70,000+ United bonus miles with credit card strategy

by on Fri August 1, 2014 • 41 Comments
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United Airlines credit cardsIf 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 (or for a limited time, 90,000+).

It starts with applying for both the United MileagePlus® Explorer Card and Chase Sapphire Preferred® Card.

But first, here’s some background…

You can 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 in your history).

There are no explicit limits on the number of cards you can hold with them, 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. 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.

‘Ultimate Rewards’ points  instantly transfer 1:1 (see how) into your United MileagePlus® account at any time with no fee. You can also transfer your points into Southwest Rapid Rewards and 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.

Here’s our strategy for racking up United miles quickly…..

Apply for the United Mileage Plus Explorer Card:  50-55,000 miles.  Limited time offer through September 2, 2014. Start with 50,000 bonus miles when you spend $2,000 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.

Get the Chase Sapphire Preferred® Card: 40,000 points. The sign on bonus here is 40,000 points after spending $3,000 in the first 3 months. 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 get the $3,000 in spending within 3 months to earn the bonus. And you can get an extra 5,000 points – for a total of 45,000 if you add an authorized user to your card.

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That could be 90,000 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…

  1. Apply for the Ink Plus® Business Card from Chase: 50,000 points (link here)  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. Consider that many small business owners are not incorporated and have little/no revenue . Some even do it before having the business up and running to place 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 (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, you can apply for the business version of the United Explorer even if you have the consumer card.
  3. Apply for an Ink Bold® Business Card from Chase: 50,000 points (link here)  It has the same features and intro offer as the Ink Plus, but instead of being a credit card it’s a charge card you have to pay the balance in full each month. People have had luck getting both the Ink Bold and Ink Plus from Chase by saying they prefer a charge card for some expenses, and the flexibility of a credit card (the Ink Plus) for others.

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 Bold® Business Card, Ink Plus®, and the United MileagePlus® Explorer Business Card, and transfer them into your United MileagePlus® account.

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 and borrowing 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 last thing lenders consider.

 

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41 thoughts on 70,000+ United bonus miles with credit card strategy

  1. Reggieblue

    I have had the Explorer card issued for more than 24 months, and received the bonus (maybe 30k 2-3 years ago) upon receiving the card. The terms of the current 50k offer say those who would be ineligible include “previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.” I received my bonus previous to 24 months ago, so I was thinking I could cancel my Explorer card and reapply for the 50k bonus for a new card. But in your article I you write “You can 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 in your history).” I read “history” to mean my entire history with Chase, not just the last 24 months. Can you clarify your understanding of Chase’s current 50k bonus offer? Thank you.

    Reply
    1. MileCards.com

      @Reggieblue – The intent of the deal is not to give the bonus to people who currently have the card. Canceling and then very quickly re-applying isn’t the spirit of the deal.

      Reply
      1. Reggieblue

        Thanks for your response.
        Just to give more context…both my wife and I have the Explorer card. It doesn’t make sense to me that we both pay the $95 annual fee, for what is essentially redundant benefits (we can already check 2 bags free on one card, and we can book United tickets and get double miles on one card for either or both travelers), so I thought I would cancel my card before the annual fee gets charged again. Then, while flying United, I saw the 50k offer, and figured I would give reapplication a try.
        I will cancel this week and reapply before the 9/2 deadline.
        I’ll let you know how it goes.

        Reply
  2. Dazed

    I used to have the Chase united explorer visa card and got the bonus and cancelled about a year ago. If Ire-apply, will I get a bonus again? Or is it once a lifetime?

    Reply
    1. MileCards.com

      @Dazed – Officially no, though with banks you are a ‘new’ customer after a certain period of time. Probably longer than a year though.

      Reply
  3. Loraine Green

    Will bonus miles offered and qualified for on a new card, where first year fee is waived, be lost if card is cancelled before first card fee is due?

    Reply
  4. William Charles

    You can get a 50k united offer by applying at any Chase branch, if you signed up for a lesser offer then sending them a secured message to match it will work.

    Reply
  5. Marty

    We’re new at this. Last year we applied for and rec’d Explorer cards for myself and spouse. We spent $1,000 ea within the first 3 months and we showed 30,000 United Miles on each statement. Our latest statement does not show any mileage. We do not fly often, but were encouraged by a friend to get these cards. I had health issues and we have not flown anywhere as yet, Will we lose our miles if we cancel our accounts?

