United Quest Card review: fees, credits, bags and PQP

The United Quest Card has a $350 annual fee. Its value depends on eligible baggage savings, usable TravelBank cash and partner credits, rather than the advertised sum of every benefit.

Checked October 26, 2026: the Chase channel offers up to 90,000 bonus miles — 80,000 after $4,000 in eligible purchases in the first three months, plus 10,000 after adding the first authorized user in those three months, awarded once. A separate 500 PQP requires the first eligible purchase within twelve months. PQP are not redeemable miles.

United Quest card welcome offer

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The New United Quest℠ Card

Chase United MileagePlus

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,080Total$1,080Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,080
Welcome offer+ 500 PQPEarn up to 90,000 bonus miles: 80,000 after $4,000 in eligible purchases in the first 3 months, plus 10,000 after adding an authorized user in the first 3 months. Separately, earn 500 PQP after your first eligible purchase within the first 12 months. PQP are not redeemable miles.: Up to 90,000 miles

United Quest card earning rates

Separate the miles earned by the credit card from those earned on a flight through MileagePlus. The card has the following eligible purchase categories:

4 miles per dollar on eligible United purchases.
5 miles per dollar on hotel stays prepaid directly through Renowned Hotels and Resorts for United cardmembers.
2 miles per dollar on other eligible travel, dining and select streaming services.
1 mile per dollar on other eligible purchases.

The advertised 10x total on eligible United flights combines 6x from United on the primary cardmember’s eligible fare and 4x from the card on the eligible United purchase. Basic Economy and base option tickets follow different rules. This is not a 10x rate on every card purchase.

Compare these categories with another card using your actual spending and usable redemption options. MileagePlus award seats, prices, taxes and fees vary; earning miles does not guarantee a suitable award or Premier status.

United Quest card benefits

Benefits require separate checks for booking channel, payment, enrollment, timing and eligible flights. Avoid counting a saving already provided by your status or another product.

Credits: periods and conditions

The credits below use different calendar-year, anniversary-year and monthly periods. Their face values are not an automatic cash rebate or guaranteed offset of the $350 annual fee. Only select a credit in the calculator if you expect to use it under its terms.

$200 United TravelBank cash after account opening and on each anniversary; expires twelve months after issue and applies to eligible United/United Express flight bookings. It is not a statement credit.
Up to $150 per anniversary year for eligible prepaid Renowned Hotels and Resorts bookings with the card.
Up to $100 per calendar year for rideshare: up to $8 monthly January–November and $12 in December; annual enrollment and eligible card payment required.
Up to $80 per anniversary year in TravelBank cash: $40 for each of the first two eligible Avis/Budget rentals booked through mileageplustravel.united.com and paid with the card.
Up to $150 per anniversary year on eligible flights purchased directly from JSX with the card.
Up to $180 per calendar year for Instacart: one $10 credit and one $5 credit monthly on eligible direct purchases; benefit ends December 31, 2027.

Separately, eligible Global Entry, TSA PreCheck or NEXUS application fees can receive up to $120 once every four years. This is not an annual credit or a guarantee of membership. Issuer and partner terms, unused-credit rules and account eligibility apply.

Travel benefits

Baggage and priority benefits apply to eligible travel; check the operating carrier and reservation before paying. Insurance has separate covered reasons, payment rules, limits and exclusions.

First and second standard checked bags for the primary cardmember and one companion on the same eligible United/United Express reservation, subject to card-payment and MileagePlus-number rules. The issuer estimates combined savings of up to $440 per roundtrip; actual savings vary.
Group 2 boarding on eligible United-operated flights and 25% back on eligible United inflight and Club premium drink purchases.
Two global Economy Plus seat upgrades after $40,000 in eligible calendar-year purchases, under redemption rules. Economy Plus is not a business-class upgrade.
10,000-mile anniversary award discount, plus a separate discount after $20,000 in calendar-year purchases, for eligible United/United Express award travel. These are not unrestricted miles returned to your account.
Travel and purchase protections under the current Explorer/Quest benefits guide. For example, rental coverage inside the U.S. is secondary for New York residents; check all limits and exclusions.

United elite status fast-track

The separate 1,000 Card Bonus PQP is awarded within six to eight weeks after February 1, starting in the calendar year following account opening. The card must satisfy the issuer’s account-opening, year-end and fulfillment conditions; this is not an immediate annual deposit for every new applicant.

Eligible purchases earn 1 PQP per $20, capped at 18,000 purchase-earned PQP per calendar year. Reaching that cap requires $360,000 of eligible spending. Welcome and annual head-start PQP are separate from this purchase cap.

Meeting a card-spending threshold does not replace the MileagePlus programme’s qualification rules. Compare the opportunity cost of spending and avoid interest or unnecessary purchases solely to earn status credit.

MileagePlus miles

Miles earned with the card are deposited into your United MileagePlus account. PQP count toward status and cannot be redeemed as award miles.

Search the specific United or partner award before transferring or spending miles. A previous business-class example does not establish a current price or availability.

Cardmember award pricing and eligible award discounts follow MileagePlus rules. They do not guarantee seats, a particular fare or an equal saving on every itinerary.

Compare the miles, taxes and fees with the cash price of your actual trip. Avoid treating an old 5,000- or 7,500-mile example as a current minimum or a predictable fare.

Comparable cards to the United Quest card

Compare Quest with United Explorer, United Club and Sapphire Preferred. The catalogue table keeps offer details together; choose according to baggage, lounge or flexible-points needs.

