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I don’t recall ever getting a spending bonus on one of my United co-branded cards beyond the built-in opportunity that some United cards have to earn 10,000 bonus miles each calendar year that you spend $25,000 on the card. I still use my United Club Card for some recurring bills and other non-bonused charges since it pays out 1.5x miles per dollar, but it doesn’t get used constantly.
However, it may get some extra love in the fourth quarter of the year thanks to a targeted offer that will award me 5,000 bonus United miles for $8,000 in purchases. If I spent exactly $8,000 on the card from October 1 – December 31, 2017, I would earn not only my normal 1.5x miles per dollar but an additional 5,000 mile bonus for a total of 17,000 miles for $8,000 in spending. I value United miles at least at 1.5 cents per mile (honestly a bit higher), so at that rate that is the same as earning 3.18 cents in value per dollar spent on the card, which is a very good rate of return for otherwise non-bonused spending.
While not every United credit card is included in this offer, lots of personal and small business accounts seem to be included and the offers vary from 7,500 bonus miles for making 30 purchases to offers like mine with a higher spending requirement to trigger the bonus (and some are even higher than mine).
If you didn’t notice an email about an offer, you can still check here to see if you were targeted.
Frankly, this is exactly the kind of thing that the co-branded cards have to do to get attention in my wallet. Sure my United Club Card awards 1.5x miles per dollar, but many co-branded airline cards award just 1 mile per dollar on most purchases, and that just isn’t super competitive with what many of the bank cards can offer. Heck, a 2% cash back card makes more sense than a 1 mile per dollar rate on an ongoing basis unless you are also spending towards an elite qualifying dollars waiver or similar. However, at 2.125 miles per dollar, which is where I’ll be with $8,000 in 1.5x spending this quarter, I’m probably in.
Was your United credit card given a targeted spending offer for the end of the year?
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.