United Quest℠ Card Review (Update 2026.1: 90k Offer)

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2026.1 Update: New welcome offer is 90k. Offer ends 2026.4.1.

2025.8 Update: Welcome offer now reduced to 80k.

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

Application link

Benefits

1. 90k gift: earn 80,000 United miles after spending $4,000 in 3 months. Earn 10k more miles if you add an authorized user in the first 3 months. That’s a total of 90k miles. Best recent offer is 110k.
2. We value UA miles at 1.5 cents (Price of Airline Miles). So a 110k max welcome offer would be worth $1,650! Look A Beginner’s Guide to UA Miles to check information about UA Miles.
3. Earn 3x UA miles on United; earn 2x UA miles on travel, dining, and select streaming services; earn 1x UA mile per dollar spent on all other purchases.
4. [New] $200 United TravelBank Cash: Automatically earn $200 in United TravelBank cash after account opening and every year on your account anniversary. This benefit replaces the previous $125 credit on United purchases.
5. [New] 10,000 miles annual flight rebate: Starting on your first anniversary and every year thereafter, you’ll receive a 10,000 mile rebate that you can use toward an eligible flight. This benefit replaced the previous 5,000 mile anniversary flight awards.
6. [New] Earn 10,000 airline miles after spending $20,000 each calendar year.
7. [New] There are various coupons on this card now, see the next section below.
8. First and second bag free on United flights when you purchase tickets (or pay taxes and fees for award tickets) with this card.
9. Group 2 boarding on United flights when you purchase tickets (or pay taxes and fees for award tickets) with this card.
10. Earn 25% on flight purchases.
11. Get 25% bonus miles on MileagePlus X purchases.
12. Additional 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 for an annual fee at a fixed rate of 1.60 cents/point.
15. Car rental insurance.
16. There is no foreign currency.
17. Refer a friend (target): You can earn 5,000 bonus UA miles for every approved account you refer, up to 10 approved referrals (50,000 UA miles) per calendar year.

Coupons vary

• $150 Popular Hotels & Resorts Credit: Get $150 back in statement credits for each year of hotel stays when you prepay directly through Popular Hotels & Resorts with this card.
• $80 Avis/Budget Credit: Get $40 in United TravelBank credit, up to $80 each 1-year anniversary, for your first and second Avis or Budget car booked directly through cars.united.com and paid for with this card.
• $100 rideshare credit: Sign up for up to $100 back in statement credit each calendar year on rideshare purchases when you pay with this card: $8 back in statement credit each month from January through November and up to $12 in the month of December. Annual entry is required.
• $180 Instacart credit: Get a $10 Instacart credit and one $5 Instacart credit every month, up to a total of $180 each calendar year, on purchases made directly through Instacart with this card. Terms apply. Offers end 12/31/27.
• $150 JSX Credit: Get up to $150 back in statement credit each year when you book flights directly through JSX using this card. JSX is a hop-on jet service that offers a private flying experience at commercial rates.

Evil

1. [New] $350 annual fee, NOT due the first year.

Recommended Application Period

1. [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not approve your application for this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not just Chase accounts. See this post for details on how to 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 received the signup bonus, not the time you opened or closed the account.
3. Do not apply for more than 2 credit cards within 30 days, or you are more likely to be declined.
4. We recommend that you apply for this card after you have had a credit history of more than a year.

Summary

The sign-up bonus on this card is very good, so it’s worth using it. However, this card is now a coupon book. If you fly a lot on United, then a $200 United TravelBank fee and a 10,000-mile award flight discount (about $150 worth) can offset the $350 annual fee somewhat. If you can keep using a coupon like the $150 Popular Hotels & Resorts coupon, you can get more than the annual fee. If you hate spending time on this kind of thing, you might consider downgrading it to the Chase United Gateway card that can be charged after one year.

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Recommended Download Options

After applying

• Call 800-436-7927 to check the status of your Chase application. This is an automated phone line, and the information has the following meanings: Getting a decision within 2 weeks means your application is likely to be approved; Getting a decision in 7-10 days means your application has probably been rejected; Getting a decision within 30 days means that your application needs further review and there is nothing to tell you yet.
• Find the back door number for Rethink: 888-270-2127 or 888-609-7805. Call it if you are not approved right away. Your personal information will be received and they will update it. You don’t usually answer questions, instead, you enjoy the music and it is approved or rejected, or more information is needed to be delivered to the branch or sent by fax.

Historical Supply Chart

Note: Sometimes there are offers like 80k+20k on this card, but the spending requirement for the latter part is huge. Therefore, we do not treat them as a sign-up bonus; rather, we treat them as a bonus to spend.

Application link

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