Our credit card selection
Credit card	Annual fee	Welcome offer
The New United Quest℠ Card Apply NowCompare	Annual fee$350	Welcome offer+ 500 PQPEarn up to 90,000 bonus miles: 80,000 after $4,000 in eligible purchases in the first 3 months, plus 10,000 after adding an authorized user in the first 3 months. Separately, earn 500 PQP after your first eligible purchase within the first 12 months. PQP are not redeemable miles. Up to 90,000 miles + 500 PQPEarn up to 90,000 bonus miles: 80,000 after $4,000 in eligible purchases in the first 3 months, plus 10,000 after adding an authorized user in the first 3 months. Separately, earn 500 PQP after your first eligible purchase within the first 12 months. PQP are not redeemable miles.	Apply NowCompare
The New United℠ Explorer Card Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offerEarn up to 85,000 bonus miles through the United card website without a personal agent promotional code: 75,000 after $3,000 in eligible purchases in the first 3 months, plus 10,000 after adding an authorized user in the first 3 months. Offers through other application channels or personal agent codes may differ. Up to 85,000 miles Earn up to 85,000 bonus miles through the United card website without a personal agent promotional code: 75,000 after $3,000 in eligible purchases in the first 3 months, plus 10,000 after adding an authorized user in the first 3 months. Offers through other application channels or personal agent codes may differ.	Apply NowCompare
The New United Club℠ Card Apply NowCompare	Annual fee$695	Welcome offerEarn up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once. Up to 100,000 miles Earn up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.	Apply NowCompare
Chase Sapphire Preferred^® Card Apply NowCompare	Annual fee$95	Welcome offerAfter $5,000 in purchases in the first 3 months from account opening. Offer eligibility requirements apply. 75,000 points After $5,000 in purchases in the first 3 months from account opening. Offer eligibility requirements apply.	Apply NowCompare

Is the United Quest Card worthwhile?

Estimate the baggage charges you would actually pay, then confirm eligible flights, payment and companion rules. The issuer’s maximum $440 combined roundtrip saving is not a saving on every trip or $440 per traveler. Consider the $200 TravelBank credit only if you can use it before expiry without unnecessary spending.

The 10,000-mile discounts are restricted award-flight discounts, rather than an automatic annual return of miles. Credits and Economy Plus upgrades have separate spending or booking conditions. No-foreign-transaction-fee treatment does not eliminate currency conversion or other travel costs.

A lower-fee card can suit someone who rarely checks bags or cannot use these credits. A traveler needing lounge membership should compare United Club’s cost and entry rules; Quest itself does not include United Club membership.

Compare first-year and renewal-year value separately. The conditional welcome offer is nonrecurring, and selecting a maximum credit value in a calculator is a personal-use assumption.

Who this card can suit

Quest can suit a United traveler who can use its eligible baggage benefits, TravelBank cash and award discounts. Compare actual usable value with the $350 annual fee and alternatives; several trips alone do not establish that the fee is offset.

What is the current United Quest welcome offer?

The Chase channel offers up to 90,000 miles: 80,000 after $4,000 in eligible purchases in the first three months, plus 10,000 after adding the first authorized user in those three months, awarded once. Separately, 500 PQP requires the first eligible purchase within twelve months. PQP are not redeemable miles; other channels may differ.

Is the $200 United credit a statement credit?

It is United TravelBank cash issued after opening and on each anniversary, expiring twelve months after issue. It applies to eligible United/United Express bookings under TravelBank rules and is not an unrestricted cash rebate or statement credit.

What other credits are available?

Eligible benefits include up to $150 Renowned Hotels and Resorts per anniversary year, $100 rideshare per calendar year with monthly limits and annual enrollment, $80 Avis/Budget TravelBank per anniversary year, $150 JSX per anniversary year and $180 Instacart per calendar year with monthly credits through December 31, 2027. Each has its own booking, payment and account conditions. Up to $120 for an eligible Global Entry, TSA PreCheck or NEXUS application fee is once every four years, not annually.

Who can receive free checked bags?

The primary cardmember and one companion on the same eligible reservation can receive their first and second standard bags on United/United Express flights under card-payment, MileagePlus-number and booking conditions. The advertised saving is up to $440 combined per roundtrip, not per traveler or guaranteed on every itinerary.

What does the card earn?

The card earns 4 miles per dollar on eligible United purchases; 5 on eligible prepaid Renowned Hotels and Resorts stays; 2 on other eligible travel, dining and select streaming; and 1 on other eligible purchases. Advertised flight totals combine separate airline and card earnings.

How many PQP can I earn from spending?

Eligible spending earns 1 PQP per $20, capped at 18,000 per calendar year, requiring $360,000 to reach that cap. Separate welcome and annual head-start PQP have their own conditions. The 1,000 annual Card Bonus PQP begins in the calendar year after opening, subject to account conditions. Programme qualification rules still apply.

Are the 10,000-mile discounts miles returned to my account?

They are restricted discounts on eligible United/United Express award flights: one at each anniversary and a separate one after $20,000 in calendar-year purchases. They are not unrestricted miles automatically refunded each year.

Does Quest include United Club membership, and is it worthwhile?

Quest does not include United Club membership. Compare the $350 annual fee with benefits you can actually use, without unnecessary spending or double-counting status benefits. The welcome offer is nonrecurring, and several trips do not automatically offset the renewal fee.

Sources and terms checked October 26, 2026: Chase Quest benefits and offer, rates and fees and Explorer/Quest guide. Amounts in U.S. dollars; confirm the application-channel offer and current terms before applying or booking.