United℠ Business Card - The Points Guy (2024)

FAQs

What is the 120k bonus on a United credit card? ›

If you value United miles at a minimum of one cent each the 120,000-mile welcome bonus is worth $1,200 towards airfare — however, it's easy to get even more value from your miles. The card comes with a long list of benefits, including: Access to United Club (and participating Star Alliance™ affiliate) airport lounges.

There's a $0 intro annual fee for the first year, then $99 — making it one of the most affordable choices of the bunch. This card's welcome offer is 100,000 miles after spending $5,000 on qualifying purchases in the first three months of account opening. Offer ends April 3, 2024.

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

Chase 2/30 rule: Too many new cards in one month? Some credit card experts believe that Chase is also likely to decline new card applications if you have opened two credit cards within 30 days. This is known as the "2/30 rule." Because I had just opened two new cards, Chase was reluctant to let me open another.

300,000 airline miles are worth an average of $3,990, depending on the airline, what exactly you redeem the miles for, and when you choose to redeem. You will generally get the most value for your airline miles when redeeming for airfare.

Can I pay my mortgage with a credit card? Yes. Technically paying down your mortgage with a credit card is possible, but it is a complicated process. Mortgage lenders do not accept direct credit card payments, so you will need to find a workaround service like Plastiq to carry out the transaction.

However, it's generally a good idea to have two or three active credit card accounts, in addition to other types of credit such as student loans, an auto loan or a mortgage. Just remember: The number of credit cards you own is less important than how you use them.

Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.

Chase also has a "one Sapphire card" rule, which means that if you already have one flavor of Sapphire card, you can't get another. (You can't, for example, have both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®.)

Does AmEx have a 5/24 rule? ›

Does AmEx have a 5/24 rule? AmEx does not have a 5/24 rule like Chase does. However, it has other application rules that impact prospective applicants, including the 1-in-5 rule, the 2-in-90 rule and the once-per-lifetime rule.

Credit card churning involves signing up for one -- or multiple -- credit cards with the sole goal of earning its welcome bonus. Once you've achieved this, you can use the points, cash back or miles you've earned to pay for trips, apply toward purchases or simply opt to receive the cash.

There is real value, potentially well over £1,500-worth, in the 120,000 American Express Membership Rewards points you would receive as a sign-up bonus on the American Express Business Platinum card.

You'll earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.** 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.

United Club℠ Infinite Card

Annual fee: $525. Sign-up bonus: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. (Up from 80,000 bonus miles).