[Ends Tomorrow Afternoon!] Earn Up To 100,000 Miles With Bonus Offers On 6 Chase United Cards That Have My Favorite Airline Card Benefit! Plus, Updated Comparison Chart

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Update: These offers will end tomorrow at 3:59pm ET!


United card offers

United has limited time offers available on their credit cards. The United cards have some of the best perks for travelers out of all the airline cards, making them a must have for anyone flying on United. All of these United cards offer expanded saver award availability, an incredible perk that no other airline card offers! Plus you can pay yourself back for the annual fee at an excellent value of 1.5 cents per mile!

While United miles are not as valuable as they used to be, they no longer expire and there are advantages to using miles over cash or bank points.

When you use cash or bank points you won’t get benefits like free bags for using your United card, whereas with miles you can put the taxes on your credit card to get those benefits.

Plus, you can cancel award tickets for free 30+ days before your flight and get back all of your miles and taxes. As there are free date changes at any time before departure, that effectively means you can always cancel and get back your miles. That’s a huge peace of mind that is hard to calculate and accurately value when comparing the value of a mileage ticket to a cash ticket.


  • Chase United Gateway Card
    • Earn 30,000 bonus miles after spending $1,000 in the first 3 months of card membership.
    • This card previously offered 20,000 bonus miles.
    • No annual fee.
    • Earn 2 miles per dollar on United purchases, gas stations, transit and commuting, including ride share services, taxicabs, train tickets, tolls, and mass transit.
    • 1 year free DoorDash membership.
    • $10 monthly GoPuff credit through 12/31/23.

  • Chase United Explorer Card
    • Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after spending $3,000 in the first 3 months of card membership, plus earn another 10,000 bonus miles for spending another $3,000 within 6 months of card membership.
    • $0 intro annual fee, then $95. You can currently redeem 6,600 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!
    • Earn 2 miles per dollar on hotels and dining as well as on United purchases.
    • Cardholders get Global Entry/PreCheck/NEXUS for free.
    • A free checked bag worldwide for the cardholder and a companion, even on basic economy fares.
    • A free carry-on bag for the cardholder and companions, even on basic economy fares.
    • Priority boarding for the cardholder and companions, even on basic economy fares.
    • The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
    • 2 free United Club passes every year for being a cardmember.
    • Primary rental car CDW insurance in every country.
    • Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes for the cardholder with status and a companion!
    • If you spend $12K/year on the card it will give you 500 PQPs and if you spend $24K/year you’ll get 1,000 PQPs. PQPs from multiple cards can stack together up to 5,000 PQPs.
    • 1 year free DoorDash membership.
    • $10 monthly GoPuff credit through 12/31/23.

  • Chase United Quest Card
    • Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months of card membership.
    • $250 annual fee. You can currently redeem 16,667 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!
    • Earn 3 miles per dollar on United purchases.
    • Earn 2 miles per dollar on travel, dining, and streaming
    • Cardholders get Global Entry/PreCheck/NEXUS for free.
    • Get a rebate up to $125 every cardmembership year, equal to the amount spent on United tickets, upgrades, seat assignment fees, WiFi, inflight food and beverages, baggage fees, or other United charges. This will also work for United Travel Bank funding valid for future United flights with a minimum 5 year validity!
    • Get a rebate of 5,000 miles, up to 2 times per cardmembership year starting with your first card anniversary, for a total of up to 10,000 miles per year, when the primary cardholder flies on an award that includes at least 1 United flight segment. You’ll get the 5,000 mile rebate even if the award cost less than 5,000 miles! You’ll want to redeem 2 one-way awards as those will each trigger a 5,000 mile rebate.
    • 2 free checked bags worldwide for the cardholder and a companion, even on basic economy fares. A value of up to $680 round-trip!
    • A free carry-on bag for the cardholder and companions, even on basic economy fares.
    • Priority boarding for the cardholder and companions, even on basic economy fares.
    • The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
    • Primary rental car CDW insurance in every country.
    • Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes for the cardholder with status and a companion!
    • Earn 500 PQPs towards elite status for every $12K/year spent on the card, up to 3,000 PQPs for $72K/year spending. PQPs from multiple cards can stack together up to 5,000 PQPs.
    • 1 year free DoorDash membership.
    • $10 monthly GoPuff credit through 12/31/23.

