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2025.1 Update: The 100k offer comes back.
2024.6 Update: The new offer is 75k. Card art is changed.
2024.1 Update: The new offer is 100k! This is one of the best offers.
Application Link
Benefits
- 100k offer: get 100,000 United miles after $10,000 spending in 3 months. This is one of the best offer on this card.
- We value UA miles at 1.5 cents (Airline Miles Value). So the 100k highest sign-up bonus is worth about $1,500! See A Beginner’s Guide to UA Miles to check for details about UA Miles.
- Earn 2x UA miles on United, restaurants, gas stations, office supply stores, and local transit and commuting. Earn 1x UA mile per dollar spent on all other purchases.
- [New] Get 5,000 bonus miles each card anniversary when you have both the this card and a personal United credit card.
- Get 2 United Club one-time passes each year.
- First checked bag free on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card..
- Group 2 boarding on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card.
- [New] Earn $100 annual United travel credit after 7 United flight purchases over $100.
- [New] Earn 25% back on in flight purchases.
- Get 25% bonus miles on MileagePlus X purchases.
- More award availability (XN cabin) with this card.
- With this card, you can redeem your UA miles towards annual fee at a fixed ratio 1.52 cents/point.
- No foreign transaction fee.
Disadvantage
- Annual fee $99, waived for the first year.
Recommended Application Time
- [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
- 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 got the sign-up bonus, not the time you opened or closed the account.
- Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
- We recommend you to apply for this card after you have a credit history for more than a year.
Summary
This card is almost identical to the personal version Chase UA Explorer card. It is a different product, therefore you can apply for both and get both sign-up bonuses. The sign-up bonus is very decent, so it’s worth applying.
| Chase UA Gateway | Chase UA Explorer | Chase UA Explorer Business | Chase UA Quest | Chase UA Club | Chase UA Club Business | |
|---|---|---|---|---|---|---|
| Annual Fee | 0 | $95 | $99 | $250 | $525 | $450 |
| Various Credits | – | – | – | $125 annual United purchase credit; Two 5,000-mile anniversary award flight credits | – | – |
| Sign-up Bonus | 20k | 70k with first year AF waived | 75k with first year AF waived | 90k | 120k | 75k |
After Applying
- Call 800-453-9719 to check Chase business cards application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
- Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. It’s pretty hard to recon Chase business cards. Be prepared to be asked about a lot of details of how your business operates.
