An impossible credit card signup bonus

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I applied for the United Mileage Plus Explorer Card last week.  After several attempts logging in and out of my Mileage Plus account and playing with URLs I finally tricked my browser to let me get in on the 65K + 50 dollar statement credit offer.  For those interested, here is the URL that worked for me.


I expected to be denied and have to call the reconsideration line since I already have several Chase personal cards.   To be my surprise, the card arrived in the mail today and I didn’t have to put in a call to Chase.

The offer is structured with 50,000 miles for the first purchase, 5,000 miles for adding an authorized user, and the last 10,000 miles come when you spend 25,000 dollars in a year.  I have absolutely no interest in going after additional 10,000 miles when a one dollar purchase gets me 85% of the signup bonus.   I don’t know exactly how Chase determines credit limits but they decided to give me a 1000 dollar credit limit on this card, less than a tenth of the credit limits on all my other cards.  With a 1000 dollar credit limit on this card Chase made it pretty much impossible to achieve the full signup bonus!

Oh well, I’ll take 55k with a smile on my face.

Editorial Note: Opinions, analyses, reviews or suggestions expressed on this site are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. For details on current offers visit the card issuer’s site.

About alex

Alex loves to travel and does so a lot. Logging 100,000 flight miles each year over the past 4 years, Alex uses points and miles to power his passion. Alex is continuously striving to experience the far reaches of the globe. In his day job, Alex is a Management Consultant frequently on the road advising Technology organizations. I love thinking about, reading about, and talking about all things travel. Feel free to reach me at

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  1. I just received this targeted offer in the mail yesterday, so be on the look out as well.

  2. Not that it matters because I already ached in on this offer early this year, when I clicked the link, it went through like 7 URL redirections and landed on the 40K offer. And Kathy, the only benefit I see this having over the Club Card is the bonus miles on sign up, so once you get those, I don’t see the need to hold on to it.

  3. Regarding your $1k credit limit, it seems like Chase puts a total $ max across all a person’s chase accounts. For me, it is $60K. I actually have 5 chase accounts and have had to barter credit limits, but never above the max of $60K

  4. Chase will let you increase the credit limit by lowering the limit on another Chase card. Citi will not do this (at least not in the first six months). You can also pay online as soon as a purchase posts allowing you to meet the spending reqs.

  5. @dealswelike – FYI, I actually received a lower targeted offer in the mail but was able to get this link to work after a few tries.

    @Daniel Rubenstein – I am not sure how exactly this link works. I was re-routed back to the 40k offer several times. I tried pasting into different browsers while logged into my United account in another tab and it finally came up. YMMV

  6. @carwag25 – I had a hunch that was the case. I was prepared to barter if I was denied, but since I don’t see any long term benefit in using this card, it’s a moot point.

  7. My experience has been that if you log in to your United account first, the link will work. Otherwise it will redirect to the 40k offer. You may need have earned some miles in your United account for the link to work for you.

  8. @Kathy – I don’t know if Chase ever does this, but be aware that they mention a 6 month rule in their terms so best to keep it open at least 6 months.

    From T&C:
    “If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account.”

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