  • Chase United Club Infinite Card Card
    • Earn 100,000 bonus miles after spending $5,000 in the first 3 months of card membership.
    • This card previously offered an annual fee waiver with no bonus miles.
    • This card has a hefty $525 annual fee, though that’s cheaper than even top-tier United elite members pay for a Club membership, which is included with the card. You can currently redeem 35,000 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!
    • Full United Club membership: Cardholders get a full United Club membership. You can bring your entire family, or you and 2 guests, to enter over 1,000 United and partner lounges and Star Alliance lounges worldwide when flying United or Star Alliance airlines. Club membership normally costs $650 per year.
    • 4 miles per dollar on United purchases, including tickets, upgrades, WiFi, inflight food and drinks.
    • 2 miles per dollar on all other travel and dining and 1 mile per dollar elsewhere.
    • Cardholders get Global Entry/PreCheck/NEXUS for free.
    • 2 free checked bags worldwide for the cardholder and a companion, even on basic economy fares. A value of up to $680 round-trip!
    • IHG Platinum elite status which gives free internet, 50% bonus points, upgrades, welcome amenity, late checkout, and more. Plus your IHG points will never expire if you have status.
    • $75 IHG hotel credit for use in 2022.
    • Avis President’s Club Status.
    • Instant discount on select United awards: Cardholders get a 10% instant discount on saver awards within the US48 and Canada. This applies to X class (saver awards available to everyone) and XN class (expanded saver awards available only for United cardholders) flights.
    • Signup for CLEAR and get 10,000 miles: Cardholders who enroll in CLEAR will get 10,000 bonus miles if they enroll by 6/30/22. You will also be able to enroll in CLEAR for $109. You must provide your MileagePlus account number here when you sign up for CLEAR to get the discount price and bonus miles. Allow 4-6 weeks after the sign-up for miles to post to your account.
    • Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes for the cardholder with status and a companion!
    • A free carry-on bag for the cardholder and companions, even on basic economy fares.
    • Premier Access: Priority check-in, security screening, boarding, and baggage handling privileges.
    • 3 free years of Shipt for free deliveries from Target stores and more.
    • The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
    • Primary rental car CDW insurance in every country.
    • Earn 500 PQPs towards elite status for every $12K/year spent on the card, up to 4,000 PQPs for $96K/year spending. PQPs from multiple cards can stack together up to 5,000 PQPs.
    • 1 year free DoorDash membership.
    • $10 monthly GoPuff credit through 12/31/23.

  • Chase United Business Card
    • Earn 75,000 bonus miles after spending $5,000 in the first 3 months of card membership.
    • This card previously offered 60,000 bonus miles for spending $5,000 in the first 3 months of card membership.
    • $0 intro annual fee, then $95. You can currently redeem 6,600 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!
    • A free checked bag worldwide for the cardholder and a companion, even on basic economy fares.
    • 2 miles per dollar on United, restaurants, gas stations, office supply stores, local transit, taxis, tolls, mass transit, and ride share services.
    • 5,000 bonus miles every card anniversary if you have this United business card and any United consumer card.
    • $100 annual statement credit if you make 7 United purchases of $100 or more on the card.
    • 25% statement credit for food, beverage, and WiFi purchases on United flights.
    • A free carry-on bag for the cardholder and companions, even on basic economy fares.
    • Priority boarding for the cardholder and companions, even on basic economy fares.
    • The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
    • 2 free United Club passes every year for being a cardmember.
    • Primary rental car CDW insurance in the US when renting for business purposes and in every other country for any rental purpose.
    • Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes for the cardholder with status and a companion!
    • If you spend $12K/year on the card it will give you 500 PQPs and if you spend $24K/year you’ll get 1,000 PQPs. PQPs from multiple cards can stack together up to 5,000 PQPs.
    • 1 year free DoorDash membership.
    • $10 monthly GoPuff credit through 12/31/23.

  • Chase United Business Club Card (Click on apply now to reach this card application)
    • Earn 75,000 bonus miles after spending $5,000 in the first 3 months of card membership.
    • This card previously offered 50,000 bonus miles.
    • This card has a hefty $450 annual fee, though that’s cheaper than even top-tier United elite members pay for a Club membership, which is included with the card. You can currently redeem 30,000 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!
    • Full United Club membership: Cardholders get a full United Club membership. You can bring your entire family, or you and 2 guests, to enter over 1,000 United and partner lounges and Star Alliance lounges worldwide when flying United or Star Alliance airlines. Club membership normally costs $650 per year.
    • Earn 1.5 miles per dollar everywhere and 2 miles per dollar on United purchases.
    • 2 free checked bags worldwide for the cardholder and a companion, even on basic economy fares. A value of up to $680 round-trip!
    • A free carry-on bag for the cardholder and companions, even on basic economy fares.
    • Premier Access: Priority check-in, security screening, boarding, and baggage handling privileges.
    • Avis President’s Club Status.
    • The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
    • Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes for the cardholder with status and a companion!
    • If you spend $12K/year on the card it will give you 500 PQPs and if you spend $24K/year you’ll get 1,000 PQPs. PQPs from multiple cards can stack together up to 5,000 PQPs.
    • 1 year free DoorDash membership.
    • $10 monthly GoPuff credit through 12/31/23.

