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United credit cards: all six welcome offers are worth applying for now
Two offers are the highest TPG has seen, but Chase's rules and an authorized user requirement can change what you actually earn.
Why now is the time to look
All six United credit cards currently have elevated welcome offers that meet TPG's threshold for when to apply, which matters to anyone weighing a United card. [1] Two of those offers, on the entry-level and mid-tier personal cards, are the highest TPG has seen. [1]
This piece covers what each offer includes and what to check before you apply.
The offers card by card
The United Gateway Card welcome offer is 40,000 bonus miles after spending $1,000 in the first three months from account opening, with a $0 annual fee. [1] The United Explorer Card has a $0 introductory annual fee in the first year and $150 each year thereafter. [1]
After an overhaul of United credit cards earlier in the year, The New United Quest Card is offering its best-ever welcome bonus. [2] The card offers up to 8X miles on United purchases and includes $200 in United TravelBank cash that can be used to book United or United Express flights. [2]
The Quest Card also helps with status. You can earn up to 18,000 PQPs per calendar year through spending, at 1 PQP per $20 spent. [2] For comparison, Premier Silver status requires 5,000 PQP and Premier 1K requires 28,000 PQP. [2]
TPG values the United Club Card welcome bonus at up to $1,200, including miles from adding an authorized user. [1] The card has a $695 annual fee and includes complimentary IHG One Rewards Platinum Elite status. [1]
What the miles buy
United miles can be redeemed for award flights on United and Star Alliance partners with no fuel surcharges. [1] The exact value of United MileagePlus miles may vary because United uses dynamic pricing on reward flights. [2]
What it means for you
Chase issues United's cobranded cards, so Chase's application rules apply. [1] Eligibility for these offers may be affected by recent account openings due to the 5/24 rule, so check your recent openings before you apply. [1]
Some United card bonuses require adding an authorized user to reach the maximum advertised value. [1] That applies to the United Club Card figure of up to $1,200, which includes miles from adding an authorized user. [1]
Sources
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