Last chance to earn up to 120,000 bonus miles with these United credit card offers

May 3, 2022

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Update: Some offers mentioned below are no longer available. View the current offers here.

Editor’s note: This post has been updated with new information.


If you are planning a dream getaway in the near future, now is a good time to determine your earning strategy and rack up those points and miles, especially with booming demand for summer travel. As usual, one of the easiest ways to amass a large chunk of rewards is through credit card sign-up bonuses.

United loyalists are in luck, because Chase and United are teaming up to offer valuable sign-up bonuses across their lineup of cobranded credit cards.

However, the most lucrative one is set to end tomorrow (May 4, 2022) — so time’s running out if you want in.

Let’s take a look at each offer.

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In This Post

United Club Infinite Card

(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn 120,000 bonus miles after you spend $6,000 on purchases in the first three months from account opening. This offer ends May 4, 2022.

Annual fee: $525.

Earning rate: Earn 4 miles per dollar on United purchases, 2 miles per dollar on all other travel and dining, and 1 mile per dollar on everything else.

Is it worth it?

TPG currently values United miles at 1.21 cents each, making this bonus worth $1,452. However, this bonus is only available through May 4, 2022. As a result, you’ll want to jump on this now before it’s too late.

Read more: 5 trips to take with the United Club Infinite Card

The United Club Infinite Card is made for loyal United flyers who want access to United Club lounges when they travel — along with a few additional benefits that help upgrade the traveling experience.

United Club at LaGuardia Airport. (Photo by Chris Dong/The Points Guy)

Cardholders can enjoy United Club membership, including access for two guests or one adult and dependent children under the age of 21. It also offers the first and second checked bag free for the primary cardholder and one travel companion on United-operated flights (a savings of up to $320 per round trip), a $100 TSA PreCheck/Global Entry application fee credit every four years, Premier Access travel services, expanded award availability and lower average award prices.

New for 2022, United Club Infinite cardholders will enjoy complimentary IHG Rewards Platinum Elite status (worth $880 according to our valuations) and up to a $75 IHG statement credit, valid through Dec. 31.

Related: United Club Infinite Card review


Official application link: United Club Infinite Card


United Quest Card

(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening. (Note that this is a public offer but only available at this link.)

Annual fee: $250.

Earning rate: Earn 3 miles per dollar on United purchases (after your $125 annual United statement credit); 2 miles per dollar on all other travel, dining and select streaming services; and 1 mile per dollar on everything else.

Is it worth it?

The United Quest Card is the newest card of the pack, offering premium perks for a reasonable $250 annual fee. The sign-up bonus alone is worth $1,089, so that can justify paying the annual fee for at least three years of card membership — well before considering the ongoing benefits.

Cardholders will receive up to $125 in statement credits each account anniversary year for United purchases, two 5,000-mile anniversary award flight credits after you redeem your miles for a United flight, first and second checked bags free and up to $100 in TSA PreCheck or Global Entry application credit.

Related: United Quest Card review

The information for the United Quest 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 Explorer Card

(Photo by The Points Guy)

Sign-up bonus: Earn up to 70,000 bonus miles — 60,000 after you spend $3,000 on purchases in the first three months your account is open, plus 10,000 more miles after $6,000 total on purchases in the first six months your account is open.

Annual fee: $95, waived the first year.

Earning rate: Earn 2 miles per dollar on United purchases, hotels (booked directly) and restaurants, and 1 mile per dollar on everything else.

Is it worth it?

TPG values this sign-up bonus at $847, which is pretty good for a card that has a waived annual fee in the first year.

Aside from the sign-up bonus, United Explorer cardholders will get a nice roundup of benefits: free first checked bag, priority boarding, two one-time United Club passes each year, a 25% discount on inflight United purchases (including Wi-Fi, food and beverages), access to additional award space and less expensive award flights.

