February25 , 2026

    The best time to apply for Chase’s United cards – The Points Guy

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    Chase has an impressive roster of six United Airlines cards, each with its own set of perks and benefits to justify a place in your wallet. Like most travel rewards cards, each United card offers its own welcome bonus to freshly approved cardholders.

    These welcome bonuses are the best way to reap a yield of many United miles at once. That’s why it’s very important to make sure you apply at the right time.

    In this guide, we’ll walk you through each United card’s offer history and when to apply. (Keep in mind that offers can change at any time, and some of the offers on this page may no longer be available.)

    Note that we’ll only discuss publicly available welcome offers here. However, you might receive targeted offers with more bonus miles.

    Best United welcome offers

    Card Best welcome offer we’ve seen When to apply

    Earn 30,000 bonus miles after spending $1,000 on purchases in the first three months from account opening.

    When the welcome offer is 30,000 miles or more.

    Earn 80,000 bonus miles after spending $3,000 on purchases within three months from account opening.

    When the offer is 60,000 miles or more.

    Earn 100,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening.

    When the offer is 80,000 miles or more plus PQPs

    Earn 100,000 bonus miles after spending $5,000 on purchases in three months from account opening.

    When the offer is 90,000 miles or more; bonus PQPs sweeten the deal

    Earn up to 150,000 bonus miles: Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening. Earn an extra 75,000 bonus miles after spending a total of $20,000 on purchases within six months from account opening.

    When the offer is 100,000 miles or more; bonus PQPs sweeten the deal

    Earn 125,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    When the offer is 90,000 miles or more; bonus PQPs sweeten the deal

    The information for the United Club Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

    United Gateway card

    For anyone looking to dip their toes into airline cards, the no-annual-fee United Gateway may be a good option.

    THE POINTS GUY

    Welcome offer history

    Here are the recent welcome offers on the United Gateway card.

    Approximate date Welcome offer Value*

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    November 2024 to January 2025

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    November 2023 to March 2024

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    November 2022 to January 2023

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $450

    November 2021 to June 2022

    Earn 20,000 miles after spending $1,000 on purchases in the first three months from account opening.

    $300

    *Bonus offer value is based on TPG’s February 2026 valuations and is not provided by the credit card issuer.

    Highest welcome offer

    This card’s highest-ever welcome offer has been 30,000 bonus miles after spending $1,000 in the first three months of account opening.

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    When to apply

    We recommend applying whenever this card’s welcome offer is 30,000 miles or more.


    Learn more: United Gateway Card


    United Explorer card

    Although the United Explorer has an annual fee of $150 ($0 for the first year), it offers great benefits for semifrequent United flyers, like two United Club passes and a free checked bag when you pay for your flight with your card.

    United Explorer card art
    THE POINTS GUY

    Welcome offer history

    Here are the recent offers we’ve seen on the United Explorer.

    Approximate date Offer Value*

    Earn 70,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $1,050

    Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $900

    Earn 80,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $1,200

    November 2024 to March 2025

    Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $900

    Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $750

    Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $900

    Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months of account opening.

    $750

    November 2023 to March 2024

    Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $900

    Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $750

    Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $900

    December 2022 to June 2023

    Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $750

    November to December 2022

    Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $900

    Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

    $750

    Earn up to 70,000 bonus miles: Get 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening, plus receive 10,000 more miles after $6,000 total in purchases in the first six months from account opening.

    Up to $1,050

    September 2021 to February 2022

    Earn 40,000 bonus miles after spending $2,000 on purchases in the first three months from account opening.

    $600

    *Bonus offer value is based on TPG’s valuations and is not provided by the credit card issuer.

    Highest welcome offer

    This card’s highest-ever offer has been 80,000 bonus miles after spending $3,000 on purchases within three months from account opening.

    When to apply

    We recommend waiting to apply until this card offers a welcome bonus of 60,000 miles or more.


    Learn more: United Explorer Card


    United Quest Card

    If you fly United frequently but don’t want to commit to a premium card, the United Quest may be for you. While it has a high annual fee of $350, it offers numerous statement credits and United-specific perks to make up for that.

    Hands holding credit cards
    THE POINTS GUY

    Welcome offer history

    Here are the recent offers we’ve seen on the United Quest card.

    Approximate date Offer Value*

    Earn 80,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,200 (not including the value of 3,000 PSPs)

    August 2025 to January 2026

    Earn 70,000 bonus miles and 1,000 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,050 (not including the value of 1,000 PQPs)

    Earn 100,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,500 (not including the value of 500 PQPs)

    Earn 90,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,350 (not including the value of 500 PQPs)

    November 2024 to March 2025

    Earn 70,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,050 (not including the value of 500 PQPs)

    Earn 60,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $900 (not including the value of 500 PQPs)

    Earn 70,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,050 (not including the value of 500 PQPs)

    Earn 60,000 bonus miles and 500 PQPs after spending $4,000 in the first three months of account opening.

    $900 (not including the value of 500 PQPs)

    November 2023 to March 2024

    Earn 70,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,050 (not including the value of 500 PQPs)

    Earn 60,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $900 (not including the value of 500 PQPs)

    Earn 70,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $1,050 (not including the value of 500 PQPs)

    Earn 60,000 bonus miles and 500 PQPs after spending $4,000 on purchases in the first three months from account opening.

    $900 (not including the value of 500 PQPs)

    November to December 2022

    Earn 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,200

    Earn 70,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

    $1,050

    Earn 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,200

    Earn 70,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

    $1,050

    October 2021 to January 2022

    Earn 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,200

    *Bonus offer value is based on TPG’s valuations and is not provided by the credit card issuer.

    Highest welcome offer

    This card’s highest-ever bonus was when this card offered 100,000 miles and 3,000 PQPs after spending $5,000 on purchases in the first three months from account opening.

