Yeah, with the new 90k offer, it could be worthwhile but I would end up paying more since Explorer is 0 first year and $95 after that whereas Quest is always $250. The signup bonus would make it negligible but I believe Quest gives statement credit of $125 per year so there is still a $30 difference which could be made up for with anniversary award flights maybe.
Is the underwriting any different? For me, for all practical purposes it doesn't really matter which one I get cause I can PC in the future.
That's true, I just need to wait for the card to report its new CL at the end of the month. By then I'll be at 6/24 though but I'm not sure how tight 5/24 is for the cobranded cards.
If you are under 5/24 and you have over a year of credit history, you can apply without a problem (not saying that you'll get approved but those two are immediate denials).
If you only want the card for free checked luggage and travel a lot, I see the benefit on getting it.
United devalued their miles. What would have taken 35k to travel to a destination, is now 40/45k one way so I would take that into consideration.
Thanks for letting me know @Lostinthegame . I won't be under 5/24 till next year but I now have a year of credit history so I may be risking an INQ but that's okay. Yeah I'm mostly just using it for the free checked bags since I do at least 4 round trip flights with United a year. 1 International and 3 short haul domestic flights. Even if the miles are devalued, it'll be fine for a domestic flight.