Chase
United Quest Card
Annual Fee
$250
Bonus Value
$1,215
Min Spend
$4K/3mo
Current Welcome Offer
90,000
United MileagePlus Miles — worth ~$1,215
Spend $4,000 in 3 months
Elevated offer30-day offer history
14 data points
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What you get
All 3 perks ↓Perks/yr up to
$383
Annual Fee
$250
Covers fee
1.5×
Historical Intelligence
Offer history & timing
Current
90,000
Average
90,000
Tracked High
100,000
Recent changes
2026-05
Chase.com
2025-10
NerdWallet (Wayback)
2025-07
NerdWallet (Wayback)
2025-04
NerdWallet (Wayback)
2024-09
NerdWallet (Wayback)
Highest observed since tracking started: 100,000 (2025-07)
Timing Intelligence
Offer recently increased
The welcome bonus was recently increased. This could mean an elevated offer period — or it may be at a short-term peak. Typical offer periods last 30–90 days.
Based on 14 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$112/yr after bonus) · est. +$112 net first-year value
Timing
Offer recently increased
The welcome bonus was recently increased. This could mean an elevated offer period — or it may be at a short-term peak. Typical offer periods last 30–90 days.
Ecosystem
United MileagePlus
MileagePlus miles for United flights, Star Alliance, and partner airlines.
Value
First-year value estimate
Conservative
+$112
65% benefit utilization, minimal travel redemptions
Realistic
+$112
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$112
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$112/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $383/yr in benefits
🛫airline credit
$125 United Travel Credit
$125/yr
$125 annual statement credit on United purchases.
United purchases including tickets, seat upgrades, and inflight purchases
First 2 Checked Bags Free
$140/use
First 2 checked bags free for cardholder and one companion.
United-operated flights; cardholder + 1 companion
🏛️lounge
2 United Club Passes Per Year
$118/yr
2 complimentary United Club one-time passes per year (~$59 each).
United Club lounges
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent travelers who want to maximize points on flights and hotels
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- Occasional credit card users who won't recoup the $250 annual fee through benefits
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
90,000 United MileagePlus Miles
Last verified
May 12, 2026
Annual fee
$250/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Consider these cards instead
Chase
United Explorer
Lower-fee option if you don't need all the premium perks.
$150/yr
80,000 pts
View review
Chase
SW Priority
Lower-fee option if you don't need all the premium perks.
$229/yr
75,000 pts
View review
Amex
Delta Gold
Delta frequent flyers who check bags on domestic routes
$150/yr
70,000 pts
View review
FAQ
Frequently asked questions
What's the current United Quest welcome bonus?
90,000 United MileagePlus Miles after spending $4,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the United Quest worth the $250 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,215 estimated cash value) plus tracked statement credits typically cover the $250 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What airport lounge access does United Quest include?
United Quest includes paid day-pass lounge access (not free entry). Lounge networks differ significantly between issuers — Centurion is Amex-only, Sapphire Lounges are Chase-only, Capital One Lounges are Cap One only. Pick the card whose network actually exists at the airports you fly through.
Does Chase's 5/24 rule apply to United Quest?
Yes. United Quest is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
What credit score do I need for United Quest?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in United Quest's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on United Quest and Chase
United MileagePlus: The Complete 2026 Program Guide
Why MileagePlus is the strongest US-domestic Star Alliance program for Chase UR holders — Excursionist Perk free segment, Polaris transcons at 35-45K, Star Alliance partner backup.
Read
How to Transfer Chase Ultimate Rewards to United MileagePlus: 1:1 Instant Transfers, Sweet Spots, and the Excursionist Perk
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and the Excursionist Perk free one-way — and exactly when to pull the trigger.
Read
Capital One Lounge Guide 2026: Locations, Access, Amenities & Comparisons
Everything you need to know about Capital One Lounges — which cards get you in, what's inside, how the DFW, IAD, DEN, LAS, and JFK locations compare, updated 2025–2026 access policies, and how they stack up against Centurion and Sapphire Lounges.
Read
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
United Quest Card
Current offer: 90,000 United — worth ~$1,215
View Official OfferChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
United Quest
90,000 United offer