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United QuestSM Card

TravelAirlineHotelDiningNo Foreign Transaction FeesIntro Offer

Key Features

Annual Fee$350.00
Regular APR
19.74%–28.24% variable APR.
NetworkVisa
Read the full review
Best for those with
Good Credit

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.

3.6
Overall Rating

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

Ratings

4.6
4.3
4.1
1.5
2.3