    Reply
    1. MileCards

      @Marty- Your credit card statement usually only shows the miles you earned in that specific month. If you want to see the total miles in your account you should go to United.com to take a look.

      If forgot your password for that you can take care of it here:

      https://www.united.com/web/en-US/apps/account/settings/pin/pinResolution2.aspx

      Your miles are safe even if you cancel the card. Just beware that if you don’t earn or use any miles for 18 months, they will expire.

      But if at any time you earn or use miles (via a credit card, online shopping, or whatever…not just flying) the clock on the 18 months will reset and you’ll extend the life of your miles another 18 months.

      Reply
      1. Marty

        So earning and using miles (via credit card, online shopping…etc) extends the life of miles. Didn’t use the card much after qualifying for the miles, so we’d probably need to use it again soon. Thanks.

        Reply
        1. MileCards

          @Marty – That’s right. Every time you earn or use you extend the life of your miles by another 18 months.

          Reply
          1. Alex

            After received explorer card bonus, if I cancel card and use an old basic no-fee mileageplus card to earn some miles once a year, will the entire mileageplus account be protected against expiration?

          2. MileCards

            @Alex – Yes, miles earned or spent in any way will reset the clock for another 18 months each time.

  6. Drew

    I have had a United FF account for many years. I originally opened it when I got a United Mileage Plus Awards Card about 10 years ago. If I close this card and open another one, can I get another 30,000 mile bonus to my current FF account?

    If not, do you think I could merge my current account with a new one I could open to receive the bonus later?

    Reply
    1. MileCards

      @Drew – You should be able to get it without closing the card, as the Explorer Card is considered a separate product from the Awards card. Also you may want to stop by a Chase branch and see if a 50,000 mile offer is available. Or, try reading the link below for a way to check if you are targeted for the bigger 50,000 mile offer:

      http://www.flyertalk.com/forum/credit-card-programs/1330475-ua-mileageplus-explorer-card-up-60k-miles-now-65k-50-statement-credit.html

      Reply
  7. Laurie

    Dumb question maybe – do I have to have a United FF# and then when I open each card the bonus points go into my FF account? I am looking to book a ticket to the Dominican in March and the ticket is 70,000 points. If I open both the Chase Sapphire and United Miles Plus then can I combine the 40,000 and 30,000 for the 70,000?

    Reply
    1. MileCards

      @Laurie – Yes exactly – if you get the Sapphire Preferred you can send those points into your United MileagePlus account to combine.

      Reply
  8. jenny

    what if I want to earn double or triple miles with Chase Sapphire card-but I like to use my travel agent to buy my tkts from, and he/she must issue those tkts?
    The info on the Sapphire preferred card is not clear as to whether I MUST buy my tkts from the Sapphire online booking site to earn the extra miles on each airline tkt purchase. Nor is it clear as to whether I get 2 miles per $, or 3 miles per $ spent on airline ttks?
    If I have my travel agent book and issue my air tkts., do I only earn 1 miles per $ spent?

    Reply
  9. Jerry

    Just so you know I was able to get the 30,000 mile United Explorer offer increased to 50,000 miles. Just sent a secure message and told Chase I saw the 50,000 mile offer in a Chase branch after applying online for the 30,000 mile offer.

    Reply
  10. Betsy

    We will be traveling to China in the next 12-18 months to adopt a child and will likely fly on Air China b/c of direct flights to Beijing out of our home airport. Do you know if these credit card points are useable with United affiliates like Air China?

    We would put all our regular monthly spending on the card and pay it off each month. Both my husband and I have good credit but I have no monthly income (stay at home mom). Which card/strategy do you recommend?

    Reply
    1. MileCards

      @Betsy – Yes, United miles can be used on Air China flights. Just do an award search for PEK to your preferred airport and you will see Air China flights as part of the results on United.com.

      Sounds like getting the Sapphire Preferred and Explorer for your husband is a good start.

      Reply
  11. Rookie

    What does one say in the secure message to Chase in order to get them to bump your miles up to 50K? I’m trying to maximize my chances of success.

