Chase
United Quest Card
Annual Fee
$350
Bonus Value
$810
Min Spend
$4K/3mo
Current Welcome Offer
60,000
United MileagePlus Miles — worth ~$810
Spend $4,000 in 3 months
Highest since tracking startedOffer history since tracking began
36 data points
Offer details may have changed
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Key facts
| Annual fee | $350 |
|---|---|
| Welcome bonus | 60,000 United MileagePlus Miles after $4,000 spend in 3 months |
| Bonus value estimate | ~$810 |
| Top earning rates | 3× flights · 2× dining · 2× streaming |
| Points program | United MileagePlus |
| Card network | Visa |
| Foreign transaction fee | None |
What you get
All 3 perks ↓Perks/yr up to
$383
Annual Fee
$350
Covers fee (realistic use)
0.5×
Historical Intelligence
Offer history & timing
As of today, the United Quest Card welcome offer is 60,000 points. CreditPoints has tracked 3 offer changes for this card; the tracked average is 60,833 points and the highest offer in our dataset is 80,000 points (October 2026).
Current
60,000
Average
60,833
Tracked High
80,000
Recent changes
2026-10
chase
2026-08
chase
2026-08
chase
Highest observed since tracking started: 80,000 (2026-10)
Timing Intelligence
Strong time to apply
This offer is at or near the best in our offer-history dataset. The current offer of 80,000 is at or near the highest we have on record (80,000). Elevated offers on this card typically don't last more than 30–60 days.
Current offer
60,000
United MileagePlus Miles
Based on 3 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$171/yr after bonus)
Timing
Strong time to apply
This offer is at or near the best in our offer-history dataset. The current offer of 80,000 is at or near the highest we have on record (80,000). Elevated offers on this card typically don't last more than 30–60 days.
Verified from issuer · May 12
Ecosystem
United MileagePlus
MileagePlus miles for United flights, Star Alliance, and partner airlines.
Value
First-year value estimate
Conservative
+$860
65% benefit utilization, minimal travel redemptions
Realistic
+$981
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,142
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$171/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists · rewards valued at what a holder of THIS card can redeem — no companion premium card is assumed. 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 $350 annual fee through benefits
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
60,000 United MileagePlus Miles
Last verified
May 12, 2026
Annual fee
$350/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
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All United Quest comparisons
Alternatives
Consider these cards instead
FAQ
Frequently asked questions
What's the current United Quest welcome bonus?
60,000 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 $350 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$810 estimated cash value) plus up to ~$383/yr in tracked benefits and credits typically covers the $350 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 are the main benefits of the United Quest?
The highest-value benefits we track on the United Quest: First 2 Checked Bags Free (~$140), $125 United Travel Credit (~$125), 2 United Club Passes Per Year (~$118). Combined tracked benefit value is up to ~$383 per year against the $350 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
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.
What credit limit does the United Quest come with?
Chase doesn't publish credit limits for the United Quest — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
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.
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 discontinuation explained, Polaris transcons at 35-45K, Star Alliance partner backup.
Read
United MileagePlus Sweet Spots 2026
Honest point ranges for where MileagePlus still prices well in 2026 — plus the Excursionist Perk correction, and the decision framework for when Aeroplan or Avios beats United on the same route.
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Chase United Explorer Card Review 2026: Is the $95 Annual Fee Worth It?
Chase United Explorer review 2026: $95 fee, 2x miles on United & dining, free bags, 2 lounge passes. Is it worth it? Full analysis inside.
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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: 60,000 United — worth ~$810
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. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
United Quest
60,000 United offer