Comparison chart

 United Gateway United Explorer United Quest United Club Infinite United Business United Club Business
Signup BonusEarn 30,000 bonus miles after spending $1,000 in the first 3 months of card membership.Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after spending $3,000 in the first 3 months of card membership and earn another 10,000 bonus miles after spending another $3,000 in the first 6 months of card membership.Earn 80,000 bonus miles after spending $5,000 in the first 3 months of card membership.Earn 100,000 bonus miles after spending $5,000 in the first 3 months of card membership.Earn 75,000 bonus miles after spending $5,000 in the first 3 months of card membership.Earn 75,000 bonus miles after spending $5,000 in the first 3 months of card membership.
Annual FeeNone$0 Intro annual fee, then $95$250 (or use 16,667 miles)$525 (or use 35,000 miles)$0 Intro annual fee, then $95$450 (or use 30,000 miles)
Annual credit on United tickets and fees$0$0$125$0$0$0
Access to expanded saver and standard award spaceYesYesYesYesYesYes
United ClubNo2 annual one-time passesNoFull membership2 annual one-time passesFull membership
Annual anniversary creditNoneNoneUp to 2 rebates of 5K miles each when you redeem for a United awardNone5K miles if you also hold any United Consumer card.

$100 United credit for making 7 United flight purchases of $100.
None
Foreign transaction fees0%0%0%0%0%0%
25% back on in-flight purchases.YesYesYesYesYesYes
First checked bag fee waiver for cardholder and companion, even on basic economyNoYesYesYesYesYes
Second checked bag fee waiver for cardholder and companion, even on basic economyNoNoYesYesNoYes
Free full size carry-on bag on basic economy for cardholder and companionsNoYesYesYesYesYes
Priority boarding for cardholder and companions, even on basic economyNoYesYesYesYesYes
Premier Access Checkin, baggage handling, security, and boardingNoNoNoYesNoYes
Allows the use of online checkin on basic economy for cardholder and companionsNoYesYesYesYesYes
Miles per dollar on everyday purchases111111.5
Miles per dollar on United purchases223422
Miles per dollar on restaurant purchases122221.5
Miles per dollar on gas211121.5
Miles per dollar on transit, commuting, and rise sharing212221.5
Miles per dollar on hotels122211.5
Miles per dollar on office supply stores111121.5
Miles per dollar on streaming112111.5
Miles per dollar on car rentals112211.5
Roadside AssistanceNoNo4 free incidents per year4 free incidents per year4 free incidents per year4 free incidents per year
Return protectionNoNoNo$500/item, up to $1,000/year.No$500/item, up to $1,000/year.
Purchase protection120 days theft or damage coverage, up to $500120 days theft or damage coverage, up to $10K. 120 days theft or damage coverage, up to $10K. 120 days theft or damage coverage, up to $10K. 120 days theft or damage coverage, up to $10K. 120 days theft or damage coverage, up to $10K.
Extended warranty1 year1 year1 year1 year1 year1 year
Car Rental CDW InsuranceSecondaryPrimaryPrimaryPrimaryPrimary for business purposes onlyPrimary for business purposes only
Global Entry/Pre-Check creditNoYesYesYesNoNo
Baggage Delay insuranceNo$100/day up to 3 days$100/day up to 3 days$100/day up to 3 days$100/day up to 3 days$100/day up to 3 days
Lost Baggage insuranceNo$3,000/passenger$3,000/passenger$3,000/passenger$3,000/passenger$3,000/passenger
Trip Delay InsuranceNo$500 trip delay insurance coverage/ticket on 12+ hour delays$500 trip delay insurance coverage/ticket on 12+ hour delays$500 trip delay insurance coverage/ticket on 12+ hour delays$500 trip delay insurance coverage/ticket on 12+ hour delays$500 trip delay insurance coverage/ticket on 12+ hour delays
Trip Cancellation/Trip Interruption Insurance$1.5K/person and $6K/trip.$1.5K/person and $6K/trip.$1.5K/person and $6K/trip.$10K/person and $20K/trip.$1.5K/person and $6K/trip.$10K/person and $20K/trip.
IHG Platinum StatusNoNoNoYesNoNo
IHG $75 Hotel Credit In 2022NoNoNoYesNoNo
Avis Presidents Club StatusNoNoNoYesNoYes
PQPs from spendingNo500 PQPs for $12K spending, capped at 1K PQPs/calendar year for this card and 5K PQPs/calendar year per United account500 PQPs for $12K spending, capped at 3K PQPs/calendar year for this card and 5K PQPs/calendar year per United account500 PQPs for $12K spending, capped at 4K PQPs/calendar year for this card and 5K PQPs/calendar year per United account500 PQPs for $12K spending, capped at 1K PQPs/calendar year for this card and 5K PQPs/calendar year per United account500 PQPs for $12K spending, capped at 1K PQPs/calendar year for this card and 5K PQPs/calendar year per United account
Premier upgrades with a companion upgrade on award ticketsNoYesYesYesYesYes
Instant discount on select United saver awardsNoNoNo10% discountNoNo
10K bonus miles for enrolling in CLEARNoNoNoYesNoNo
3 free years of Shipt MembershipNoNoNoYesNoNo

