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* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

United Quest℠ Credit Card

The best United card for semi-frequent flyers.

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(4.3) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

United Quest℠ Credit Card

The best United card for semi-frequent flyers.

BONUS OFFER

Earn 70,000 United MileagePlus Miles and 500 PQPs after spending $4,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  

💵 Your Projected Rewards Value
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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:

$250

AVG Point Value:

$0.012 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

21.99%-28.99% Variable

Balance 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:

3x
Airfare

Estimated Rewards Value: 3.6%

2x
Transit

Estimated Rewards Value: 2.4%

2x
Car Rentals

Estimated Rewards Value: 2.4%

2x
Dining Out / Food Delivery

Estimated Rewards Value: 2.4%

2x
Hotels

Estimated Rewards Value: 2.4%

2x
Streaming Services

Estimated Rewards Value: 2.4%

1x
Everything Else

Estimated Rewards Value: 1.2%

Key features

1

Unique Card Benefits

Two 5,000-Mile Anniversary Award Flight Credits

These anniversary award flight credits are for up to 10,000 United miles. You’ll automatically get 5,000 United miles back into your account after taking a United award flight — up to two times per anniversary year. That means if you take two award flights per year, you’ll get 10,000 miles back.

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 6,000 Premier Qualifying Points (PQPs)

United elite status qualification is based on two metrics: Premier qualifying points (PQPs) and Premier qualifying flights (PQFs).

You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases with your United Quest Card (up to 6,000 PQPs in a calendar year) 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.

DoorDash Benefit

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. You must activate by 12/31/24.

$10 GoPuff Credit

Gopuff is a delivery service that can bring you groceries, home essentials and more to your door. United Quest card holders get up to $10 in statement credits on Gopuff purchases each month. There’s no enrollment for this benefit — all you’ll need to do is pay with your eligible Chase credit card at checkout.

The Luxury Hotel & Resort Collection

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

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.

2

Annual Statement Credits

You’ll automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your card each account anniversary year.

3

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 $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).

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.

4

Priority Boarding

The primary card holder and companions on the same reservation get priority boarding (Group 2) on United flights.

5

Global Entry / TSA PreCheck Reimbursement

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card.

6

No Foreign Transaction Fees

Purchases made with the United Quest card outside the U.S. will not be subject to foreign transaction fees.

7

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

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

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.

8

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.

9

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

10

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.

11

Travel and Emergency Assistance Services

The Chase Benefit Administrator can refer you to legal and medical services or provide other travel and emergency assistance.

12

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.

13

Free Access to Credit Score

Check your VantageScore 3.0® credit score for free through Chase Credit Journey.

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Pros & cons

  • $125 annual United purchase statement credit that will help offset the $250 annual fee.
  • Up to 10,000 miles back: Automatically get 5,000 United miles back into your account after taking a United award flight -- up to two times per anniversary year.
  • Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.
  • No airport lounge access
  • $250 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.

United Quest℠ Credit Card

Learn How to Apply

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, a $125 annual United credit is easy to use since it’s applied as an automatic statement credit as you make United purchases on the card. You’ll also automatically get 5,000 United miles back into your account after you redeem United miles for an award flight — up to two times per anniversary 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 $125 United credit and up to 10,000 mileage reimbursement, already go far in making the $250 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 $125 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.

dining-united-quest-credit-card

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 6,000 PQPs per year.

More frequent United Airlines flyers may want to consider the $525-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 $95-per-year United Explorer card.

Frequently asked questions

1

Does the United Quest Card have an annual fee?

Yes, the United Quest Card annual fee is $250.

2

Does the United Quest Card get you into airport lounges?

No, the United Quest Card does not provide lounge access to the United Club.

3

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.

4

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 $525 annual fee, the perennial perk is a United Club membership.

5

How does the United Quest Card compare to the United Explorer Card?

6

How does the United Quest Card compare to the United Gateway Card?

7

How does the United Quest Card compare to the United Club Infinite Card?

8

How does the United Quest Card compare to the Chase Sapphire Preferred?

9

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.

10

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.

11

Does the United Quest Card charge foreign transaction fees?

No, the Chase United Quest Card does not charge a foreign transaction fee.

12

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.

13

Does the United Quest Card come with any Elite Status?

While the United Quest Card does not come with elite status on its own, it does allow you to earn 500 Premier Qualifying Points (PQPs) for every $12,000 you spend on purchases (up to 6,000 PQPs in a calendar year) that can be applied toward your Premier status qualification — up to the Premier 1K level.

14

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.

15

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.

16

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

17

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.

18

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.

19

Does the United Quest Card have Cell Phone Protection?

No, the card does not offer cell phone protection.

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