Can You Have 2 United Cards?

As one of many largest airways in the USA, United Airways includes a broad route community and an enviable partnership inside Star Alliance. United loyalists have a variety of co-branded bank cards from which to decide on, however what occurs whenever you need a couple of? Is it potential to have a number of United bank cards?

The short reply is sure, you may have two or extra United bank cards at a time. Nevertheless it’s vital to grasp the totally different guidelines and standards concerned. Let’s have a look.

United has partnered with Chase to supply a collection of bank cards. They have an inclination to maintain the lineup recent by introducing and retiring playing cards from time to time, although there are six at the moment out there.

1. United Gateway℠ Card: Earn 20,000 bonus miles after you spend $1,000 on purchases within the first 3 months your account is open. Plus, this card has no annual payment.

2. United℠ Explorer Card: Earn as much as 70,000 bonus miles. Earn 60,000 bonus miles after you spend $3,000 on purchases within the first 3 months your account is open. Plus, earn an extra 10,000 miles after you spend $6,000 whole on purchases within the first 6 months your account is open. Plus, get two United Membership one-time passes per yr and your first checked bag free on United flights. The annual payment is $0 intro for the primary yr, then $95.

3. United Quest℠ Card: Earn 70,000 bonus miles after you spend $4,000 on purchases within the first 3 months your account is open. Plus, rise up to $125 in assertion credit annually and as much as 10,000 miles again on award redemptions after your first anniversary. The cardboard comes with a $250 annual payment.

4. United Membership℠ Infinite Card: Earn 120,000 bonus miles after you spend $6,000 on purchases within the first 3 months your account is open. Plus take pleasure in a United Membership membership and two free checked baggage on United flights. This card has a $525 annual payment.

1. United℠ Enterprise Card: Earn 75,000 bonus miles after you spend $5,000 on purchases within the first 3 months your account is open. Plus, obtain two one-time United Membership passes annually and a free checked bag on United flights, all for a $0 intro for the primary yr, then $99 annual payment.

2. United Membership℠ Enterprise Card: Earn 75,000 bonus miles after you spend $5,000 on purchases within the first 3 months your account is open. Plus, take pleasure in two free checked baggage and a United Membership membership. You’ll pay a $450 annual payment.

Ever heard of the 5/24 rule? The time period is used to explain Chase’s technique on the subject of approving bank card functions. Briefly, because of this to be able to be authorised for a Chase bank card, you’ll have to have opened fewer than 5 new bank cards in a 24-month span.

Remember that that is fewer than 5 bank cards, so that you’ll have to be at 4 playing cards or below to be able to acquire approval. Additionally, this is applicable to all bank cards — throughout all issuers — not simply these offered by Chase. Which means for those who’ve lately opened a slew of American Specific, Citi, Capital One or Uncover bank cards, Chase will contemplate these when processing your software.

There may be just about no wiggle room on this, so for those who’re at or above the 5/24 depend, you gained’t have the ability to purchase an extra United card.

The excellent news is that many small enterprise playing cards aren’t included inside this quantity, so you may doubtlessly have a number of new enterprise playing cards from different issuers and nonetheless be below the 5/24 threshold that Chase requires. This consists of Chase’s personal United enterprise bank cards.

Like many card issuers, Chase has restricted how and whenever you earn welcome bonuses. Though it’s not as strict as American Specific, which lets you earn a welcome bonus simply as soon as per lifetime, you’ll nonetheless expertise a ready interval.

As a way to obtain a welcome bonus on a United bank card, it’s essential to not at the moment maintain the cardboard and it’s essential to not have acquired the cardboard’s welcome bonus inside the final 24 months. This is applicable to each private and small enterprise playing cards.

What does this imply in observe? Let’s say that you simply maintain the United℠ Explorer Card, which you acquired in August 2018. You want the cardboard, however need to increase your United MileagePlus account because you’re pondering of taking a world journey.

As a present cardholder, you’re not eligible for the bonus. You may, nonetheless, cancel the cardboard. As soon as the cardboard is not lively, you’ll qualify below Chase’s standards and can have the ability to obtain the bonus once more.

Be aware that having the ability to enroll in the cardboard and being eligible to obtain a welcome bonus are two separate issues: You may apply for and be authorised for a card with out being eligible for the welcome bonus.

Theoretically, it’s potential to carry all United bank cards directly, although that will not be an incredible thought. Though Chase doesn’t publish an higher restrict on the variety of playing cards you may have, you’ll need to contemplate the annual price of sustaining every card, in addition to the spending quantity required to earn every card’s welcome bonus.

That being mentioned, for those who’re trying to maximize the variety of United playing cards that you simply maintain and also you additionally qualify for a small enterprise card, making use of for one or each enterprise choices will grant you two United playing cards with out taking on a useful spot for Chase’s 5/24 rule.

You need a journey bank card that prioritizes what’s vital to you. Listed below are our picks for the greatest journey bank cards of 2022, together with these greatest for: