Chase UA Quest Credit Card: Earn 70k Bonus Miles
Key Features
- 70k Welcome Bonus: Earn 70,000 United Airlines (UA) Miles and 500 Premier qualifying points after spending $4,000 in the first 3 months. While the highest recent offer was 90k, this bonus remains very attractive.
- Miles Valuation: UA Miles are valued around 1.5 cents per mile, making the 90k bonus worth approximately $1,350. For more details on using UA miles, refer to the "Complete Guide to UA Miles."
- Earning Miles: Receive 3x UA Miles on UA purchases, 2x UA Miles on travel, dining, and streaming services, and 1x Mile on all other purchases.
- Annual Bonuses: Starting from the second year, receive two 5,000-mile Award Flight Credits each membership year. These credits apply automatically when booking UA award tickets that include at least one UA-operated segment, and the cardholder must be one of the travelers. These credits expire after 12 months if not used.
- United Credit: Annually, receive $125 in United Credit that can be used for UA tickets, taxes, in-flight purchases, and more. Note: This credit does not earn UA Miles.
- Baggage and Boarding: Get your first and second checked bags free on UA-operated flights when the ticket is purchased with this card or using miles. Enjoy Group 2 priority boarding on UA flights under the same conditions.
- In-Flight Benefits: Receive 25% back on in-flight purchases.
- Mileage Plus X (MPX): Earn an additional 25% UA Miles on purchases made through the MPX app.
- Exclusive Access: Access extra economy XN fare seats when searching for UA award tickets.
- Global Entry/TSA Pre✓® Fee Credit: Up to $100 credit towards Global Entry or TSA Pre✓® application fees.
- Point Redemptions: UA Miles can offset the annual fee at a rate of 1.60 cents per point.
- Travel Perks: Includes primary car rental insurance and no foreign transaction fees.
Downsides
- Annual Fee: $250, not waived for the first year.
Application Tips
- 5/24 Rule: Chase’s 5/24 policy restricts approval if you have opened 5 or more new credit card accounts in the past 24 months. For strategies to bypass this rule, refer to the "Chase 5/24 Rule Explained."
- Eligibility: You are ineligible for the welcome bonus if you currently hold this card or have received the welcome bonus in the past 24 months. Note that this period starts from the time you received the bonus, not when the account was opened or closed.
- Application Timing: Avoid applying for more than two Chase cards within 30 days to increase approval chances. It is advisable to apply after having at least one year of credit history.
Summary
The Chase UA Quest Credit Card offers a strong welcome bonus and valuable UA-specific perks, making it worth considering for frequent UA flyers. The $125 United Credit and two 5,000-mile Award Flight Credits can offset the $250 annual fee, especially if you regularly fly with UA. If not, it may be more practical to downgrade to the no-annual-fee Chase UA Gateway card before the annual fee is due.
Related Cards
- Chase United Gateway
- Chase United Explorer
- Chase United Business
- Chase United Quest
- Chase United Club
- Chase United Club Business
Post-Application Steps
- Application Status: Check your application status by calling 800-436-7927. The automated responses typically indicate the likelihood of approval:
- "Receive decision in 2 weeks": Likely approval
- "Receive decision in 7-10 days": Likely denial
- "Receive decision in 30 days": Further review needed
- Reconsideration: If not approved immediately, call Chase reconsideration at 888-270-2127 or 888-609-7805. Be prepared to provide personal information for further review. The representative may request additional documentation, which can be submitted online or in-branch.
