United Quest Card

Chase Visa Premium Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: united-quest-card

Issuer: Chase

Card Name: United Quest Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 12:08

Last Scraped: Jan 15, 2026 07:16

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: United MileagePlus Miles

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x United Purchases; 2x Dining; 2x Gas Stations; 2x Select Streaming Services

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: United MileagePlus miles do not expire.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A (miles are already United MileagePlus miles, redeemable on Star Alliance partners)

Redemption Penalties: Dynamic award pricing; potential change/cancellation fees depending on fare and status.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $100

Sign-Up Bonus
PENDING

80,000

Points/Miles

Requirement: Spend $5,000 in 90 days

Timing: Bonus miles will post to your United MileagePlus account 6 to 8 weeks after you have met the spending requirement.

Fee Structure
PENDING
Annual Fee: $250.00
Year 1 Waived: No
Effective Annual Fee: $125.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 28.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
700 - 800
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 7

Min 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.

Cliff Effect Rules: The welcome bonus for the United Quest Card is generally not available to current cardmembers of any United credit card, or previous cardmembers of any United credit card who received a new cardmember bonus for a United credit card within the last 24 months. This rule applies across the entire United co-branded card family from Chase, meaning receiving a bonus on a United Explorer Card, for example, would make you ineligible for a Quest bonus for 24 months.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0