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Pros & Cons
Pros
- +Up to 4x on United flights
- +Purchase protection included
- +No foreign transaction fees
Cons
- –High annual fee ($350/yr)
- –No lounge access
Our Review
Experience Ultimate United Rewards with the United Quest℠ Card
- Earn 70,000 bonus miles + 1,000 Premier qualifying points (PQP) after $4,000 in purchases within 3 months
- 3X miles on United purchases
- 2X miles on other travel, dining & select streaming services
- 1X mile on all other spending
- $200 annual United flight credit
- 10,000-mile award flight discount each year (plus another 10K after $20K spend)
- Up to $120 Global Entry/TSA PreCheck® credit every four years
- Free first & second checked bags for you and a companion
- Primary rental car coverage
- $350 annual fee; no foreign transaction fees
Designed for frequent United flyers, the United Quest℠ Card unlocks premium perks that more than offset its fee. Earn elevated miles on United flights and everyday essentials, enjoy automatic credits to trim costs, and accelerate toward elite status with PQPs. All managed seamlessly in the United mobile app.
Terms apply. PQP earnings cap applies; credits and perks subject to terms. See Chase for details.
Rewards
All Spending
1x
United MileagePlus pts per dollar
United flights
4x
United MileagePlus pts per dollar
Restaurants
2x
United MileagePlus pts per dollar
Transit
2x
United MileagePlus pts per dollar
Streaming
2x
United MileagePlus pts per dollar
Travel
2x
United MileagePlus pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
37,800
United MileagePlus/yr
Estimated Value
$378
After Fees
+$28
1st Year Value
$28
incl. welcome bonus
Breakdown
Perks & Benefits
Concierge
24/7
Priority Boarding
Included
Travel Credits
$200
NEXUS Credit
$120
Additional Benefits
- $200 in United TravelBank cash automatically after account opening and annually on your account anniversary, for a future United- or United Express-operated flight.
- Free first and second checked bags for the primary Cardmember and one companion, a saving of up to $440 per roundtrip.
- Priority boarding for the primary Cardmember and companions on the same reservation on United-operated flights.
- 10,000-mile award flight discount starting with your first anniversary and every anniversary thereafter.
- Two global Economy Plus seat upgrades after spending $40,000 each calendar year.
- Up to $150 back in statement credits each anniversary year on hotel accommodations prepaid through Renowned Hotels and Resorts, and up to $150 back each anniversary year on flights booked directly with JSX.
- Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
- Complimentary Visa Signature Concierge Service, 24 hours a day.
Travel Insurance
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Flight Delay
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (primary)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$350
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 70,000 bonus miles + 1,000 Premier qualifying points (PQP) after $4,000 in purchases within 3 months
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services, and all other travel.
- 1x mile on all other purchases.
- $200 United® travel credit + 10,000-mile award flight discount each account anniversary.
- 10,000-mile award discount after $20,000 annual spend.
- 2 global Economy Plus® seat upgrades after $40,000 annual spend.
- 1,000 Card Bonus PQP each year (awarded within 6-8 weeks after Feb 1 starting 2026).
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.