United Quest℠ Card Review (2026.1 Update: 90k Offer) – US Credit Card Guide

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2026.1 Update: The new welcome offer is 90k. Offer ends on 2026.4.1.

2025.8 Update: The welcome offer is now lowered to 80k.

2025.6 Update: The new welcome offer is 100k! This is the best ever offer on this card.

Application Link

Benefits

1. 90k offer: earn 80,000 United miles after spending $4,000 in 3 months. Earn 10k more miles when you add an authorized user in the first 3 months. That’s 90k miles in total. The recent best offer is 110k.
2. We value UA miles at 1.5 cents (Airline Miles Value). So the 110k highest welcome offer is worth about $1,650! See A Beginner’s Guide to UA Miles to check for details about UA Miles.
3. Earn 3x UA miles on United; earn 2x UA miles on travel, restaurants, and select streaming services; earn 1x UA mile per dollar spent on all other purchases.
4. [New] $200 United TravelBank cash: Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary. This benefit replaced the previous $125 credit on United purchases.
5. [New] Annual 10,000-mile award flight discount: Starting with your first anniversary and every anniversary thereafter, you’ll get a 10,000-mile discount to use toward an eligible award flight. This benefit replaced the previous two 5,000-mile anniversary award flight credits.
6. [New] Earn a 10,000-mile award flight discount after spending $20,000 each calendar year.
7. [New] There are varies coupons on this card now, see next section below.
8. First and second checked bag free on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card..
9. Group 2 boarding on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card.
10. Earn 25% back on in flight purchases.
11. Get 25% bonus miles on MileagePlus X purchases.
12. More award availability (XN cabin) with this card.
13. Up to $100 Global Entry or TSA Pre✓® Fee Credit.
14. With this card, you can redeem your UA miles towards annual fee at a fixed ratio 1.60 cents/point.
15. Primary car rental insurance.
16. No foreign transaction fee.
17. Refer a friend (targeted): You can earn 5,000 bonus UA miles for every approved account you refer, up to a maximum of 10 approved referrals (50,000 UA miles) per calendar year.

Varies Coupons

• $150 Renowned Hotels and Resorts credit: Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with this card.
• $80 Avis/Budget credit: Receive $40 in United TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with this card.
• $100 rideshare credit: Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with this card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
• $180 Instacart credit: Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with this card. Terms apply. Benefits end 12/31/27.
• $150 JSX credit: Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using this card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares.

Disadvantage

1. [New] Annual fee $350, NOT waived for the first year.

Recommended Application Time

1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
2. You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you opened or closed the account.
3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

The sign-up bonus on this card is very nice, so it is worth applying. However, this card has become a coupon book. If you fly United a lot, then $200 United TravelBank cash plus 10,000-mile award flight discount (about ~$150 in value) can somewhat offset the $350 annual fee. If you can further take advantage of a coupon like the $150 Renowned Hotels and Resorts coupon, then you can get more than the annual fee. If you hate spending time on this kind of thing, you can consider downgrading it to the no fee Chase United Gateway card after one year.

Related Credit Cards

Recommended Downgrade Options

After Applying

• Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
• Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Note: Sometimes there are offers such as 80k+20k on this card, but the spending requirement for the latter part is huge. Therefore, we don’t treat them as sign-up bonus; instead, we treat them as spending bonus.

Application Link

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