Welcome bonus terms

You can receive the bonus on each of these cards if you haven’t received a bonus on the same exact card in the past 24 months and don’t currently have the same exact card.

If you do have the exact same card you can change to another United card, wait 3-4 days, and apply for that card again.


5/24

While all Chase cards are typically subject to 5/24 restrictions, there have been many reports of that not being enforced for United consumer cards. If you apply for a United card and are over 5/24, please let us know what happens!

In general, 5/24 means that you won’t be approved for a Chase card if you have been approved for 5 or more consumer credit cards in the past 24 months. Read more about that here.


Spend Threshold

You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

See this post for more ideas on meeting a credit card spend threshold.


Card convertibility

You can change a consumer card between all 4 United consumer card products:

You can change a business card between both United business card products:


Pay yourself back for the annual fee

You can redeem United miles to pay yourself back for the annual fee at a rate of 1.5 cents per mile!

You can pay back all or part of the annual fee at that rate.

You have 90 days from when the fee is billed to pay yourself back and you can do so even after paying the annual fee.

You can use miles from the card’s signup bonus or you can transfer points from Ultimate Rewards to United to pay back the annual fee.


Card benefits

In addition to the benefits listed above, all 6 cards offer:


United Cards As Part Of A Chase Quinfecta Strategy

All of the United cards have unique benefits, so which should you get?

That depends on which benefits you value and how much they would cost you otherwise.

It’s worth noting that you can get the signup bonus for each United card as long as you didn’t get the bonus for that exact card within the past 24 months and don’t currently have that exact card.

If you have a United consumer card you can change to any currently offered United consumer card and if you have a United business card you can change to any currently offered United business card. After waiting 3-4 days you can apply for that card again.

It certainly makes sense to have a United card on top of a Chase Quinfecta strategy as just having the card makes your points more valuable. That consists of:

  1. Sapphire Reserve or Sapphire Preferred or Ink Preferred for mileage transfers and bonus value on points.
  2. A no-fee Freedom Unlimited or Ink Unlimited for 1.5 points per dollar everywhere.
  3. A no-fee Freedom Flex for 5 points per dollar in rotating categories.
  4. A no-fee Ink Cash for 5 points per dollar on wireless and office supply stores, including gift cards to stores like Amazon and hundreds more.
  5. Having a United card on top of the cards above creates a Chase Quinfecta as your United miles (and by extension your Chase points) become more valuable thanks to expanded award availability.

Here is a summary comparing what the currently available United cards have to offer:

  • If you just want expanded award availability, go for the no-fee United Gateway Card. However you should get a premium consumer card with a higher signup bonus and downgrade the card after your first year as the higher signup bonus will more than offset the first year’s annual fee. Plus you can redeem miles to directly cover the annual fee and still come out ahead.
  • If you also want to be able to get a free bag and bypass onerous basic economy restrictions, go for the United Explorer Card or United Business Card.
  • If you will be able to take advantage of the Quest card’s $125 and 10,000 mile rebates, then the United Quest Card will effectively be cheaper than the Explorer card, plus you’ll get 2 free bags to boot!
  • If you want United Club access, go for the Chase United Club Infinite Card Card or United Business Club Card
  • Grandfathered cards like the old United Presidential Plus card (good for earning more PQPs towards United elite status) and the old consumer United Club card (similar to the current United Business Club card) can’t be had anymore, so think twice before you close those.

