$350
N/A
20.49% - 28.99% Variable
Earn 90,000 bonus miles and 500 Premier Qualifying Points
Good to Excellent
- Substantial intro bonus offer
- A free first and second checked bag
- $200 United® travel credit can offset part of the annual fee
- 10,000-mile award flight credit can help you stretch your United miles
- High annual fee
- Card doesn’t offer United Club lounge access or passes
If you fly United Airlines, even just a couple of times a year, the United Quest℠ Card should be on your radar. It comes with unique perks that can save you big time when you travel — such as two free checked bags when flying on United, $200 United® travel credit, and more.
- Debut Offer: Earn 90,000 bonus miles and 500 PQP
- 3x miles on United® purchases
- 2x miles on all other travel, dining, and select streaming services
- 1x mile on all other purchases
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary (terms apply)
- Earn a 10,000-mile award flight discount after spending $20,000 each calendar year
- 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 PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
- Member FDIC
United Quest Card Overview
The United Quest℠ Card charges an annual fee of $350, which is steep compared to other airline cards. But if you can use the card's benefits, you can make up for the annual fee and then some. For example, cardholders receive:
- Up to $200 in annual statement credits toward United purchases (like airfare and incidental fees)
- A free first and second checked bag for yourself and a companion when you use the card to pay for your ticket (worth $35 and $45 respectively)
- Up to $120 credit every four years toward the Global Entry, TSA PreCheck®, or NEXUS application fee
You'll also earn bonus miles in categories like travel, dining, and streaming services, and receive other valuable travel and purchase protections, including primary car rental insurance, trip interruption/cancellation insurance, trip delay protection, lost luggage reimbursement, and extended warranty.
Before you decide on the United Quest℠ Card, be sure to have a look at other United credit cards like The New United℠ Explorer Card (annual fee of $0 intro for the first year, then $150) and The New United Club℠ Card ($695 annual fee) to see if their benefits and perks are a better fit for your wallet.
Rewards
Welcome bonus offer
The United Quest℠ Card is offering a bonus of 90,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is open. According to Business Insider's points and miles valuations, that's worth around $1,170 in travel.
Because United miles never expire, you can give your balance a big boost with the welcome bonus so you'll have plenty of miles to work with when you're ready to travel again. And the extra PQP (Premier Qualifying Points) from the welcome bonus can help you reach the next level of elite status.
Earning miles
The United Quest℠ Card makes it easy to earn lots of United miles, even if you're not a frequent traveler.
Cardholders earn:
- 3 miles per dollar on eligible United purchases (after earning the $200 United credit) — including airline tickets purchased from United, United seat upgrades, Economy Plus, inflight food, beverages, and Wi-Fi, baggage service charges, other United fees, and United Card Events from Chase
- 2 miles per dollar on travel (including airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages)
- 2 miles per dollar on dining (including eligible delivery services)
- 2 miles per dollar on select streaming services (Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, HBO Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV, and Vudu)
- 1 mile per dollar on everything else
Using miles
You can redeem United miles for award flights on United Airlines or its partners, including Star Alliance airlines like Air Canada, Lufthansa, and Singapore Airlines. Because United no longer has an award chart, the number of miles required for a flight varies based on demand, paid ticket price, and season. United recently increased award flight prices to Europe, but other routes haven't been affected as yet.
One-way domestic economy award tickets start at 5,000 miles, but can range up to over 30,000 miles. You can find saver business or first-class awards within the US for as few as 25,000 miles, but also as high as over 60,000 miles. From the U.S. to other regions, expect to pay significantly more. For example, flights to Europe tend to start at 40,000 miles in economy and 80,000 miles in business class.
If you have no upcoming travel plans, there's no rush to spend your miles because United miles don't expire. However, you've got other redemption options, but you'll typically get a much lower value:
- Seat upgrades
- United Club memberships
- Inflight Wi-Fi passes
- TSA PreCheck® application fees
- Merchandise
- Gift cards
- Experiences
- Hotels and cruises
- Charitable donations
United Quest Card Benefits
The United Quest℠ Card offers a substantial — and potentially quite valuable — list of benefits. Perks on United flights can save you money and make your travel more comfortable, and protections like trip delay insurance and primary car rental insurance can give you peace of mind (and keep cash in your wallet) when you're on the road.
