Chase
United QuestSM Card
Key Features
| Annual Fee | $350.00 |
| Regular APR | 19.74%–28.24% variable APR. |
| Network | Visa |
About this card
Considering the individual ratings and reputation analysis, the United Quest Card receives an overall rating of 3.6 out of 5. The high APR (1.5/5.0) and significant annual fee (2.3/5.0) are notable drawbacks, but the strong rewards program (4.3/5.0) and very positive reputation (4.5/5.0) significantly boost the overall score. The card is particularly well-suited for frequent United flyers who can leverage the travel credit, free checked bags, and other airline-specific benefits to offset the annual fee. The positive user sentiment and expert reviews highlight the card's value proposition for its target audience. While the APR is a concern, the overall cost vs. benefits ratio is favorable for loyal United customers, making it a good choice for those who can maximize its perks.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Luxury perks
- No foreign transaction fees
- Travel credits and discounts
Things to consider
- High regular APR
- Annual fee
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
- 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.
- NEW! Save at least 10% when booking flights with miles.
- 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.
- 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
- 25% back on United inflight and Club premium drink purchases
- Premier upgrades on award tickets
- No foreign transaction fees
- Visa Concierge: Get complimentary Visa Signature Concierge Service 24 hours a day.
- 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.
- 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.
- Contactless - Just Tap To Pay
- Apply for a card, use it the same day
- 3-Month Complimentary Instacart+ Membership
Additional Notes
LIMITED-TIME OFFER

