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2025.7 Update: The new offer is 110k: in addition to the 100k offer with $5k spending requirement, earn 10k more miles when you add an authorized user in the first 3 months. That’s 110k miles in total. Offer ends on Nov 5.
2025.6 Update: The welcome offer is now lowered to 85k.
2025.4 Update: There’s a new link with better offer 135k: in addition to the 125k offer with $5k spending requirement, earn 5k more miles when you add an authorized user in the first 3 months, and earn 5k more miles upon approval when you use your United agent‘s promotional code. That’s 135k miles in total. “United agent‘s promotional code” should be obtained when you fly United and ask an employee, and I am not sure whether you can just make one up. Offer ends on Jun 4. HT: DoC.
Application Link
Benefits
110k offer: earn 100,000 United miles after spending $5,000 in 3 months, earn 10k more miles when you add an authorized user in the first 3 months. That’s 110k miles in total. The recent best offer is 135k.We value UA miles at 1.5 cents (Airline Miles Value). So the 135k highest welcome offer is worth about $2,025! See A Beginner’s Guide to UA Miles to check for details about UA Miles.Earn 2x UA miles on United, restaurants, gas stations, office supply stores, and local transit and commuting. Earn 1x UA mile per dollar spent on all other purchases.[New] There are varies coupons on this card now, see next section below.Get 5,000 bonus miles each card anniversary when you have both the this card and a personal United credit card.Get 2 United Club one-time passes each year.First checked bag free on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card..Group 2 boarding on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card.[New] $125 United travel credit: Receive $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year. This benefit replaced the previous $100 annual United travel credit after 7 United flight purchases over $100.Earn 25% back on in flight purchases.Get 25% bonus miles on MileagePlus X purchases.More award availability (XN cabin) with this card.With this card, you can redeem your UA miles towards annual fee at a fixed ratio 1.52 cents/point.No foreign transaction fee.
Varies Coupons
$100 United Hotels credit: Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with this card, up to $100 each anniversary year.$50 Avis/Budget credit: Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with this card.$100 rideshare credit: Enroll to receive up to $8 back as a statement credit each month from January through November and up to $12 back for the month of December.. Yearly opt-in is required.$120 Instacart credit: Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with this card. Terms apply. Benefits end 12/31/27.$100 JSX credit: Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using this card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares.Up to $25 back on United FareLock.
Disadvantage
[New] Annual fee $150, waived for the first year.
Recommended Application Time
[5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you opened or closed the account.Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.We recommend you to apply for this card after you have a credit history for more than a year.
Summary
This card is almost identical to the personal version Chase UA Explorer card. It is a different product, therefore you can apply for both and get both sign-up bonuses. The sign-up bonus is very decent, so it’s worth applying.
Related Credit Cards
Chase UA GatewayChase UA ExplorerChase UA BusinessChase UA QuestChase UA ClubChase UA Club BusinessAnnual Fee0$150$150$350$695$695Various Credits-$100 United Hotels credit; $50 Avis/Budget credit; etc.$100 United Hotels credit; $50 Avis/Budget credit; etc.$200 United TravelBank cash; 10,000-mile award flight discount; $150 Renowned Hotels and Resorts credit; $80 Avis/Budget credit; etc.$200 Renowned Hotels and Resorts credit; $100 Avis/Budget credit; etc.$200 Renowned Hotels and Resorts credit; $100 Avis/Budget credit; etc.Sign-up Bonus30k80k with first year AF waived125k with first year AF waived90k95k125k
After Applying
Call 800-453-9719 to check Chase business cards application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. It’s pretty hard to recon Chase business cards. Be prepared to be asked about a lot of details of how your business operates.
