Chase raised every United card at the same time: Gateway up to 50,000, Explorer 80,000, Quest 90,000 plus 500 PQP, Club and both business cards 100,000. The last 10,000 on each needs an authorized user or employee card within 3 months. The spend, the fee, the 24-month rule and the cardholder award discount, read from Chase October 7, 2026.
Every offer below was read on creditcards.chase.com on Tuesday, October 7, 2026, from each card's own product page and its offer-details overlay. Chase publishes no end date for any of them.
The short version: Chase has raised the new-cardmember offer on all six United cards at the same time, from 50,000 miles on the no-fee Gateway to 100,000 on the two Club cards. The number Chase prints in big type is an "up to" number on every single card, and the last 10,000 miles of it only arrive after you add an authorized user (or, on the business cards, an employee card) in the first three months. The table has the real split. At our 1.3-cent value for United miles, the headline bonuses are worth $650 to $1,300 before the annual fee.
| Card | Annual fee | Miles after the spend | Spend, first 3 months | Extra 10,000 for | Also included | Chase's headline |
|---|---|---|---|---|---|---|
| United Gateway | $0 | 40,000 | $1,000 | adding an authorized user | "Earn up to 50,000 bonus miles," with 40,000 struck through, badged "OUR BEST OFFER EVER" | |
| United Explorer | $0 the first year, then $150 | 70,000 | $3,000 | adding an authorized user | "Earn up to 80,000 bonus miles," with 60,000 struck through, badged "OUR BEST OFFER RETURNS" | |
| United Quest | $350 | 80,000 | $4,000 | adding an authorized user | 500 Premier qualifying points (PQP) after your first purchase | "Earn up to 90,000 bonus miles + 500 PQP," badged "LIMITED-TIME OFFER" |
| United Club | $695 | 90,000 | $5,000 | adding an authorized user | "Earn up to 100,000 bonus miles," badged "LIMITED-TIME OFFER" | |
| United Business | $150 | 90,000 | $5,000 | adding an employee card | 2,000 PQP with the 90,000 | "Earn up to 100,000 bonus miles + 2,000 PQP" |
| United Club Business | $695 | 90,000 | $5,000 | adding an employee card | 2,000 PQP with the 90,000 | "Earn up to 100,000 bonus miles + 2,000 PQP" |
The struck-through numbers are Chase's own: on the Explorer page the old "up to 60,000" sits crossed out next to the new 80,000, and on the Gateway page "up to 40,000" is crossed out next to 50,000. The Quest and Club pages carry no strikethrough, just the limited-time badge. None of the six pages gives a date the offer ends.
Every card's offer details carry the same clause for the last 10,000 miles:
"10,000 Bonus Miles After You Add An Authorized User In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months."
So the authorized user has to be added inside the same three-month window as the spending, and the 24-month rule that governs the main bonus governs this piece too. Chase charges nothing to add an authorized user on these cards. The business cards say "employee card" instead, with the same three-month window.
The personal cards use one sentence: "This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months." The Club card's version is wider, and worth reading twice if you have held any Club card before: it is "not available to either (i) current cardmembers of any United Club credit card, or (ii) previous cardmembers of any United Club credit card who received a new Cardmember bonus for this credit card within the last 24 months."
Holding a different United card does not, by that wording, block you from a new one. Holding the same card, or having been paid its bonus in the last two years, does.
We value United miles at 1.3 cents each, so the full "up to" bonuses come to:
| Headline bonus | At 1.3 cents a mile |
|---|---|
| 50,000 (Gateway) | $650 |
| 80,000 (Explorer) | $1,040 |
| 90,000 (Quest) | $1,170 |
| 100,000 (Club, Business, Club Business) | $1,300 |
Two United rules make the miles go further in a cardholder's hands than in anyone else's. For tickets issued on or after April 2, 2026, an eligible United card takes at least 10% off any United-operated award booked with miles, and at least 15% if you also hold Premier status. And cardmembers get "increased access to Polaris Saver Award fares," meaning business-class saver seats that other members cannot see. Both come from United's own program pages, and we walked through them in August. A 100,000-mile bonus with 10% off every award is, in effect, a 111,000-mile bonus against the prices everyone else pays.
The PQP on the Quest and the business cards are the other piece. Premier qualifying points are what United counts toward elite status, and the Quest adds 1,000 Card Bonus PQP every year after the first, the Club 1,500. If elite status is the goal rather than the miles, United is also matching Delta and American status through January 2028, with applications due October 15.
The question each table answers is not "which card" but "which spend." $1,000 in three months is a different ask from $5,000, and the fee that follows is a different ask from $0. Match the spend you were going to do anyway to the row it fits, then check that the row's 24-month line does not describe you.
Offers, fees, badges and the quoted terms were read on creditcards.chase.com on October 7, 2026. The award-discount and Polaris Saver rules were read on united.com for our August article. Mile values are our own, 1.3 cents per United mile as of September 30, 2026.