United℠ Card Review (Update 2026.1: 80k Offer)

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2026.1 Update: New welcome offer is 80k. Offer ends on 2026.5.20.

2025.6 Update: Welcome offer now reduced to 70k.

2025.4 Update: There is a new link with a better 90k offer: in addition to the 80k offer with a $3k spend requirement, earn 5k more miles if you add an approved user in the first 3 months, and earn 5k more miles if you are approved using your United agent’s promo code. That’s a total of 90k miles. A “United agent promo code” should be obtained if you fly United and ask an employee, and I’m not sure you can just make one up. Offer ends Jun 4. HT: DoC.

Application link

Benefits

1. 80k offer: earn 70,000 United miles after spending $3,000 in 3 months. Earn 10k more miles if you add an authorized user in the first 3 months. That’s a total of 80k miles. Best recent offer is 90k.
2. We value UA miles at 1.5 cents (Price of Airline Miles). So a top 90k welcome offer would be worth $1,350! Look A Beginner’s Guide to UA Miles to check information about UA Miles.
3. Earn 2x UA miles on United, restaurants and hotels. Earn 1x UA mile per dollar spent on every other purchase.
4. [New] There are various coupons on this card now, see the next section below.
5. Get 2 one-time United Club passes every year.
6. Free first bag loading on United flights when you purchase tickets (or pay taxes and fees for award tickets) with this card.
7. Group 2 boarding on United flights when you purchase tickets (or pay taxes and fees for award tickets) with this card.
8. Earn 25% on flight purchases.
9. Get 25% bonus miles on MileagePlus X purchases.
10. Additional award availability (XN cabin) with this card.
11. Up to $100 Global Entry or TSA Pre✓® Fee Credit.
12. With this card, you can redeem your UA miles for an annual fee at a fixed rate of 1.52 cents/point.
13. Car rental insurance.
14. [New] Earn $100 in United TravelBank cash after spending $10,000 in purchases each calendar year.
15. [New] Earn 10,000 airline miles after spending $20,000 in purchases each calendar year.
16. There is no foreign currency.
17. Refer a friend: You can earn 5,000 bonus UA miles for every approved account you refer, up to 10 approved transfers (50,000 UA miles) per calendar year.

Coupons vary

1. $100 United Hotels credit: Get $50 back as a statement credit on both your first and second prepaid hotel stays purchased directly through United Hotels with this card, up to $100 each year.
2. $50 Avis/Budget Credit: Earn $25 in United TravelBank cash, up to $50 each 50th anniversary year, on your first and second Avis or Budget car booked directly through cars.united.com and paid for with this card.
3. $60 rideshare credit: Sign up to get up to $5 back as a statement credit each month on rideshare purchases when you pay with this card, up to $60 each calendar year. Annual entry is required.
4. $120 Instacart credit: Earn $10 monthly Instacart credit, up to a total of $120 each calendar year, for purchases made directly through Instacart with this card. Terms apply. Offers end 12/31/27.
5. $100 JSX credit: Get up to $100 back in statement credit each year when you book flights directly through JSX using this card. JSX is a hop-on jet service that offers a private flying experience at commercial rates.

Evil

1. $150 annual fee, waived the first year.

Recommended Application Period

1. [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not approve your application for this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not just Chase accounts. See this post for details on how to bypass this rule.
2. 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 received the signup bonus, not the time you opened or closed the account.
3. Do not apply for more than 2 credit cards within 30 days, or you are more likely to be declined.
4. We recommend that you apply for this card after you have had a credit history of more than a year.

Summary

The sign-up bonus on this card is usually very good, so it’s worth it. However, this card is now a coupon book. If you hate spending time on this kind of thing, you might consider downgrading it to the Chase United Gateway card that can be charged after one year.

Related Credit Cards

Recommended Download Options

After applying

• Call 800-436-7927 to check the status of your Chase application. This is an automated phone line, and the information has the following meanings: Getting a decision within 2 weeks means your application is likely to be approved; Getting a decision in 7-10 days means your application has probably been rejected; Getting a decision within 30 days means that your application needs further review and there is nothing to tell you yet.
• Find the back door number for Rethink: 888-270-2127 or 888-609-7805. Call it if you are not approved right away. Your personal information will be received and they will update it. You don’t usually answer questions, instead, you enjoy the music and it is approved or rejected, or more information is needed to be delivered to the branch or sent by fax.

Historical Supply Chart

Note: Sometimes there are offers like 40k+25k on this card, but the spending requirement for the latter part is huge. Therefore, we do not treat them as a sign-up bonus; rather, we treat them as a bonus to spend.

Application link

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