2 Economy Plus seat upgrade credits after $25K in purchases in a calendar year Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Up to $50 in statement credits for United Hotels purchases up to two times per cardmember year ✦ Up to $100 in rideshare statement credits (up to $8/mo from January to November and up to $12 in December) 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 ✦ Up to $25 in TravelBank cash for eligible Avis or Budget car rentals up to two times per cardmember year ✦ 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 ✦ One $10 Instacart credit per month when you have Instacart+ ✦ FareLock $25 per anniversary year |
| Card Offer and Details |
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 ⓘ $678 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles + 2,000 PQP Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 100K Miles + 2,000 PQP after $5K in purchases 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$695 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. Recent better offer: 125K Miles after $5K in purchases in the first 3 months (expired 5/8/25) 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: 5X on stays at Renowned Hotels and Resorts for United Cardmembers ✦ 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 28,000 PQPs per calendar year: 1 PQP per $15 spend ✦ Earn 2 global Economy Plus seat upgrades after $40K in purchases in a calendar year ✦ 4 United Club one-time passes and United Club All Access Cardmember membership after $50K in net purchases or earning Premier Gold status and having an authorized user Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Up to $200 in statement credits for purchases with Renowned Hotels and Resorts for United Cardmembers each cardmember year ✦ Up to $150 in rideshare statement credits ($12/mo from January to November and $18 in December) ✦ Up to $50 in United TravelBank cash for an eligible Avis or Budget rental made through cars.united.com up to twice per cardmember year ✦ 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® ✦ Two $10 Instacart credits monthly when you have Instacart+ membership ✦ Complimentatry Instacart+ membership through 12/31/27 ✦ FareLock $50 per anniversary year ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card |
Quick Thoughts
This is a very good offer with a first-year value of ~$1060 based on our reasonable redemption values for United miles. That’s a big haul for a card with a $150 annual fee. 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.
This offer will most likely be available for referrals within a week or so. If you’re in a household that already has a United card, it might be worth waiting a bit to see if that happens.
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.
- Sapphire cards: The Sapphire Preferred or Sapphire Reserve cards no longer have a family rule that prevents you from getting one if you currently have the other. However, both now have significant limitations that may prevent you from being eligible for a welcome offer if you've previously had the same card. In that event, you'll get a pop-up window that tells you that you're not eligible before you get a credit check and will ask whether or not you want to proceed with the application without the welcome offer attached.
- Southwest "Family" Rules: 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 the 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 for another IHG consumer card if you already have one open. You can have both an IHG personal and an IHG business card.
- 2 per month Rule: Most applicants are limited to 2 new cards per 30 days. Business cards are usually limited to one per 30 days.
- 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 number 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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