Chase Lifts United Card Bonus as Rivals Bid for Travelers

Chase's United Business Card now offers 100K bonus miles, split between 90K after $5K in purchases in the first three months and 10K more for adding an employee card. The same spending also earns 2,000 Premier qualifying points, the currency United uses to hand out elite status, which most personal United cards don't include.

The annual fee is $150, matching the Explorer card after its first year and well below the $695 United Club card, which carries the same 100K-mile headline offer.

The lineup now runs from 50K to 100K miles

View from the Wing and PointsFrog list the no-fee Gateway card at 50K miles after $1K in spending, Explorer at 80K after $3K, and Quest at 90K after $4K with a $350 fee and 500 Premier qualifying points, though Wing and Aisle describes all four personal cards as reaching 100K. Every offer includes the same 10K bonus for adding an authorized user within three months of opening.

The offers have been live since Oct. 1 with no published end date, so terms can change without much warning. NerdWallet values United miles at about 1.2 cents each, which puts the top bonuses near $1.2K before perks.

Why Chase is pushing United cards

United is cutting what non-cardholders earn. For tickets bought on or after April 2, 2026, a general MileagePlus member earns three miles per dollar without a qualifying card and six with one, and cardholders get at least 10% off United and United Express award prices, or 15% with Premier status.

Business cardholders also get a $125 United travel credit once they buy five United flights of $100 or more in a year, plus 5K miles each anniversary if they hold a personal Chase United card too.

Rival issuers are bidding just as hard. The Citi / AAdvantage Executive World Legend card offers 125K miles after $15K in five months, while United leans on ongoing earning, including 9x total miles on eligible United flights for Explorer holders.