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United QuestSM Card
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Chase

United QuestSM Card

TravelLuxuryDiningHotelAirlineIntro OfferNo Foreign Transaction Fees

Key Features

Annual Fee$350.00
Sign-up BonusUp to 100,000 bonus miles
Rewards Rate1x-10x miles on purchases
Regular APR
19.74%–28.24% variable APR.
NetworkVisa
Read the full review
Best for those with
Very Good Credit

About this card

The United QuestSM Card earns an overall rating of 4.0 out of 5.0, placing it in the 'Excellent' category. This assessment is driven by its exceptionally strong rewards program (4.5/5.0), a fee structure that, despite its high annual cost, delivers substantial net value for its target audience (4.2/5.0), and a very positive market reputation (4.6/5.0). The card is specifically designed for frequent United Airlines flyers, for whom its array of benefits can easily offset and often surpass the $350 annual fee. While the APR is a significant drawback at 19.74%-28.24% (1.5/5.0) and lacks an introductory offer, this is a minor weakness for the card's intended users who typically pay their balances in full to maximize rewards. For this specific demographic, the card presents a compelling value proposition, making it a top-tier choice.

4.0
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate on travel, dining, and streaming
  • No foreign transaction fees
  • Extensive travel benefits and statement credits
  • Opportunity to earn airline elite status
  • Valuable travel and purchase protections

Things to consider

  • High annual fee
  • No introductory APR period
  • High regular APR

What this card offers

Sign-up bonuses

  • Earn up to 100,000 bonus miles + 3,000 Premier qualifying points (PQP) after qualifying activities.
  • Earn 90,000 bonus miles + 3,000 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 the United Quest Card. Mileage earning differs for Basic Economy 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 at least 10% when booking flights with miles. Premier members earn 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 $360 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. Your Card Bonus PQP will be awarded each year within 8 weeks of February 1, starting in the calendar year following your account open date.
  • Earn 1 Premier® qualifying point (PQP) for every $20 spent on purchases with your QuestSM Card, up to 18,000 PQP per year.
  • $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 QuestSM Card.
  • Up to $100 in credits each calendar year - Enroll to receive on rideshare purchases when paying with your United QuestSM 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 QuestSM Card.
  • Up to $180 Instacart credits each calendar year - Receive for purchases made directly through Instacart with your United QuestSM Card. Terms apply.
  • Up to $150 in credits annually - Receive on flights purchased directly through JSX with your United QuestSM Card
  • Priority boarding
  • Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit - Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
  • 25% back on United inflight and Club premium drink purchases - You'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Quest Card.
  • Premier upgrades on award tickets - The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
  • No foreign transaction fees - Purchases made with your Quest Card outside the U.S. will not be subject to foreign transaction fees.
  • Renowned Hotels and Resorts for United® Cardmembers - Experience an exclusive suite of 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 - Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences.
  • Contactless - Just Tap To Pay - For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
  • 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. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
  • 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 - Decline the rental company's collision insurance and charge the entire rental cost to your card. 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 - Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 50% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
  • Chase Pay Over Time - After purchase (formerly My Chase Plan): 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: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

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.

Ratings

4.6
4.5
4.9
1.5
4.2