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  1. Credit Cards
  2. United Quest℠ Card
Chase

United Quest℠ Card

The United Quest Card is built for regular United flyers who want airline-specific perks without stepping all the way up to a premium lounge card. It works best as a United loyalty card first and a general travel card second, especially if you can use the annual United credit and anniversary award discount year after year.

Welcome Offer
Earn 60,000 bonus miles and 500 Premier qualifying points
Annual Fee
$350
Rec. Credit Score
Good
Good For
Regular United flyers
Learn MoreEstimate your value
United Quest℠ Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the United Quest℠ Card worth it?

This card is great for...

United flight bookings

Annual United travel credit

Award flight redemptions

Yes, if United is one of your main airlines and you will actually use the card's built-in United benefits. The $200 annual United travel credit does a lot of the work on the $350 annual fee, and the 10,000-mile anniversary award flight discount adds real value for cardholders who redeem MileagePlus miles. Add in priority boarding, a fee credit for Global Entry or TSA PreCheck, and strong earning on United purchases, and this card can make sense for someone who flies United several times a year.

It is a weaker fit if you want one travel card for every airline or if most of your value would need to come from the smaller monthly credits. Outside of United spending, the rewards structure is decent but not especially broad, so occasional United travelers may have a hard time justifying the fee. This card is worth it for committed United customers, not for someone looking for a flexible everyday points card.

MaxRewards

MaxRewards Verdict

The United Quest Card makes the most sense for travelers who book United often enough to use the annual United credit and benefit from the anniversary award discount. If United is not a core airline for you, the $350 fee is harder to justify.

Welcome Offer

Earn 60,000 bonus miles and 500 Premier qualifying points

after you spend $4,000 on purchases in the first 3 months your account is open.

Est. Value

$786.50

Required Spend

$4,000

Time Frame

3 Months

Est. Value

$786.50

Required Spend

$4,000

Time Frame

3 Months

Earning

Rewards

This card earns MileagePlus miles, so the rewards story matters most if you already fly United or plan to redeem with United and Star Alliance partners. The strongest value is concentrated in United purchases, with decent support from dining and general travel spending.

CategoryRate

United flights

13%

United purchases

5.2%

Dining, Streaming services (select), Travel

2.6%

Everywhere, United travel credit (anniversary), Award flight discount (anniversary), Premier qualifying points

1.3%

Rewards percent based on a valuation of 1.3¢ per MileagePlus mile

Annual Credits & Perks

Benefits

The practical value here comes from recurring United-specific perks, not just the miles you earn. Before focusing on the smaller partner credits, look at whether the annual United credit, award flight discount, and airport conveniences fit how you actually travel.

BenefitAnnual value
$10,000
$200
$200
$150
$96
$60
$40
$30
$30

Enrollment is required for select benefits.

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United Quest℠ Card$200 annual United travel credit
Autotracked
$0 of $200Every 12 months

Benefits

Credits

25% back on United inflight and Club premium drink purchases

Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights as well as on premium drink purchases at United Clubs when you pay with your United card.

Benefits

Insurance

Roadside Assistance

If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith, or gas. You’re covered up to $50 per incident 4 times a year.


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.


Travel Accident Insurance

When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.


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.


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

Benefits

Status & Access

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.


Priority Boarding

Get on board early and make yourself comfortable. It’s a great start to every United flight. The primary Cardmember, and companions on the same reservation, will be invited to board United operated flights prior to general boarding.


Complimentary DashPass Membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Benefits

Other

Complimentary Premier® upgrades on award tickets

The primary Cardmember who is also a MileagePlus® Premier® member and traveling on a MileagePlus award ticket and one companion will be eligible for Complimentary Premier Upgrades on select United®-operated flights (when available). Visit united.com/Upgrades for details.


Annual 10,000-mile award flight discount

Starting with your first anniversary and every anniversary thereafter, you'll get a 10,000-mile discount to use toward an eligible award flight.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$350

Purchase APR

19.74% - 28.24%

Variable

Transfer APR

19.74% - 28.24%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of United Quest℠ Card, please visit the Chase website.

Table of Contents

United Quest℠ Card

United Quest℠ Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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