New 100K United Miles Welcome Offer Launched! But Is It Worth It?

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Chase United Explorer Business Card Increased Welcome Offer

There is a new offer for the Chase United Explorer Business card that comes with a eye popping 100,000 United miles. Once you get over the sticker shock we need to take a look at the details and see if this is a good offer or if it is fool’s gold.

Details on the Offer

The terms of the offer are as follows:

  • Earn 50,000 United miles after spending $5,000 within the first 3 months.
  • Earn an additional 50,000 miles after spending $25,000 within the first 6 months (this amount includes the initial $5,000 of spend).
  • $95 annual fee is NOT waived

Bonus Restrictions

The Chase United Explorer Business card does fall under the dreaded Chase 5/24 rule.  While it falls under the rule remember that it should not count towards your 5/24 count.  So if you are at 4/24 you can apply for this card and still get another Chase card after.

There is a 24 month restriction as well for this card. You are ineligible for the welcome offer if you have received a welcome offer on this card in the previous 24 months.  Having had or currently carrying a different United card does not disqualify you from receiving this offer though.

Earning Structure

The Chase United Explorer Business card offers the following earning structure:

  • Earn 2 miles for each $1 spent at restaurants, gas stations and office supply stores.
  • Also earn 2 miles for each $1 spent on United Airlines purchases
  • Earn 2 miles per $1 spent on Chase Inside Access purchases
  • Earn 1 mile per $1 on everything else

United Club SFO International – Bar

Cardmember Perks

The Chase United Explorer Business card comes with many perks.  They are as follows:

  • Expanded Award Availability – maybe the best perk of the card is additional award seats released on flights specifically for cardmembers.
  • Free checked bags – for the cardmember and one companion on the same reservation.
  • Priority Boarding – the primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
  • Two United Club one-time passes – which will be deposited into your MileagePlus account after account opening and each year after upon your cardmember anniversary.
  • No foreign transaction fees
  • Premier Upgrades on Award Tickets – The primary cardmember who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available).

My Thoughts

The 100K offer is sure to draw people in but is this offer a great offer?  Is it better than the previous 75,000 mile offer after $5,000 in spend and no annual fee?  I would say no to both.  I would prefer the 75K offer but I don’t know if that one will ever come back.

If you are able to easily spend $25,000 within 6 months then this could be a valuable offer. The 50K offer after $5,000 in spend is the standard offer so you are not missing out on anything on that end.  Having the ability to earn an additional 50,000 miles is always welcomed too.  If you go after the extra 50,000 miles that would be like earning at least 3.5 miles per dollar on all spend, which is pretty good.

I will say I am more willing to explore these tiered welcome offers now that application approvals are harder to come by.  I don’t feel like I am missing out by putting a large amount of spend on a card going after a larger bonus.  Since there are not as many approvals out there that means the opportunity cost is less, if you believe in such things. I have said in the past that this card is one United loyalists should keep in their wallet.

What do you think about this new offer for the Chase United Explorer Business card? Share your thoughts below.



Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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  1. I only keep the United Card because I live in Houston. But I find United Miles to be very hard to redeem at a decent value. I put all of my spend on my Chase Freedom, Ink, and Sapphire cards. United is right; Chase’s own cards are hurting United, but it’s entirely United’s fault for devaluing their miles so much.

  2. 2x at office supply stores. Could be good for someone who has already maxed out on ink 5x at office supply store. Does anyone know any other cards with higher than 2x at office stores?


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