2 Hours Left! Earn 100,000 Miles On The Chase United℠ Business Card

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United℠ Business Card

Limited Time Signup Bonus:

Until 4/3 at 5:59pm ET you can earn a signup bonus of 100,000 miles for opening the Chase United Business Card and spending $5,000 in 3 months.

Also ending today is the United Business Club Card, available after clicking apply now on the link above, with a 75K bonus+1,000 PQPs after spending $5,000 in 3 months.

Annual fee: 

$99.

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 this card’s annual fee!

How to apply, Business card and 5/24 info:

This is a business card, 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.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical 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. You can then send in bills in your own name for verification.

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.

Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy for the past year and the only way to know if you can get approved is by trying to apply.

However, a pattern has developed where Chase often waives 5/24 rules when they launch a new offer like this, so it can be worth trying, even if you are over 5/24. If you try, be sure to leave a comment with the results!

Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card. You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shown as being open in the past 24 months.

It’s important to note that 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 these cards won’t “hurt” your 5/24 count.

Another benefit of the card 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.

While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink cards are business cards, those balances won’t hurt your credit score! That makes the 0% APR on purchases for 12 months on a business card a very strong offer.

Card earnings: 

2 miles per dollar on United, restaurants, gas stations, office supply stores, local transit, taxis, tolls, mass transit, and ride share services.

1 mile per dollar elsewhere.

While United miles are not as valuable as they used to be, they never expire, there are never fuel surcharges, and there are some 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 and get back all of your miles and taxes. 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 or to booking awards with partner airlines that don’t have free cancellations.

Card anniversary bonus: 

• 5,000 bonus miles every card anniversary if you have this United business card and any United consumer card, such as the United Gateway℠ Card, United℠ Explorer Card, United Quest℠ Card, or the United Club℠ Infinite Card.
• $100 annual statement credit if you make 7 United purchases of $100 or more on the card.

Card benefits: 

• A free checked bag worldwide for the cardholder and a companion, even on basic economy fares.
  • While you normally have to use your card to pay for the flight to get the free bags, that requirement is waived for the first 90 days of cardmembership!
• Expanded saver award space availability.
• 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!
• Earn 25 PQPs for every $500 spent, up to a maximum of 1,000 PQPs for $20,000 spending. PQPs from multiple cards stack together with no limits!
• 1 year free DoorDash membership.
• No foreign exchange fees.
• Exclusive cardmember access to auctions that allow you to use your miles for once-in-a-lifetime experiences. A few years ago I used 25K miles for 4 field box seats to an Indians game along with the right to run onto the field before the top of the 7th inning and swipe 2nd base right off the field. Nobody could believe it as I walked around the ballpark with 2nd base. I even got it signed after the game by the Indians wining pitcher that night, who was equally shocked that I actually had 2nd base.
• United miles never expire, even if you close your card.
• Trip Cancellation / Trip Interruption Insurance
• Extended Warranty Protection
• Purchase Protection

Comparison chart

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 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’ll need to spend $5,000 on this card within 3 months.

You can pay your federal taxes for a 1.82% fee.

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.

Card convertibility

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

• United Gateway℠ Card (No annual fee)
• United℠ Explorer Card ($99 annual fee)
• United Quest℠ Card ($250 annual fee)
• United Club℠ Infinite Card ($525 annual fee)

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

• Chase United Business Card ($99 annual fee)
• Chase United Business Club Card ($450 annual fee)

Pay yourself back for the annual fee

You can redeem United miles to pay yourself back for the annual fee at a rate of 1.5-1.75 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.

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. Chase Sapphire Reserve® or Chase Sapphire Preferred® Card orInk Business Preferred® Credit Card for mileage transfers and bonus value on points.
2. A no-fee Chase Freedom Unlimited® or Ink Business Unlimited® Credit Card 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 Business Cash® Credit Card for 5 points per dollar on wireless and office supply stores.
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 United Club℠ Infinite 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 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).

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 Tahiti, Ski destinations, Hawaii, Mexico, The Caribbean, and more.

Here Is United’s Hidden Award Chart

United no longer publishes a saver award chart, but I have compiled those rates in the chart below:

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 50,000 miles round-trip thanks to the free excursionist perk:

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

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

Will you signup for this offer? Which United cards do you have?