Our illustration in the card’s colours, not its design
Chase credit card
United Quest Card
- Bonus up · 70,000 to 90,000 · Oct 2, 2026
- APR up · 19.74% to 19.99% · Oct 2, 2026
$350 a year. 90,000 United MileagePlus miles after you spend $4,000 in 3 months. Purchase APR 19.99–28.49%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn up to 90,000 bonus miles + 500 Premier qualifying points (PQP)”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“$350 †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“19.99%– 28.49% variable APR. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
90,000 miles
After you spend $4,000 on purchases in your first 3 months.
- Spending it takes
- $1,333 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
The 500 PQP are in addition to PQP earned from card purchases. The authorized-user bonus is awarded once for the first authorized user added. Bonus miles do not count toward Premier status.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$220 | −$220 | |
| Typical spender | $905 | $5 | |
| Heavy spender | $1,715 | $815 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months; not counted: 5x 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers.
−$220a year
The same in the first year and after.
Rewards and credits$130
−$220 after the fee−$350 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.
$5a year
$905 the first year, with the welcome bonus.
Rewards and credits$355
You keep $5−$350 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$815a year
$1,715 the first year, with the welcome bonus.
Rewards and credits$1,165
You keep $815−$350 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 60% of the 732 cards we track.
- Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).
Other miles cards with fees over $300
- Capital One Venture X BusinessCapital One · $395 a year+$255 a year
- Capital One Venture X RewardsCapital One · $395 a year+$200 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year+$55 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
United MileagePlus
How you earn
- 10×
- 10x total miles on eligible United flights
- 5×
- 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers
- 4×
- 4x miles on all other eligible United purchases
- 2×
- 2x miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls2x miles on dining including eligible delivery services2x miles on select streaming services
- 1×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- United TravelBank cash: $200 annual
- Renowned Hotels and Resorts statement credit: $150 annual
- Rideshare statement credit: $8 monthly
- Rideshare statement credit: $12 other
- Avis or Budget TravelBank cash: $40 other
All 16 benefits
- Instacart credit: $10 monthly
- Instacart credit: $5 monthly
- JSX statement credit: $150 annual
- Global Entry, TSA PreCheck or NEXUS application fee statement credit: $120 every 4 years
- Trip cancellation: Up to $1,500 per covered traveler and $6,000 per trip
- Baggage: Up to $100 per day for up to 3 days
- Baggage: Up to $3,000 per covered traveler
- Trip delay: Up to $500 per covered traveler
- Rental car: Up to $60,000
- Purchase protection: Up to $10,000 per item
- Extended warranty: Up to four years from the date of purchase
Changes
- Oct 2, 2026 Bonus 70,000 to 90,000
- Oct 2, 2026 APR 19.74% to 19.99%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “$350 †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $10 or 5% of the amount of each transaction, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · sites.chase.com “Up to $40 .” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · sites.chase.com “Up to $40 .” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $350 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 11, 2026
- What is the purchase APR?
- 19.99–28.49% APR · chase.com, since Oct 2, 2026
- Is there a welcome bonus?
- 90,000 United MileagePlus miles after $4,000 in purchases in 3 months. · chase.com, since Oct 2, 2026