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  1. Credit Cards
  2. United Quest℠ Card
Chase

United Quest℠ Card

The United Quest Card is tailored for frequent United flyers who want premium airline perks like free checked bags and recurring flight credits without paying top-tier lounge card fees. It balances elevated earnings on United purchases with a strong suite of annual benefits that easily offset the $350 annual fee for loyal travelers.

Welcome Offer
Earn 60,000 bonus miles and 500 Premier qualifying points
Annual Fee
$350
Rec. Credit Score
Good
Good For
Frequent 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...

Frequent United flight bookings

Free checked baggage

Annual airline credits

For mid-to-high-frequency United travelers, the $350 annual fee is easy to justify. The card delivers an automatic $200 annual United travel credit and up to 10,000 miles back in award flight discounts on account anniversaries, which effectively erases most of the fee right out of the gate. Add in first and second free checked bags for you and a companion on the same reservation, and the savings stack up quickly after just a couple of trips.

However, if you do not fly United at least two or three times a year or prefer full airport lounge access, this card may not be the right fit. Cards like the United Club Infinite offer lounge membership for a higher fee, while flexible rewards cards provide broader redemption choices. For dedicated United flyers who want rich flight credits and strong earn rates on travel and dining, the Quest Card hits a high-value sweet spot.

MaxRewards

MaxRewards Verdict

The United Quest Card offers exceptional value for repeat United passengers who can maximize its annual flight credits and bag perks, though casual travelers will find its fee 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

Earnings accumulate as MileagePlus miles, offering accelerated rates on United purchases alongside steady rewards on everyday categories like dining, streaming, and general travel.

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

Beyond earning miles, the card features a full suite of annual statement credits, travel protections, and flight conveniences designed to offset the annual fee.

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

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
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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