Expanded award ticket availability

The reason the United cards are the best airline cards you can get isn’t for the spending benefits, it’s for the perks. And they are awesome.

The United cards are the only airline card that offers expanded award ticket availability.

All 4 of these cards offer this benefit.

This increases the value of your miles significantly and in turn makes the Chase Quadfecta/Quinfecta spending strategy even more valuable.

Cardholders have access to significantly expanded saver coach award availability (XN class), last seat standard coach award availability (YN class), and last seat standard business/first class award availability (JN class).

If you’re not a United cardholder, there are no dates with saver award space nonstop from Newark-Tel Aviv in November-December:

If you are a United cardholder, there are many dates with saver award space:

 

This availability differential applies to all domestic and international routes and makes it crucial to be a United cardholders.


Expanded Plan B availability

As you have better access to saver coach awards you’ll also have better ability to do Plan B awards.

Plan B allows you to redeem for saver business class awards when there’s only saver coach available! Read more about Plan B in this post.

No airline besides United offers a Plan B style award redemption.


Discounted awards for cardholders

United runs promotions offering discounts on award flights for cardholders.

They have offered these discounts for travel to TahitiSki destinationsHawaii, Mexico, The Caribbean, and more.


Here Is United’s Hidden Award Chart

United no longer publishes an award chart, but rates for United flights found in their old award chart are still correct.

United does charge a close-in mileage surcharge and they can be found in the chart below. Note that the you’ll want to book travel as 2 one-ways to avoid paying the surcharge on the return leg when it wouldn’t apply when booked separately. However if you do that you would lose your ability to take a free stopover.

Partner award rates have gone up and they can be found in the unpublished award chart below with one-way rates for flights to/from the mainland US:

 United flightsPartner flights
Close-in surcharge within 7 days2.5K-3K miles
1K-3.5K miles
Close-in surcharge 8-21 days in advance2K-2.5K miles1K-3.5K miles
Mainland US/Canada12.5K Coach
25K Business
35K Premium Business
14K Coach
27.5K Business
Alaska17.5K Coach
30K Business
40K Premium Business
19.5K Coach
33K Business
Hawaii22.5K Coach
40K Business
50K Premium Business
25K Coach
44K Business
Mexico17.5K Coach
30K Business
19.5K Coach
33K Business
Central America17.5K Coach
30K Business
19.5K Coach
33K Business
Northern South America20K Coach
35K Business
22K Coach
38.5K Business
Southern South America30K Coach
60K Business
33K Coach
66K Business
Europe30K Coach
60K Business
33K Coach
77K Business
121K First
Africa40K Coach
70K Business
44K Coach
88K Business
143K First
Middle East42.5K Coach
75K Business
47K Coach
93.5K Business
154K First
Central Asia42.5K Coach
75K Business
47K Coach
93.5K Business
154K First
South Asia40K Coach
75K Business
44K Coach
99K Business
154K First
North Asia35K Coach
70K Business
38.5K Coach
88K Business
132K First
Japan and Oceania35K Coach
70K Business
38.5K Coach
88K Business
121K First
Australia and New Zealand40K Coach
80K Business
44K Coach
99K Business
143K First

Excursionist Perk

While American and Delta have eliminated free stopovers, United continues to offer a free excursionist perk as described in this post. Just use the multi-city award search on United.com to piece it together.

You can read this post for more about hacking excursionist perks.

 

A round-trip to 2 Hawaiian Islands is just 45,000 miles round-trip thanks to the free excursionist perk:

 

A round-trip ticket to 2 European or South American cities is just 60,000 miles round-trip thanks to the free excursionist perk:

 

 

A flight to 2 of my favorite cities in Asia, Hong Kong and Chiang Mai, Thailand is 80K miles thanks to the perk:

 

You’re even allowed a free open jaw in addition to the perk to really maximize your travel. For example this itinerary includes travel to London, Paris, and Zurich. You can take a train or use 4.5K BA Avios to get from London to Paris to fill the hole in the open jaw:

 

Of course the free stopover isn’t just useful from the US.

