Rewards & next steps

How to Apply for the United Quest Card

★Here's how to get the most from this card. Follow the steps below, then apply on the issuer's official site.

Applying for the United Quest Card follows the same basic process as most Chase co-branded credit cards: an online application, a credit and identity check, and — for many applicants — an instant or near-instant decision. Below is a general walkthrough of what to expect, along with a few things worth checking before you submit anything.

Because welcome offers and terms on this card have changed more than once over the past year, it's worth pulling up the current live offer on Chase's own application page immediately before applying, rather than relying on a bonus amount you saw in an older article or ad.

Step by step

1. Check the current offer and terms: Visit Chase's official United Quest Card page and confirm the live welcome bonus, annual fee, and any limited-time promotions before starting your application, since these details can change without much notice.
2. Review Chase's eligibility rules: Chase applies its own internal application rules to many of its cards, including limits on how often you can earn a new welcome bonus on the same card and restrictions tied to how many new Chase cards you've recently opened. Review these rules so you know your standing before applying.
3. Gather your information: Have your Social Security number, income details, housing/rent payment, and employment information ready — Chase's online application typically asks for all of this to run a credit check and make a decision.
4. Submit the application and await a decision: Many applicants receive an instant decision online; others are routed to a manual review that can take several business days. If you're not instantly approved, you may be able to call Chase's reconsideration line to provide more context.
5. Meet the minimum spend to unlock the bonus: If approved, track your spending against the welcome offer's minimum spend requirement and deadline (commonly a set amount within the first three months) so you don't miss out on the bonus miles and PQP.

Tips & mistakes to avoid

• Check your credit report and score before applying, and avoid submitting multiple new credit applications in a short window, since that can hurt approval odds on cards like this one that skew toward good-to-excellent credit.
• If you already hold Chase credit cards, be aware Chase limits how many new personal cards it will approve within a rolling period and restricts repeat welcome bonuses on the same card — check your own history before applying.
• Plan your first few months of spending around the minimum spend requirement so you comfortably clear it without overspending just to chase the bonus.
• Set a calendar reminder for your account anniversary so you actually redeem the annual United travel credit and other time-sensitive perks each year — unused credits are the most common way cardholders lose value on this card.

FAQ

Will applying for the United Quest Card hurt my credit score?

Yes, a small, temporary impact is typical. Chase performs a hard inquiry when you apply, which can cause a minor, short-lived dip in your credit score, separate from any longer-term effect of opening a new account.

Can I get an instant decision when I apply?

Many applicants do receive an instant online decision, but Chase sometimes routes applications to manual review, which can take several business days and may require additional verification before a final decision is issued.

Can I product-change into the United Quest Card from another United card?

Chase sometimes allows existing United cardholders to upgrade or change products, but availability depends on your account and Chase's current policies. Confirm directly with Chase whether a product change is offered on your account rather than assuming it applies to everyone.

Advertiser disclosure: general information only, not financial advice. We are an independent publisher, not a card issuer or lender. Confirm current terms on the issuer's official site.