If you’re new to earning United miles with credit cards, you can build up your United MileagePlus® account balance quickly with bonus mile offers.
If you get approved for multiple credit cards you may earn 70,000+ miles.
It starts with applying for both the United MileagePlus® Explorer Card and Chase Sapphire Preferred® Card. The Sapphire is special because it earns points you can transfer into your United account at any time (see how it works).
So getting both lets you more than double up on intro bonus miles for your MileagePlus account.
But first, here’s some background…
It’s OK to apply for multiple credit cards to get the bonus mile offers. Just note you can only get one bonus offer per individual card with Chase, the exclusive provider of credit cards that earn United miles (i.e. only one United Explorer bonus).
There are no explicit limits on the number of cards you can hold, but you may sometimes be asked to reduce the credit line on one card to support a new one.
At MileCards.com we think the Chase Sapphire Preferred® Card is among the best credit cards for everyday spending to earn United miles.
A lot of people don’t know it, but the Chase Sapphire Preferred® Card earns points you can transfer 1:1 into United miles (see how).
You can also transfer your points into Southwest Rapid Rewards and over 10 other airline and hotel programs. No other personal card that earns United miles has more flexibility, so keep this at the front of your wallet.
It offers 2x points on all travel and dining purchases, including things like taxis and parking — something no United credit card currently being marketed does.
Here’s our strategy for racking up United miles quickly…..
1. Get the Chase Sapphire Preferred® Card: 40,000 points. Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $500 in travel when you redeem through Chase Ultimate Rewards®.
In addition to being able to transfer 1:1 into your United account with no fees for the transfer, it earns 2x points on all dining and travel purchases.
You can apply right away too, just make sure you’ll be able to handle the minimum spending required to earn the bonus.
2. Apply for the United Mileage Plus Explorer Card: 30,000 miles. Start with 30,000 bonus miles when you spend $1,000 in purchases in the first 3 months the account is open. And get 5,000 more miles if you add an authorized user to your card with in the first 3 months.
There may also be a targeted 50,000 mile offer, and you can check your eligibility here.
That could be 70,000 or more United miles over a few months. Both cards waive their annual fees the first year.
The Sapphire Preferred® Card can be the better one all around for earning via spending — the 2x bonus on dining/travel is strong and the points can be used on airlines besides United.
But if you’re not an elite flyer, you’ll probably want to keep the United Explorer for the free checked bag and priority boarding it offers. 2 flights a year with a checked bag more than pay for the annual fee.
To double your rewards, consider having your spouse apply for the credit cards as well if he/she does a fair amount of independent spending.
For aggressive bonus mile seekers who have small businesses, you can also earn more United credit card miles with these offers…
This is a credit card designed for small business owners and like the Sapphire Preferred® Card earns Chase Ultimate Rewards points you can transfer to United. You don’t need a long running business to qualify for the card and some businesses even get one before having the business up and running to put start up expenses in one place.
Your personal credit history is what is used to determine eligibility for the card, so this is an option to earn more miles after finishing the above. See the MileCards.com guide to applying for business credit cards here – ‘Business Credit Cards for One.’
2. Apply for a United MileagePlus® Explorer Business Card: 50,000 miles – limited time (link here)
The rule on ‘one bonus per credit card’ doesn’t apply to having a bonus from both the consumer and business version of the cards. So, if you are a business owner you can apply for the business version of the United Explorer even if you have the consumer card.
So, you have the potential to earn 150,000+ United miles over the course of a year if you apply for all of the credit cards — the Chase Sapphire Preferred® Card, United MileagePlus® Explorer Card, the Ink Plus®, and the United MileagePlus® Explorer Business Card.
And you’ll end up with cards you’ll want to keep. The Chase Sapphire Preferred® Card should be ‘go to’ for a lot of spending, and the United Explorer’s bag fee savings are likely to add up.
Also note if you have an older United credit card like the United Select Visa, you can retain that card and its features — they won’t cancel that account if you apply online for a new United card and take advantage of the bonus.
What about your credit score?
Your credit score generally drops about 5 points with a new card application, a very small amount, but often recovers that and more within a year as you’re showing you are responsibly handling additional credit.
When it comes to approvals for credit cards there aren’t a lot of benefits to keeping your score much above about 720, so if your score is well above that there’s no award for having a perfect 800+ score.
You should feel comfortable applying unless you plan to take out a mortgage or large loan shortly, and even then small credit inquiries are the one of the last things lenders consider.
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