United Quest Card
Basic Information
Program ID: united-quest-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 12:08
Last Scraped: 01/15/2026 07:16
Fee Structure
| Annual Fee: | $250.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $125.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $80,000.00
Spending Requirement: $5,000.00
Time Period: 90 days
Bonus Timing: Bonus miles will post to your United MileagePlus account 6 to 8 weeks after you have met the spending requirement.
Rewards Program
Reward Type: United MileagePlus Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x United Purchases; 2x Dining; 2x Gas Stations; 2x Select Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: United MileagePlus miles do not expire.
Transfer Partners: N/A (miles are already United MileagePlus miles, redeemable on Star Alliance partners)
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 700 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants for the United Quest Card must adhere to Chase's 5/24 rule, meaning they cannot have opened 5 or more personal credit cards across all issuers in the past 24 months. Additionally, Chase generally limits new applications to no more than 2 cards within a 30-day period. Eligibility for the welcome bonus typically requires excellent credit (FICO score of 740+ recommended), sufficient income to support the credit line, and being 18 years or older (21+ in some states). The welcome bonus usually requires meeting a specified spending threshold within the initial months of account opening.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), excessive credit cycling, high cumulative credit limits across all Chase cards, rapid application for multiple Chase products, suspicious spending patterns inconsistent with declared income, frequent balance transfers without organic spend, payment defaults, or abuse of return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Excellent sign-up bonus, strong rewards on United purchases (3x miles), valuable annual United credit ($125), includes two free checked bags, and offers 5,000 anniversary bonus miles. No foreign transaction fees.
Top Negative Feedback:
High annual fee ($250) not waived, rewards are primarily tied to the United ecosystem, and requires excellent credit for approval. Other cards may offer more flexible travel rewards.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- United Explorer Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $440.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 20% General / 80% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0