    Reply
  12. gogogirl

    In addition to the prior post…I just read about the Starwood card and think I should apply for that one also and get rid of my all the cards in my wallet. Help me determine the timeline. Is it just meet the spending requirement?

    My husband and I have credit score over 800, pay our balance monthly, and travel frequently for personal and business using hotels and airlines. I have several cards that I can cancel immediately(AmericanExp Costco, Frontier Mastercard, Southwest Chase Visa, Discover,plus the 2 United Plus card) so I can benefit from these other ones, Wish I would have done my homework prior!

    Reply
    1. MileCards

      @gogogirl- Really the primary reason to wait between applications is just to make sure you’ll have enough spending to hit the spending requirement for each bonus.

      There is a chance that a lot of applications in a short period of time could flag some banks, and some people get denied for having too many credit inquiries in a short period. As with everything in life, balance works well.

      You should be fine applying for the business credit cards after the Sapphire, as the Sapphire is a consumer card with a different approval process.

      As for the Starwood card – if you like hotel rewards at Starwood hotels, then yes it’s a great one to use as your primary card for spending, and leave the others for the bonuses and fee waivers.

      Reply
  13. gogogirl

    I wold like to take advantage of these mileage offers on the 4 cards. So far I received the United Explorer card in October and after sending a secure message I was offered up to 65,000 miles(even after asking for 50000 offer)!

    I am not clear when the soonest I can apply for each card. I will apply for the Sapphire next, right? You said to wait a month. Is that from my first purchase date or application date? I applied October 3rd but purchase was done on the 8th. I am anxious to do it asap.

    Then what is the timeline for applying for the Ink Bold from Chase and United Explorer business card? Can i do either of these as well as the Sapphire application?

    We currently have United Mileage Plus cards for personal and Business. I would like to cancel both of these before I have to pay the business cards annual fee November 26th.

    Thank you for all of your help with this! I am trying to accrue some mileage to send our family to on vacation. The sooner the better. lol.

    Reply
  14. Bruce

    I have a Continental/Presidential Plus card. Are the Premium Seats available to me if I do not have Elite Status?

    Thank you

    Reply
    1. MileCards

      @Bruce- Unfortunately no, the premium seats are only available for purchase if you don’t have elite status, even with the Presidential Plus card.

      Reply
  15. Rusty

    When I inquired recently you advised I get the Sapphire Preferred first as I expressed interest in both cards. Do you maintain I stick to that order of attack? (I am eligible for the higher offer from United per following your hyperlink btw.)

    Additionally, what are the most efficient ways to attain the $25,000 spending requirement? If I follow your suggested schedule I will have between the end of February and December to do this (if I remember correctly I’d read that the “year” really just means through the first calendar-year-end of ownership. Hope I’m wrong!).

    Reply
    1. jcamarena

      You said, “…using Amazon Payments to send family up to $1,000 per month, which can be resent back to you…”

      Do you mean that we can get up to 1,000 points per dollar on Amazon payments, and the family member can immediately return the money to your account using Amazon payments, but we still get the points?

      Am I clear on this?

      Reply
  16. tgienger

    Interesting post. I picked up the Cont OnePass card back in August when they emailed me it for 50K, then just recently applied & approved for the SapphirePref card for another 50K. I have a legitimate (according to IRS) small business (really more of a hobby), so I think I’ll try to add the Ink Bold card sometime in 1st Q of 2012 for another 50K. Getting 150,000 in points for just 3 cards seems pretty amazing to me!

    My wife still has the old United Select Visa, which seems to have better 2X and 3X earnings than any of the current cards, even the Sapphire Preferred. Do we need to do anything to keep this card? I’d hate for it to be converted to lesser earnings….

    Thanks

    Reply
    1. MileCards

      @tgienger – Good work. You don’t need to do anything to keep that United Select Visa — just don’t let your wife apply for an Explorer card. They are grandfathering the old Select for any existing cardholders.

      But if you really want to rack up points, consider having your wife apply for the Sapphire Preferred as well. You can combine Sapphire points across accounts, or just deposit them in a common Mileage Plus account.

      Also, we heard Chase may be changing the offer on the Ink Bold next week; hopefully it’s not reduced, but stay tuned.

      Reply

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