United Quest℠ Card Evaluation (2025.3 Replace: 90k Supply; Annual Payment Elevated; Varies Coupons Added)

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2025.3 Replace: This card has the next modifications at this time:

• The welcome supply is modified from 60k to 90k, and that is one of the best ever supply on this card! Supply ends on Could 7.
• The annual payment is elevated from $250 to $350. First 12 months annual payment NOT waived.
• $200 United TravelBank money: Robotically obtain $200 in United TravelBank money after account opening and yearly in your account anniversary. This profit changed the earlier $125 credit score on United purchases.
• Annual 10,000-mile award flight low cost: Beginning together with your first anniversary and each anniversary thereafter, you’ll get a ten,000-mile low cost to make use of towards an eligible award flight. This profit changed the earlier two 5,000-mile anniversary award flight credit.
• Earn a ten,000-mile award flight low cost after spending $20,000 every calendar 12 months.
• $150 Famend Resorts and Resorts credit score: Obtain as much as $150 again in assertion credit every anniversary 12 months on resort lodging while you prepay straight by way of Famend Resorts and Resorts with this card.
• $80 Avis/Funds credit score: Obtain $40 in United TravelBank money, as much as $80 every anniversary 12 months, on your 1st and 2nd Avis or Funds automobile rental booked straight by way of automobiles.united.com and paid for with this card.
• $100 rideshare credit score: Enroll to obtain as much as $100 again as assertion credit every calendar 12 months on rideshare purchases when paying with this card: $8 again as a press release credit score every month from January by way of November and as much as $12 again for the month of December. Yearly opt-in is required.
• $180 Instacart credit score: Obtain one $10 Instacart credit score and one $5 Instacart credit score month-to-month, as much as $180 whole every calendar 12 months, for purchases made straight by way of Instacart with this card. Phrases apply. Advantages finish 12/31/27.
• $150 JSX credit score: Stand up to $150 again as a press release credit score every anniversary 12 months while you e book flights straight with JSX utilizing this card. JSX is a hop-on jet service that provides a semi-private flying expertise at industrial fares.

In abstract, this card has change into a coupon e book. When you fly United quite a bit, then $200 United TravelBank money plus 10,000-mile award flight low cost (about ~$150 in worth) can considerably offset the $350 annual payment. When you can additional make the most of a coupon just like the $150 Famend Resorts and Resorts coupon, then you may get greater than the annual payment. When you hate spending time on this sort of factor, you’ll be able to think about downgrading it to the no payment Chase United Gateway card after one 12 months.

2025.3 Replace: The supply is again to 60k.

2024.11 Replace: The brand new supply is 70k.

Software Hyperlink

Advantages

1. 90k supply: earn 90,000 United miles after spending $4,000 in 3 months. That is the very best supply on this card.
2. We worth UA miles at 1.5 cents (Airline Miles Worth). So the 90k highest welcome supply is price about $1,350! See A Newbie’s Information to UA Miles to test for particulars about UA Miles.
3. Earn 3x UA miles on United; earn 2x UA miles on journey, eating places, and choose streaming providers; earn 1x UA mile per greenback spent on all different purchases.
4. [New] $200 United TravelBank money: Robotically obtain $200 in United TravelBank money after account opening and yearly in your account anniversary. This profit changed the earlier $125 credit score on United purchases.
5. [New] Annual 10,000-mile award flight low cost: Beginning together with your first anniversary and each anniversary thereafter, you’ll get a ten,000-mile low cost to make use of towards an eligible award flight. This profit changed the earlier two 5,000-mile anniversary award flight credit.
6. [New] Earn a ten,000-mile award flight low cost after spending $20,000 every calendar 12 months.
7. [New] There are varies coupons on this card now, see subsequent part under.
8. First and second checked bag free on United flights when buying tickets (or paying the tax and charges for award tickets) with this card..
9. Group 2 boarding on United flights when buying tickets (or paying the tax and charges for award tickets) with this card.
10. Earn 25% again on in flight purchases.
11. Get 25% bonus miles on MileagePlus X purchases.
12. Extra award availability (XN cabin) with this card.
13. As much as $100 World Entry or TSA Pre✓® Payment Credit score.
14. With this card, you’ll be able to redeem your UA miles in direction of annual payment at a set ratio 1.60 cents/level.
15. Main automobile rental insurance coverage.
16. No international transaction payment.
17. Refer a good friend (focused): You may earn 5,000 bonus UA miles for each authorised account you refer, as much as a most of 10 authorised referrals (50,000 UA miles) per calendar 12 months.

Varies Coupons

• $150 Famend Resorts and Resorts credit score: Obtain as much as $150 again in assertion credit every anniversary 12 months on resort lodging while you prepay straight by way of Famend Resorts and Resorts with this card.
• $80 Avis/Funds credit score: Obtain $40 in United TravelBank money, as much as $80 every anniversary 12 months, on your 1st and 2nd Avis or Funds automobile rental booked straight by way of automobiles.united.com and paid for with this card.
• $100 rideshare credit score: Enroll to obtain as much as $100 again as assertion credit every calendar 12 months on rideshare purchases when paying with this card: $8 again as a press release credit score every month from January by way of November and as much as $12 again for the month of December. Yearly opt-in is required.
• $180 Instacart credit score: Obtain one $10 Instacart credit score and one $5 Instacart credit score month-to-month, as much as $180 whole every calendar 12 months, for purchases made straight by way of Instacart with this card. Phrases apply. Advantages finish 12/31/27.
• $150 JSX credit score: Stand up to $150 again as a press release credit score every anniversary 12 months while you e book flights straight with JSX utilizing this card. JSX is a hop-on jet service that provides a semi-private flying expertise at industrial fares.

Drawback

1. [New] Annual payment $350, NOT waived for the primary 12 months.

Really helpful Software Time

1. [5/24 Rule] When you’ve got 5 or extra new accounts opened prior to now 24 months, Chase is not going to approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this publish for particulars about how you can probably bypass this rule.
2. You aren’t eligible for this sign-up bonus when you acquired a sign-up bonus on this card inside 24 months. Observe that what issues right here is the time you bought the sign-up bonus, not the time you opened or closed the account.
3. Don’t apply for greater than 2 Chase bank cards inside 30 days, or it’s extremely possible that you’ll get rejected.
4. We advocate you to use for this card after you have got a credit score historical past for greater than a 12 months.

Abstract

The sign-up bonus on this card may be very good, so it’s price making use of. Nonetheless, this card has change into a coupon e book. When you fly United quite a bit, then $200 United TravelBank money plus 10,000-mile award flight low cost (about ~$150 in worth) can considerably offset the $350 annual payment. When you can additional make the most of a coupon just like the $150 Famend Resorts and Resorts coupon, then you may get greater than the annual payment. When you hate spending time on this sort of factor, you’ll be able to think about downgrading it to the no payment Chase United Gateway card after one 12 months.

Associated Credit score Playing cards

Really helpful Downgrade Choices

After Making use of

• Name 800-436-7927 to test Chase software standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain choice in 2 weeks means your software might be authorised; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional evaluate and there’s nothing to let you know for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it when you didn’t get approve instantly. Your private data will likely be acquired and they’ll then evaluate it. You seldom reply questions, as a substitute, simply benefit from the music and then you definitely get authorised or rejected, or additional data is required to be hand in to the department or faxed.

Historic Provides Chart

Observe: Generally there are gives similar to 80k+20k on this card, however the spending requirement for the latter half is big. Due to this fact, we don’t deal with them as sign-up bonus; as a substitute, we deal with them as spending bonus.

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