If you've got a Chase United card sitting in your wallet, you might want to check your mail or online account. Chase is rolling out upgrade offers on several United cards, and they're not something we see every day. For the Explorer card, you can choose between 15,000 bonus miles or a $150 statement credit. The United Quest card is also getting a 15,000-mile offer. These are targeted, so not everyone will see them, but if you're eligible, it's a solid deal.
What's the Deal?
Chase is sending out upgrade offers for United credit cards, and they're actually pretty good. If you have the United Explorer card, you've got two paths: take 15,000 bonus miles or snag a $150 statement credit. That's a nice chunk of change or miles just for moving up to a higher-tier card. For those with the United Quest card, the offer is 15,000 miles. These are upgrade offers, meaning you're moving from one United card to a more premium version, not applying for a new card.
- Explorer: 15,000 miles or $150 statement credit
- Quest: 15,000 miles
Who's Eligible?
These offers are targeted, so not everyone with a United card will see them. You'll typically find them in your Chase online account, in the mail, or via email. If you're interested, log in to Chase and look for upgrade offers under your United card details. It's worth checking even if you don't think you're targeted—sometimes these pop up unexpectedly.
A Few Things to Keep in Mind
Upgrading means you'll likely get a new card with a higher annual fee. Make sure the benefits of the upgraded card justify the cost. For example, the Explorer card already has a $95 fee (waived first year), but the Quest card has a $250 fee. The bonus miles or credit can offset that, but do the math. Also, upgrading might affect your credit limit and could trigger a hard pull, though that's rare with upgrades. And remember, you won't get a new account bonus for upgrading—this is a separate offer.
- Higher annual fee on upgraded card
- Check if the bonus outweighs the fee
- May not be eligible if you recently upgraded
- Targeted offers only—check your account
Bottom Line
- Targeted upgrade offers on Chase United cards: Explorer gets 15,000 miles or $150 credit, Quest gets 15,000 miles.
- Check your Chase account or mail for eligibility—don't assume you're not targeted.
- Weigh the annual fee increase against the bonus before upgrading.
Common Questions
How do I know if I'm targeted?
Log into your Chase account and look under your United card details for upgrade offers. You might also receive an email or physical mail.
Can I choose between miles and the statement credit on the Explorer card?
Yes, the offer gives you two options: 15,000 miles or a $150 statement credit. Pick whichever suits your needs.
Will upgrading affect my credit score?
Upgrades typically don't involve a hard pull, so your credit score shouldn't take a hit. But your credit limit may change.
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