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Author - Sam
Updated: November 20, 2024 | Credit Card Review The card_name is a middle card between the luxury United Club card and the more basic United Explorer or United Gateway. The United Quest card has a $250 annual fee, but for someone flying United, the fee will very quickly payout with benefits like a $125 United credit, 5,000 bonus points for reward redemptions, first and second-checked bags free, and more. Travel protections include lost and delayed baggage insurance, trip cancelation, interruption, and trip delay insurance, auto rental insurance, and more. This card is perfect for a frequent United Airlines Traveler. Check out more details about the benefits below.
One of the best parts of this card is that you get expanded Savor Award availability on United flights which is a super benefit. You will get access to a certain amount of Savor Award seats available only to United cardholders. It’s hard enough to find award availability so anything to expand the award availability is super valuable. By being a cardholder you will also get a bit of a priority to get upgraded to first or business class upon availability (this is only for United MileagePlus Premier members). Plus, you will get your first and second checked bags free for you and one companion on United Airlines. Plus a free carry-on bag even on basic economy tickets. The $250 annual fee is somewhat justified once you get your $125 back on United purchases every card anniversary year and save some baggage fees.
- Credit: Good credit needed (you will probably need at least one credit card open for more than a year)
- Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
- Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
- Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card.
- Credit bureau: Chase Bank will usually pull your Experian credit report
- Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined.
- Check application status: You can check your application status at Chase.com / Customer Center / Check my app status or call 1 888 338 2586
- Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).
- Downgrade options: The Chase United Quest card can be downgraded to the Chase United Gateway ($0). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $5,000-$21,300
Avg. Credit limit$14,290
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
Starting after your first year anniversary, you will receive up to 10,000 bonus points after redeeming United points for a United award flight (max 2 timer per cardmember anniversary year).
Worldwide primary coverage on rentals (for N.Y. residents, insurance is secondary). Coverage is for rentals up to 31 days.
Receive up to $125 back on United purchases each card anniversary year.
Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less).
Starting after your first year anniversary you will receive 5,000 bonus points after redeeming United points for a United award flight (max 2 timer per cardmember anniversary year). Expanded Award Availability on United flights when booking award flights.
No foreign transaction fee.
First and second checked bags free for you and one companion on United flights. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.
Get up to a $120 statement credit for Global Entry, TSA Precheck or NEXUS every 4 years.
Receive 25% back (statement credit) on United for inflight purchases of Wifi, food and drinks.
Get up to $3,000 per person for lost or damaged luggage.
If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Get complimentary priority boarding on United flights.
Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per item.
Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $1,500 per passenger and $6,000 per trip for non-refundable flight tickets.
If your flight is delayed for 12+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.
Get boosted to a higher status faster! Earn 500 PQP after spending $4,000 within the first 3 months (earn up to 6,000 PQP per calendar year excluding the promotional 500 PQP).
The points can be used at approximately 1 penny per point to book award flights with one of the following United airline partners:
- United Airlines
- Aegean Airlines
- Air Canada
- Air China
- Air India
- Air New Zealand
- All Nippon Airways (ANA)
- Austrian Airlines
- Avianca
- Brussels Airlines
- Copa Airlines
- Croatia Airlines
- EgyptAir
- Ethiopian Airlines
- EVA Air
- LOT Polish Airlines
- Lufthansa
- Scandinavian Airlines (SAS)
- Shenzhen Airlines
- Singapore Airlines
- South African Airways
- Swiss Airlines
- TAP Portugal
- Thai Airways
You can book award flights using your United miles with United Airlines and its partners here.
You can also PayYourselfBack by paying for the annual fee on your card and offsetting the fee with points. You can get 1.6 cents per point.
United has switched to dynamic pricing almost entirely, but this “almost” thingy means there are still some remnants of normal values United once maintained in its award chart. You can still find some saver awards (which are very mediocre, at best), but the only way to find these awards is to look for your dates and destination. Fortunately, you can still see monthly calendars if you’re flexible with your dates.
Here’s why United MileagePlus is still relevant:
- You most probably have some United miles in your coffers
- United miles don’t expire
- United elite members and credit card holders have access to better Saver award space
- The United award search engine interface is easy to use
- United has a huge number of partners, which makes it easier to find Saver availability
- There are no fuel surcharges ever
- United offers a free stopover on a round-trip award ticket (Excursionist Perk)
