Chase
United QuestSM Card
Key Features
| Annual Fee | $350.00 |
| Sign-up Bonus | Up to 80,000 miles + 500 PQP |
| Rewards Rate | 1x-10x Miles on purchases |
| Regular APR | 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% variable APR. |
| Network | Visa |
About this card
The United QuestSM Card earns an overall rating of 4.0 out of 5.0, placing it squarely in the 'Excellent' category. This assessment is primarily driven by its exceptionally strong rewards program (4.8/5.0), a fee structure that, despite its high annual cost, delivers substantial net value through numerous credits and perks (4.2/5.0), and an excellent market reputation (4.6/5.0). The card is specifically designed for frequent United Airlines flyers, and for this target audience, its array of benefits can easily offset and often surpass the $350 annual fee, providing a compelling value proposition. While the APR is a significant drawback at 19.74%-28.24% variable with no introductory offer (1.5/5.0), this is a minor weakness for the card's intended users who typically pay their balances in full to maximize rewards and avoid interest. For United loyalists, the card's ability to enhance their travel experience, reduce costs, and accelerate status earning makes it a top-tier choice.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Extensive airline-specific benefits
- Valuable statement credits
- Travel and purchase protections
Things to consider
- High annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying activities.
- Earn 60,000 bonus miles + 500 PQP after you spend $4,000 on purchases in the first 3 months your account is open.
- Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Rewards
- NEW! 10x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 4x miles on entire United purchase with United Quest Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more.
- NEW! 4x miles on all other eligible United purchases
- 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United® Cardmembers.
- 2x miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
- 2x miles on dining including eligible delivery services.
- 2x miles on select streaming services.
- 1x mile on all other purchases.
Other features
- $200 United travel credit, annual 10,000-mile award flight discount, 2 free checked bags, and priority boarding.
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Starting with your first anniversary and every anniversary thereafter, you'll get a 10,000-mile discount to use toward an eligible award flight.
- Earn a 10,000-mile award flight discount after spending $20,000 each calendar year to use toward an eligible award flight.
- Free first and second checked bags - the primary Cardmember and one companion can each check a first and second standard bags for free - save up to $440 per roundtrip.
- Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year.
- Get a jump start on earning Premier status with 1,000 Card Bonus Premier qualifying points (PQP) each year.
- Earn 1 Premier® qualifying point (PQP) for every $20 spent on purchases with your QuestSM Card, up to 18,000 PQP per year.
- $200 annual United travel credit: Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary, for a future United- or United Express- operated flight.
- Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers.
- Up to $100 in credits on rideshare purchases annually.
- Up to $80 in United travel credits on Avis or Budget purchases.
- Up to $180 in Instacart credits.
- Up to $150 in credits on JSX purchases annually.
- Priority boarding.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit.
- 25% back on United inflight and Club premium drink purchases.
- Premier upgrades on award tickets.
- No foreign transaction fees.
- Visa Concierge.
- Trip Cancellation and Interruption Insurance.
- Baggage Delay Insurance.
- Lost Luggage Reimbursement.
- Trip Delay Reimbursement.
- Auto Rental Coverage.
- Purchase Protection.
- Extended Warranty Protection.
- Contactless - Just Tap To Pay.
- Apply for a card, use it the same day: Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- 3-Month Complimentary Instacart+ Membership.