Key facts
The United Quest Card is the goldilocks card in United’s co-brand lineup, ideal for the United flyer who doesn’t need airport lounge access.
Annual Fee:
$350Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
20.49%-28.99% VariableBalance transfer fees
Either $5 or 5% of the amount of each transfer, whichever is greater.Foreign Transaction Fee:
0%The United Quest’s many airline-specific perks make it easy to recoup the $250 annual fee. Those perks includes a $125 annual United purchase credit and up to 10,000 United miles back on award flights each year, among others.
However, there’s just one catch: You need to fly United at least several times per year to really make the card worth it. If that’s you, the United Quest Card is a slam dunk.
Reward multipliers
In addition to the sign-up bonus earned after account opening, the United Quest Card earns:
- 3X miles on United purchases like airline tickets (after earning the $125 United credit).
- 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 miles on all other eligible purchases.
Earns bonus points for spend in the following bonus categories:
Estimated Rewards Value: 3.6%
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 1.2%
Key features
Unique Card Benefits
1,000 Card Bonus PQP each qualification year, starting in 2026
Get a jump start on earning Premier status with 1,000 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Quest Card must be open as of December 31 of the prior year and must
be open when PQP are applied.
Earn up to 18,000 Premier® qualifying points (PQP)
You’ll earn 1 PQP for every $20 you spend on purchases with your Quest℠ Card, up to 18,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
10,000 Mile Anniversary Award Flight Credit
Starting with your first anniversary and every anniversary thereafter, you’ll get a 10,000-mile discount to use toward an eligible award flight.
25% Back on United inflight and Club Premium Drink Purchases
Receive 25% off in flight United purchases when using your card, including Wi-Fi, food and beverages. In addition, get 25% off United Club premium drinks.
Earn up to 9,000 Premier Qualifying Points (PQPs)
United elite status qualification is based on two metrics: Premier qualifying points (PQPs) and Premier qualifying flights (PQFs).
Earn up to 9,000 Premier qualifying points per calendar year (1 PQP for every $20 you spend on purchases) that can be applied toward your Premier status qualification — up to the Premier 1K level.
Expanded United Award Availability
You’ll have additional access to book United economy awards and may even see economy award seats requiring fewer miles when logged into your MileagePlus account. We’ve seen economy saver awards at half the public price!
Premier Upgrades on Award Tickets
If the primary cardholder has Premier status and is traveling on an award ticket (along with one companion that is traveling on the same reservation), they are eligible for complimentary Premier upgrades on select United Airlines and United Express operated flights, subject to availability.
Earn 5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers
Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Quest℠ Card.
More details on Renowned Hotels and Resorts for United® Cardmembers in the Statement Credits section below.
Earn a 10,000-mile award flight discount each year
Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United Quest℠ Card.
Earn 2 global Economy Plus® seat upgrades
Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Quest℠ Card.
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.
United Card Events
As a Visa Signature card, United Quest card holders can get exclusive access to select events, like culinary tastings at top restaurants, meet-and-greets with sports stars, and more. Visit UnitedCardEvents.com to learn more.
Annual Statement Credits
$200 annual United travel credit
Automatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary, for a future United®- or United Express®-operated flight. Terms apply.
Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers
Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Quest℠ Card.
This selection of over 1,000 properties includes many of the world’s top hotel accommodations, resorts, lodges and spas, each of which extend you complimentary benefits with every stay. By making a reservation for hotel stays through the program, you’ll receive:
- Daily breakfast for two
- A special benefit unique to each property, such as a dining or spa credit
- Complimentary Wi-Fi
- A room upgrade, if available
- Early check-in and late checkout, if available
Up to $100 in credits on rideshare purchases annually
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your United Quest℠ Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
Up to $80 in United travel credits on Avis or Budget purchases
Receive $40 in United® TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Quest℠ Card.
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. JSX is a hop-on jet service that offers a semi- private flying experience at commercial fares. To learn more, visit united.com/JSX.
Up to $180 in Instacart credits
Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your United QuestSM Card. Terms apply. Benefits end 12/31/27.
Free Checked Bags
The primary United Quest card holder and one companion traveling on the same reservation will each receive their first and second checked bags free (up to $40 value for the first checked bag and up to $50 value for the second checked bag, each way, per person – Up to $360 per round trip total). Terms apply.
This benefit for free checked bags is valid on domestic United-operated flights when the United Quest card holder includes their United MileagePlus number in their reservation and purchases their United Airlines ticket with their card.
It does not apply to international flights.
Priority Boarding
The primary card holder and companions on the same reservation get priority boarding (Group 2) on United flights.
Global Entry / TSA PreCheck Reimbursement
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.
No Foreign Transaction Fees
Purchases made with the United Quest card outside the U.S. will not be subject to foreign transaction fees.
Trip Protections
Trip Cancellation / Trip Interruption Insurance
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is cancelled or cut short by sickness, severe weather and other covered situations.
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days when you pay for your flight with the card.
Lost Luggage Reimbursement
Your Checked and Carry–on Baggage each have a maximum benefit up to three thousand ($3,000.00) dollars per Covered Person per Trip.
Both include a sub–limit up to five hundred ($500.00) dollars for jewelry and watches and a sub–limit up to five hundred ($500.00) dollars for cameras and other electronic equipment per Covered Person per Trip. Additional restrictions apply.
New York State Residents: You are additionally limited to $2,000 per bag and $10,000 for all Covered Travelers per Trip.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Primary Car Rental CDW Waiver
If you decline the rental car company’s collision and damage insurance and charge the entire rental cost to your card, coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Specific limitations apply to New York residents: inside the United States coverage is secondary to Your personal automobile insurance.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Extended Warranty
This extended warranty protection prolongs the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Travel and Emergency Assistance Services
The Chase Benefit Administrator can refer you to legal and medical services or provide other travel and emergency assistance.