$200 United purchase credit
The New United Quest℠ Card cardholders receive up to $200 a year in statement credits toward eligible United purchases, so if you fly United even once a year, you should be able to maximize this perk. Purchases that qualify include:
- Airline tickets purchased from United
- Seat upgrades
- Economy Plus
- Inflight food, beverages, and Wi-Fi
- Baggage fees
- Other United fees
- United Card Events from Chase purchases
However, United tickets booked through some discount travel websites or as part of a third-party travel package won't qualify, nor will United Cruises, United MileagePlus X, DIRECTV, and merchandise awards.
Free first and second checked bag
With the The New United Quest℠ Card, cardholders and one companion on the same reservation can get a free first and second checked bag on United flights when they use the card to pay for their ticket (or taxes and fees on an award ticket).
10,000-mile award ticket credit
Each card anniversary, United Quest℠ Card cardholders can take advantage of a 10,000-mile credit each year when they redeem United miles for an award ticket. These credits will be credited (for future application) to your account approximately four weeks after your card anniversary.
Eligible award flights are those that include at least one United- or United Express-operated flight, and must include the primary cardholder on the reservation. Unused credits will expire 12 months after issue, and you can't transfer, combine, or extend them.
Global Entry, TSA PreCheck, or NEXUS credit
Cardholders can receive up to $120 credit for the NEXUS, Global Entry, or TSA PreCheck® application fee every four years. This is a perk many cards offer nowadays, so if you've already enrolled in one of these programs, you can always use your card to pay a friend or family member's fee and still get the credit.
Complimentary Premier Upgrades
United Premier members who have the United Quest℠ Card and are traveling on an award ticket are eligible for complimentary Premier Upgrades on eligible domestic United-operated flights. This perk is for the primary cardholder only; travel companions or authorized users don't qualify.
Premier Qualifying Points (PQP)
Cardholders receive 1 Premier Qualifying Points (PQP) for every $20 spent on purchases with the card, up to 18,000 PQP per calendar year. This is handy if you're working toward the next level of elite status and need a boost.
Expanded United award availability
As with other Chase United credit cards, United Quest℠ Card cardholders get expanded United award availability, which means you'll have access to more available award seats — with no blackout dates — compared to non-cardholders. This benefit can be a lifesaver if you're flying at short notice or on high-demand routes or dates.
Priority boarding
Getting to board the airplane sooner has become even more important these days, especially if you want to sanitize your seat area and have time to get settled in. If you have the United Quest℠ Card, you'll get priority boarding for yourself and your companions on the same reservation.
This means you'll board before general boarding is called, but after MileagePlus Premier members, customers with Premier Access, and travelers requiring special assistance.
25% back on inflight purchases
When you use your card to pay for eligible inflight purchases, you'll get 25% back in the form of a statement credit. Qualifying purchases include food, beverages, and Wi-Fi onboard United- and United Express-operated flights, and the credit should appear on your statement within 24 hours of the purchase posting to your account. Authorized users get this benefit, too.
Primary car rental insurance
The United Quest℠ Card is one of only a handful of cards that offer primary car rental insurance, which means you're covered for losses without having to bill your own insurance first.
When you use the card to pay for your rental and decline the rental company's collision damage waiver, you're covered for damage due to collision or theft up to the actual value of the vehicle for most car rentals in the US and abroad. Be sure to read the terms and conditions that come with the card for any exclusions.
Trip cancellation/interruption insurance
If you use the card to pay for pre-paid, non-refundable passenger fares and have to cancel or cut your trip short, you can be reimbursed up to $1,500 per person and up to $6,000 per trip. Covered situations include sickness and severe weather, but check the terms and conditions for limitations.
Trip delay reimbursement
If your flight or other travel on a common carrier is delayed by 12 hours or more, or requires an overnight stay, trip delay insurance can cover you and your family for up to $500 per ticket for unreimbursed expenses, like meals and accommodations.
Baggage delay insurance
If your bag is delayed by a common carrier (like the airline) by six hours or more, you can get reimbursement for essential purchases like toiletries and clothing, up to $100 a day for up to three days.
