United Quest Card
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United Quest Card

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Purchase APR  (Variable APR) 18.74% - 25.74%
Balance Transfer APR  (Variable APR) 18.74% - 25.74%
Credit Score Range Starting at 670
Annual Fee $250

United Quest Card Review

This is a credit card issued by Chase Bank. If you're wondering whether United Quest Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Signup bonus. Offers a signup bonus of 70000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 25.74%.
  • 5% Balance transfer fee. United Quest Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of United Quest Card

The Good The Bad
  • Multiple credit card perks.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee of $250
  • Does not offer rewards or cash back.
  • Does not report to credit bureaus.
  • Charges a 5% balance transfer fee.

United Quest Card FAQ

Does United Quest Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the United Quest Card benefits?

It provides the following benefits:

  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance

What are the relevant APRs for United Quest Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

United Quest Card has a variable purchase APR that ranges from 18.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 25.74%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does United Quest Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does United Quest Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for United Quest Card?

The following fees apply:

United Quest Card Fees
Fees Amount
Annual Fee $250
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does United Quest Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for United Quest Card?

The United Quest Card customer service number is (877) 242-7372.

What is the support contact email for United Quest Card?

The support contact email for United Quest Card is

What is the United Quest Card login page?

You can access the United Quest Card login page here.

How do people rate the customer service and user experience of United Quest Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for United Quest Card

  • Visit the United Quest Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

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  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Annual Fee $250
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 -
Credit Card Benefits
  • Purchase Protection
  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance
Annual Loyalty Bonus $125
Rewards Categories
  • 2x Miles on Travel
  • 2x Miles on Airfare
  • 2x Miles on Car Rentals
  • 2x Miles on Hotels
  • 2x Miles on Restaurants
  • 3x Miles on Every Purchase
Signup Bonus (points) 70,000
Cash Advance APR (Variable APR) 27.24%
Balance Computation daily balance method (including new transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 25.74%
Balance Transfer APR (Variable APR) 18.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Airline
Card Network Visa

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