Card dossier
United Quest
Issuer
Chase
Annual fee
$350
Offer Strength
Great offer$70 above typical value
Show breakdown
Estimated bonus value: ~$910
Base score: 45
Hotel boost: +8
Ongoing hotel value (conservative): ~$168
• $280 annual credits
Airline boost: +8
Ongoing airline value (conservative, ~2 trips/yr): ~$282
• 2 free checked bags
• $200 airline credits
Current $910 vs typical $840
Net value after annual fee: ~$910
Estimate based on our value hints; not financial advice.
Annual Fee
$350/yr
Credit Score
Very good credit recommended (700+)
United Quest
Welcome Offer
Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP): 60,000 bonus miles + 500 PQP after you spend $4,000 in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
United family rules
Chase United cards appear to have a 48-month per-product bonus cooldown. Cross-product bonuses are allowed.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
3x miles on United purchases
2x miles on dining and hotel stays
1x miles on all other purchases
10,000-mile award flight discount after $20,000 annual spend
Key benefits
$200 annual United travel credit
$200 annual United travel credit
$180 annual Instacart credit ($10 + $5 monthly)
$180 annual Instacart credit ($10 + $5 monthly)
$100 annual rideshare credit
$100 annual rideshare credit
2 free checked bags on United
2 free checked bags on United
25% back on United in-flight purchases
25% back on United in-flight purchases
TSA PreCheck / Global Entry credit ($120 every 4 years)
TSA PreCheck / Global Entry credit ($120 every 4 years)
Perks
Priority boarding on United flights
Priority boarding on United flights
1,000 PQP toward Premier status each year
1,000 PQP toward Premier status each year
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$280 in statement credits per year
Free Checked Bags
2 free checked bags per flight
Airline Credits
$200 in airline credits per year
Priority Boarding
Priority boarding on eligible flights
$200 United travel credit + $180 Instacart credit + $100 rideshare credit + 2 free checked bags + priority boarding.
Annual Fee Breakeven
Good fit for
About this card
The United Quest Card sits between the Explorer and Club Infinite, offering elevated United earning, a $200 United travel credit, award-flight discounts, checked bag benefits, and a limited-time offer of up to 70,000 miles plus 500 PQP.
Best for
Dedicated United flyers who want enhanced earning rates and award flexibility beyond what the Explorer offers, without paying for the premium Club Infinite tier.
Key considerations
The $350 annual fee is higher than the Explorer, so evaluate whether the additional perks justify the premium. Subject to Chase 5/24 and United family rules.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
10,000 United miles
PhoneFlyerTalk · 2025-11
$150 statement credit
PhoneReddit · 2025-08
Tip: Quest has a higher fee ($350). Mention downgrading to Explorer as leverage.
Last updated: 2026-03. Not guaranteed.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the United Quest awards 70,000 miles after spending $4,000 within 90 days of account opening.
Annual fee value
The $350 annual fee is more than offset by ongoing benefits including annual statement credits ($280), free checked bags (~$140/yr), airline credits ($200), with an estimated total value of ~$620 per year.
In the first year, the sign-up bonus alone delivers approximately $1,180 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the united product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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