You can stopover in NYC and LA when flying from Tel Aviv to the US:

 

 

If you find yourself in Japan you can fly on the island hopper to 2 cities in Micronesia (I’ve been hankering to get back to Palau since the moment I left) for 30K miles:

You can also hack the excursionist perk for even more value.

You can use the multi-city search to book 2 flights within a single region and then you can book a free one-way within any other region sandwiched in between your flights.

For example if you book a round-trip from Cleveland to Chicago for 6,240 miles you can add in a free Excursionist Perk flight anywhere else in the world in between your flights, such as onboard the United Island Hopper from Palau to Kosrae via Guam, Chuuk, and Pohnpei, a flight that costs $598 or 12.5K miles on its own:

Or if you book a one-way flight from Cleveland to Chicago and then Chicago to Kansas City for 6,240 miles you can add in a free Excursionist Perk flight anywhere else in the world in between your flights, such as Johannesburg to the Seychelles, a flight that costs $473 or 19.5K miles on its own.


Partner airlines

United has dozens of partner airlines which means lots of great award opportunities. It can be worth checking for award space on partner sites like ANA or Aeroplan.com to search for award availability and then call United to book if you don’t see availability on United.

Partners airlines include:

  • ANA
  • Aegean Airlines
  • Aer Lingus
  • Air Canada
  • Air China
  • Air Dolomiti
  • Air India
  • Air New Zealand
  • Aeromar
  • Asiana Airlines
  • Austrian Airlines
  • Avianca Airlines
  • Azul Brazilian Airlines
  • Brussels Airlines
  • Cape Air
  • Copa Airlines
  • Croatia Airlines
  • EVA Air
  • Edelweiss
  • Egyptair
  • Ethiopian Airlines
  • Eurowings
  • Germanwings
  • Hawaiian Airlines
  • Island Air
  • Juneyao Airlines
  • LOT Polish
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Silver Airways
  • Singapore
  • South African Airways
  • Swiss International Airlines
  • TAP Portugal
  • THAI
  • Turkish Airlines

Business card information

Some of these are business cards, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

It’s important to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.

Business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for Chase business cards won’t “hurt” your 5/24 count.

Another benefit of business cards not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.


Will you signup for one of these cards? Which United cards do you have?

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17 Comments On "[Ends Tomorrow Afternoon!] Earn Up To 100,000 Miles With Bonus Offers On 6 Chase United Cards That Have My Favorite Airline Card Benefit! Plus, Updated Comparison Chart"

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Mordechai Hoffmann

Do you think they will ever bring back the 150k offer for the business card?

Ten Bucks a Week

In the Quest card those 5000 mile rebates come in the form of a certificate that expires in a year. I just downgraded because of this

Mordechai Nir

Can you open a new card for every buisness you own? Also, if it’s true, why can’t someone just open 10 buisness cards?

Burt

Who said they can’t…

Mordechai Nir

I thought only one social security per account. Do you know if it’s okay to open up buisness cards for every buisness?

Chaim

Does the quest card bypass 5/25

Alfontso

Can you use the $125 rebate on the Quest card to purchase miles and get the rebate? Can’t find an answer to that anywhere and United hasn’t answered my direct question.

Perks

Is “Pay yourself back for the annual fee” a temporary perk ?

Dee

This might sound noob, how do I book partner availability awards with United miles? I am trying to go through Singapore airlines from LAX to DPS. TIA

Traveller

Is it more worthwhile to book a ticket using one of these cards for the benefits, eg. free bags etc. or one of the Sapphire cards with all the protection they offer?

yoko

I currently have the United Quest card. Is it worth upgrading to the United Business Club Card to effectively get the United club lounge and priority check in?

Mordy says

Dan I see you updated roadside assistance the limit for the four services is $50 per incident BTW thanks for all the posts

David

I just applied for business explorer card. And they did a hard credit pull. I put down sole proprietor. What did I do wrong? I thought they don’t pull for business card applications?

If I got that is wrong does it pay to apply for others in next 24-48 hours or will that hit score too?

Note I had a credit freeze and they emailed me to unfreeze and I did. And then the pull. Using ssn.

Thanks Dan. Still learning.

Mordy13

Applied for the United Explorer Card using your link and was approved . Looking forward to visiting the brand new United Lounge At Newark Liberty Airport using the 2 free United Club passes the come with this card .

Thank you for providing the most comprehensive credit card posts on the internet . I look forward to reading them !

EG

We opened a business card in my husbands name less than 24 months ago (his SS but with the company EIN). If I opened a new business card with the same company EIN but with my SS number can I get the bonus?

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