Lost luggage reimbursement
Having the airline lose or damage your bag is the worst, but if you used the United Quest℠ Card to pay for your ticket, you and your immediate family members could be covered for up to $3,000 per passenger.
Travel accident insurance
Nobody wants to think about the worst happening on vacation, but when you pay for your air, bus, train, or cruise transportation with your United Quest℠ Card, you're eligible for accidental death or dismemberment coverage of up to $500,000.
Purchase protection
If you use your United Quest℠ Card to pay for a new, eligible purchase, purchase protection could cover you for up to 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Extended warranty protection
The United Quest℠ Card extends the US original manufacturer's warranty on eligible items by a year, on warranties of three years or less. This can save you from having to pay for an expensive extended warranty on big-ticket items.
Chase Luxury Hotel & Resort Collection
United Quest℠ Card cardholders get access to the Chase Luxury Hotel & Resort Collection — a selection of upscale hotels which offer elite-like perks when you book through the program.
You'll get benefits like complimentary breakfast, unique benefits or credits (specific to each property, room upgrades, and other goodies like early check-in and late checkout (when available). It's important to compare rates and perks through the Chase Luxury Hotel & Resort Collection to booking with the hotel directly; sometimes, you'll pay more through Chase and the benefits won't outweigh the additional cost.
DoorDash DashPass benefit
Chase added a year of free DashPass membership to just about every one of its co-branded cards, including the United Quest℠ Card. Activation is required by December 31, 2024.
DashPass membership gets you free delivery and reduced service fees on orders of $12 or more, so this perk can save you money if you order from DoorDash frequently. After 12 months of complimentary membership, you'll be auto-enrolled for a monthly membership at full price (currently $9.99 a month) unless you cancel.
United Quest Card Annual Fee and Other Costs
With a $350 annual fee, the United Quest℠ Card isn't for everyone, but again — if you can make the most of the card's benefits — it can be well worth it for United flyers. It doesn't add foreign transaction fees, so it's a good card to use for international purchases.
Like most other cards, you'll pay interest (currently a 20.49% - 28.99% Variable APR) if you don't pay your balance in full each month. There are also fees in certain instances, including:
- Cash advance fees
- Balance transfer fees
- Late payment fees
- Returned payment fees
Compare the United Quest Card
United Quest Card Frequently Asked Questions
What credit score do you need for the United Quest Card?
You need a credit score that is at least "good" to be approved for the United Quest℠ Card. That means a FICO score of at least 670.
Does the United Quest Card have airport lounge access?
No, the United Quest℠ Card doesn't have airport lounge access. If you're looking to enjoy airport lounges, the United Club Card comes with a United Club membership. Or, if you don't fly often, The New United℠ Explorer Card might suffice with two free single-visit passes to United Club lounges each year which can be redeemed when a cardholder or authorized user is present.
Is the United Quest Card worth it?
The United Quest℠ Card is worth it if you travel with United at least a couple of times per year. The free checked bag perk and the $125 annual United credit are both easy to use if you take at least one paid United flight each year. That said, other cards could be a better fit. The United Explorer Card, for instance, has a much lower annual fee and still comes with a free checked bag, priority boarding, and two United Club lounge passes per year.
Is the United Quest Card metal?
No, the United Quest℠ Card isn't a metal card. It's made of plastic and is a deep metallic purple color.
Why You Should Trust Us: How We Reviewed the United Quest Card
The credit cards team at Business Insider takes a look at many features when rating each credit card product. We evaluated the United Quest℠ Card by pitting its key attributes against other airline credit cards to compare:
- Ease of use — Are the card's rewards easy to earn and use? Are there multiple options for redeeming miles?
- Earning potential — Is the card's rewards rate competitive compared to similar airline credit cards? If there are bonus categories, are they good for everyday purchases, and are any of them capped at a maximum amount of spending?
- Benefits — Airline credit cards usually offer perks like free checked bags, priority boarding, travel insurance, and various airport benefits such as lounge access or an expedited security checkpoint experience.
- Annual fee — Are the card's benefits worth its yearly fee?
Read more about Business Insider's methodology in our guide to how we rate credit cards.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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