Chase United Cardholders: Check Your App for a Targeted Fall Spending Bonus

If you hold a United credit card from Chase, there's a good chance a new targeted spending offer is waiting for you. Chase is running a promotion for October through December where you can earn bonus miles for hitting a spending threshold. The catch? It's targeted, so not everyone will get the same deal — or any deal at all. Here's what to know and how to check if you're eligible.

What the promotion looks like

Chase is dishing out spending bonuses to select United cardholders for the last quarter of the year. The exact terms aren't one-size-fits-all — your offer depends on your card and your spending history. One example floating around is spending $3,000 to earn 3,000 bonus miles. That's a 1x bonus on top of whatever you'd normally earn, which isn't earth-shattering but can be a nice little boost if you were going to spend that money anyway.

The promotion runs from October through December, so you have three months to meet the requirement. If you're already putting a lot of spend on your United card, this could be an easy win. If not, you'll want to do the math to see if it's worth shifting your spending.

How to find out if you're targeted

The quickest way to check is through the United app. Offers like this typically show up there if you're eligible. If you don't see anything in the app, you can also visit the promotion page directly. Just log in with your United account and see what pops up.

Keep in mind that these offers are targeted, meaning Chase decides who gets them and what the terms are. You might get a great offer, a mediocre one, or nothing at all. It's worth a quick look, but don't be surprised if you strike out.

• Open the United app and look for a spending offer banner or notification.
• Alternatively, go to promo.united.com/offers/extramile and sign in.
• Offers are targeted, so availability and terms vary by cardholder.

Is it worth it?

That depends entirely on what you're offered. If you get something like spend $3,000, get 3,000 miles, you're looking at a 1% return in miles — not bad, but not amazing either. United miles are generally worth around 1.2 to 1.5 cents each, so 3,000 miles is roughly $36 to $45 in value. If you were going to spend $3,000 on the card anyway, it's free money. If you'd have to go out of your way to hit the threshold, it might not be worth the effort.

Also consider whether you have other cards that earn more on your typical spending. If you're giving up 2% cash back on another card to earn 1x United miles, you're actually losing value. Run the numbers before you commit.

A few things to watch out for

Targeted offers can be tricky. Make sure you read the fine print: some offers exclude certain purchases, like balance transfers or cash advances. Also, the spending period is fixed — October through December — so purchases outside that window won't count.

And don't forget that meeting a spending requirement might tempt you to spend more than you normally would. That's a trap. Only pursue the bonus if the spending fits your budget and you'd be making those purchases regardless.

• Check the offer's terms for exclusions (e.g., balance transfers, cash advances).
• Only purchases made during the promotion period count.
• Don't overspend just to hit the threshold — it defeats the purpose.

Bottom Line

• Chase is offering targeted United cardholders a spending bonus for October–December.
• Example offer: Spend $3,000, get 3,000 miles.
• Check the United app or promo.united.com/offers/extramile to see if you're eligible.
• Evaluate whether the bonus is worth it based on your normal spending habits.

Common Questions