Chase
United QuestSM Card
Key Features
| Annual Fee | $350.00 |
| Sign-up Bonus | Up to 70,000 bonus miles |
| Rewards Rate | 1x-10x miles |
| Regular APR | 19.74%–28.24% 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, especially on travel and dining
- No foreign transaction fees
- Significant annual travel and statement credits
- Valuable airline-specific perks and status earning potential
- Comprehensive travel and purchase protection
Things to consider
- High annual fee
- No intro APR period
- High regular APR
- Rewards are primarily tied to a single airline
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
- 10x total miles on eligible United flights
- 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.
- 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 Quest Card, up to 18,000 PQP per year.
- Over $850 in annual partner credits.
- $200 United travel credit - Receive after account opening and on each account anniversary, which you can use to book a future United - or United Express - operated flight.
- Up to $150 in credits annually - Receive on prepaid hotel stays purchased directly through Renowned Hotels and Resorts for United Cardmembers with your United Quest Card.
- Up to $100 in credits each calendar year - Enroll to receive on rideshare purchases when paying with your United Quest Card.
- Up to $80 in United travel credits annually - Receive when you book Avis or Budget car rentals directly through cars.united.com and pay with your United Quest Card.
- Up to $180 Instacart credits each calendar year - Receive for purchases made directly through Instacart with your United Quest Card. Terms apply.
- Up to $150 in credits on JSX purchases annually - Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest Card.
- 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.
- Renowned Hotels and Resorts for United Cardmembers benefits including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and a room upgrade and early check-in/late check-out, if available, when you book through Renowned Hotels and Resorts for United Cardmembers.
- United Card Events from Chase and United MileagePlus Exclusive Events.
- Contactless - Just Tap To Pay.
- Trip Cancellation and Interruption Insurance - You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Baggage Delay Insurance - Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement - Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Visa Concierge - Get complimentary Visa Signature Concierge Service 24 hours a day.
- Trip Delay Reimbursement - If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
- Auto Rental Coverage - Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Purchase Protection - Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection - Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- 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.
- Chase Pay Over Time - After purchase: Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time - At checkout: Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
- Refer Friends if you already have a United Quest Card - Earn up to 100K bonus miles per year. You can earn 10,000 bonus miles for each friend that gets approved for any United MileagePlus Card.
Additional Notes
This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