You can also earn up to 1,000 Premier qualifying points with $24,000 in annual spending on the card (500 points for every $12,000 in annual spending). If achieving United elite status is on your list in 2022, this mid-tier card could help you earn status without charging a steep annual fee.

Related: United Explorer Card review


Official application link: United Explorer Card


United Gateway Card

(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open.

Annual fee: $0.

Earning rate: Earn 2 miles per dollar on United purchases, gas, local transit and commuting, and 1 mile per dollar on everything else.

Is it worth it?

The United Gateway is the entry-level card into the United MileagePlus program, charging no annual fee. However, it can still provide value to beginners. In addition to the solid rewards rate, you’ll get a 25% discount on inflight United purchases and have access to up to $6,000 in trip cancellation and interruption insurance (up to $1,500 per person) if your trip is canceled or cut short by covered reasons like sickness or injury.

If you’re someone who is planning on flying with United multiple times a year, you’ll likely get better value out of the other United card options. But for beginners looking for their first cobranded airline card, the United Gateway is a solid option. The sign-up bonus is modest (clocking in at $242 in value according to TPG’s valuations) but comparable to other no-annual-fee cards.

Related: United Gateway Card review


Official application link: United Gateway Card


United Business Card

(Photo by The Points Guy)

Sign-up bonus: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.

Annual fee: $99, waived the first year.

Earning rate: Earn 2 miles per dollar on United purchases, gas, local transit and commuting, office supply stores and restaurants, and 1 mile per dollar on everything else.

Is it worth it?

The United Business Card offers solid perks to small-business owners, freelancers and those with side gigs. Cardholders receive the first checked bag free, priority boarding, two one-time United Club passes each year, a 25% discount on inflight United purchases and a $100 United travel statement credit after seven eligible United purchases of $100 or more with the United Business Card within an account anniversary year.

TPG values this sign-up bonus at $908, which ranks it third among the best current offers for United cards. However, the waived annual fee for the first year places this offer at the top among United cards with waived or no annual fees. The card’s many benefits help make it valuable enough to offset the $99 annual fee to continue to keep the card after your first year.

Related: United Business Card review


Official application link: United Business Card


Planning ahead with United miles

United is a solid airline to bank miles with if you’re planning a stellar redemption. It’s also a Chase transfer partner, which can help you earn United miles across multiple credit cards. And the airline’s membership in the Star Alliance means you have even more options for redeeming miles across airlines including Lufthansa, Air New Zealand and Singapore Airlines.

While United does have a dynamic award chart that can make it harder to score redemption deals on some awards, the airline does offer some solid benefits for loyal flyers. In the past couple of years, United has improved its award sales, which can provide excellent redemption options sometimes starting at just a few thousand miles per ticket. And United does offer other benefits such as the Excursionist Perk and the fact that United doesn’t impose fuel surcharges on award tickets (which can easily save you hundreds of dollars).

By taking advantage of low-cost domestic award tickets (such as flying from Houston to Orlando for as little as 3,500 miles) and free stopovers with the Excursionist Perk, you can stretch the miles you earn with your credit cards to help you plan your post-pandemic trips.

Or, go big and start saving miles toward a fancy United Polaris business-class award.

Make sure to check out our guide to maximizing the United MileagePlus program.

(Photo by Zach Griff/The Points Guy)

Bottom line

With these United sign-up bonuses up for grabs, you’ll be able to get closer to a future trip — even if travel isn’t yet on your immediate radar. But remember — since these cards are issued by Chase, they will be subject to the issuer’s 5/24 rule. If you have opened five or more accounts in the past 24 months, you may have a hard time being approved for these cards.

But if you’re been eyeing the United Club Infinite Card and it’s 120,000-mile bonus, don’t wait. This offer is only available through May 4, 2022.

Additional reporting by Senitra Horbrook, Stella Shon, Benét J. Wilson and Christina Ly. 

Featured photo by Tayfun Coskun/Anadolu Agency/Getty Images. 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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