    When to apply

    We recommend waiting until you see an offer of 80,000 miles or more plus PQPs to apply.


    Learn more: United Quest Card


    United Club Card

    As the top consumer United card available, it’s no surprise that the United Club Card comes with a hefty $695 annual fee. In exchange for that, however, it comes with loads of benefits, making it the best choice for United’s biggest fans.

    United Club card picture
    THE POINTS GUY

    Welcome offer history

    Here are the welcome offers we’ve seen on the United Club Card.

    Approximate date Offer Value*

    Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,350

    Earn 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,200

    Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,350

    Earn 95,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,425

    November 2024 to March 2025

    Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,350

    Earn 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,200

    Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,350

    Earn 80,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,200

    November 2023 to January 2024

    Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

    $1,350

    Earn 80,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,200

    Earn 80,000 bonus miles and 1,000 PQPs after spending $5,000 on purchases within three months from account opening.

    $1,200 (not including the value of 1,000 PQPs)

    November 2022 to January 2023

    Earn 100,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,500

    Earn 80,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,200

    Earn 100,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,500

    *Bonus offer value is based on TPG’s valuations and is not provided by the credit card issuer.

    Highest welcome offer

    The United Club Card’s highest-ever welcome offer has been 100,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    When to apply

    Before pulling the trigger on an application, wait for an offer of 90,000 miles or more. If United status is on the table for you, it may make sense to wait for an offer that includes bonus PQPs.


    Learn more: United Club Card


    United Business Card

    If you’re a business owner who flies with United occasionally, the relatively affordable $150-per-year annual fee United Business Card may be the best pick for you.

    Hands holding credit cards
    THE POINTS GUY

    Welcome offer history

    Here are the recent welcome offers we’ve seen on the United Business Card.

    Approximate date Offer Value*

    Earn 100,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months of account opening.

    $1,500 (not including the value of 2,000 PQPs)

    November 2025 to January 2026

    Earn 75,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening.

    $1,125 (not including the value of 2,000 PQPs)

    Earn 100,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months of account opening.

    $1,500 (not including the value of 2,000 PQPs)

    Earn 75,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases within three months from account opening.

    $1,125 (not including the value of 2,000 PQPs)

    Earn 125,000 bonus miles after spending $5,000 within three months from account opening.

    $1,875

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn 100,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,500

    November 2023 to January 2024

    Earn 50,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $750

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn 50,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $750

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn up to 150,000 bonus miles: Get 75,000 bonus miles after spending $5,000 on purchases within three months from account opening. Earn an extra 75,000 bonus miles after spending a total of $20,000 on purchases within six months from account opening.

    Up to $2,250

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn up to 150,000 bonus miles: Get 75,000 bonus miles after spending $5,000 on purchases within three months from account opening. Earn an extra 75,000 bonus miles after spending a total of $20,000 on purchases within six months from account opening.

    Up to $2,250

    *Bonus offer value is based on TPG’s valuations and is not provided by the credit card issuer.

    Highest welcome offer

    This card’s highest-ever offer included up to 150,000 bonus miles: New cardholders could earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening, plus an extra 75,000 bonus miles after spending a total of $20,000 on purchases within six months from account opening.

    When to apply

    Your best bet is to apply when this card’s welcome offer is 100,000 miles or more. Those aiming for United status should wait for an offer that includes bonus PQPs.


    Learn more: United Business Card


    United Club Business Card

    If you’re a United loyalist with a business, you should consider the $695-per-year United Club Business Card.

    Hands holding credit cards
    THE POINTS GUY

    Welcome offer history

    Here are the recent welcome offers we’ve seen on the United Club Business.

    Approximate date Offer Value*

    Earn 100,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months of account opening.

    $1,500 (not including the value of 2,000 PQPs)

    November 2025 to January 2026

    Earn 80,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening.

    $1,200 (not including the value of 2,000 PQPs)

    Earn 100,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months of account opening.

    $1,500 (not including the value of 2,000 PQPs)

    Earn 80,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases within three months from account opening.

    $1,200 (not including the value of 2,000 PQPs)

    Earn 125,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,875

    August 2024 to March 2025

    Earn 50,000 bonus miles and 1,000 PQPs after spending $5,000 on purchases within three months from account opening.

    $750 (not including the value of 1,000 PQPs)

    Earn 75,000 bonus miles and 1,000 PQPs after spending $5,000 on purchases within three months from account opening.

    $1,125 (not including the value of 1,000 PQPs)

    October 2023 to January 2024

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn 50,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $750

    November 2022 to June 2023

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn 100,000 bonus miles after spending $10,000 on purchases within three months from account opening.

    $1,500

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    Earn 100,000 bonus miles after spending $10,000 on purchases within three months from account opening.

    $1,500

    September 2021 to January 2022

    Earn 75,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    $1,125

    *Bonus offer value is based on TPG’s valuations and is not provided by the credit card issuer.

    Highest welcome offer

    When this card had its highest-ever offer, business owners could earn 125,000 bonus miles after spending $5,000 on purchases within three months from account opening.

    When to apply

    We recommend prospective cardholders wait for a welcome offer of 90,000 miles or more before sending in an application. Those looking for a status boost should wait for an offer that includes bonus PQPs.


    Learn more: United Club Business Card


    Bottom line

    Waiting for the right time to apply for a card is important. You want to make sure you can get the best welcome offer available, especially since many cards block you from earning multiple welcome bonuses on them in a certain time frame.

    Chase’s portfolio of United-branded cards offers some fantastic benefits. Whether you fly United once a year or every month, it’s worth exploring these cards to see which one fits your wallet.

    To learn more about credit card bonus offers over time, check out the following:



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