Concierge Services
Get complimentary Visa Signature concierge service 24 hours a day. This service can help find tickets to sports and entertainment events, make dinner reservations and even get help sending the perfect gift. Note that card holders are still subject to paying for any third-party services or items.
Free Access to Credit Score
Check your VantageScore 3.0® credit score for free through Chase Credit Journey.
Earn more rewards by combining credit cards
Pros & cons
- $200 annual United purchase statement credit that will help offset the $350 annual fee.
- Up to 10,000 miles back: Automatically get 10,000 United miles back into your account after taking a United award flight, starting with your first cardmember anniversary.
- Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.
- No airport lounge access
- $350 annual fee is steep at first glance, but easy to maximize for semi-frequent United flyers
- United miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
Our review
The United Quest Card is a fantastic option for United flyers that travel with the airline at least several times per year. There are also a number of unique perks that you don’t see on other airline credit cards. Let’s take a closer look.
First, $200 in United® TravelBank cash after account opening and annually on your account anniversary, is easy to use since it’s sitting in your TravelBank account waiting for you to use it! You’ll also automatically get 10,000 United miles back into your account after you redeem United miles for an award flight once per year.
Finally, this card also benefits those that overpack when they travel — the Quest card provides not one, but two free checked bags for the primary card holder and one companion traveling on the same reservation. That’s a potential luggage reimbursement savings of up to $320 per round trip.
Two of the perks, the $200 United credit and up to 10,000 mileage reimbursement, already go far in making the $350 annual fee worth it, especially since these are unique benefits that aren’t duplicated on other United credit cards.
In addition to offering a generous United Quest Card bonus, the card also includes a 25% discount on food and beverages on United operated flights and a wide array of travel and purchase protections. On the bonus category front, there’s a wide array including the ability to earn 3X miles on United Airlines purchases (after the $200 United credit is applied), 2X miles on the broad category of travel, 2X miles on dining, including eligible delivery services, and 2X miles on select streaming services.
There are also a huge range of both Unique Card Benefits and Annual Statement credits as described in the sections above, like up to $100 in credits on rideshare purchases annually, up to $80 in Avis/Budget credits annually, up to $150 in JSX statement credits annually, and up to $180 of Instacart credits annually.
And don’t forget the ability to earn PQPs towards elite status from spend. Earn up to 18,000 Premier qualifying points per calendar year (1 PQP for every $20 you spend on purchases) plus the bonus 1,000 Card Bonus PQP each qualification year, starting in 2026.
More frequent United Airlines flyers may want to consider the $695-per-year United Club Infinite card, a more premium card that offers airport lounge access. Meanwhile, those United travelers who travel a bit less frequently may want to consider the $150-per-year United Explorer card.
Frequently asked questions
Does the United Quest Card have an annual fee?
Yes, the United Quest Card annual fee is $350.
Does the United Quest Card get you into airport lounges?
No, the United Quest Card does not provide lounge access to the United Club.
Is it hard to get the United Quest Card?
While your credit score isn’t the only thing that matters when applying for a card, it’s recommended that you have good to excellent credit. For a solid chance of an approval, you should have a credit score 670 or above.
Is it getting the United Quest Card worth it?
Yes, the Chase United Quest Card is worth it for many travelers, especially those that take United flights at least several times per year.
However, even more frequent United flyers may want to consider the United Club Infinite Card. While that United credit card has a $695 annual fee, the perennial perk is a United Club membership.
How does the United Quest Card compare to the United Explorer Card?
How does the United Quest Card compare to the United Gateway Card?
How does the United Quest Card compare to the United Club Infinite Card?
How does the United Quest Card compare to the Chase Sapphire Preferred?
How do I earn miles with the United Quest Card?
The Chase United Quest Card earns:
- 3X miles on United purchases like airline tickets (after earning the $125 United credit).
- 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 miles on all other purchases.
Can I earn more miles with the United Quest Card without needing to fly United Airlines?
Yes, it’s possible to earn miles though rental car and hotel stays as well as dining and shopping programs. These other non-flying purchases will help you earn more miles. Another way to earn more miles is through transferring points from a transferrable points currency, such as Chase Ultimate Rewards.
Does the United Quest Card charge foreign transaction fees?
No, the Chase United Quest Card does not charge a foreign transaction fee.
Does the United Quest Card have car rental coverage?
Yes, for car rentals, the United Quest card comes with Primary Car Rental CDW Waiver insurance.
Does the United Quest Card come with any Elite Status?
While the United Quest Card does not come with elite status on its own, you can earn up to 18,000 Premier® qualifying points (PQP).
You’ll earn 1 PQP for every $20 you spend on purchases with your Quest℠ Card, up to 18,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
Does the United Quest Card offer extended warranty?
Yes, the card extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Does the United Quest Card offer purchase protection?
Yes, the card covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Does the United Quest Card offer trip protections?
Yes, the card offers a host of trips protections including:
- Trip Cancellation / Trip Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Trip Delay Reimbursement
What credit score do I need to get a United Quest Card?
Typically, potentially card applicants should have a credit score of at least 670 to be approved.
What can I do with the miles earned for spending on the United Quest Card?
You can use miles for flights on United Airlines or its partners, including Star Alliance airlines. United miles never expire. In addition, while we don’t recommend this option, miles can be used for hotel stays, car rentals, merchandise, eGift cards and more.
Does the United Quest Card have Cell Phone Protection?
No, the card does not offer cell phone protection.