United℠ Quest
A $350-a-year airline card from Chase.
Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The United Quest is the mid-premium United card, at a $350 fee, offset by annual United travel credits, free checked bags, and award-flight benefits. For a frequent United flyer, the credits plus the free bags can cover a big chunk of the fee before you even count the miles.
The miles are locked to United, but the credit-heavy structure makes this a card that can pay for itself for a regular United traveler.
Think twice if: you fly United only occasionally, since the Explorer covers the free-bag basics for less.
Our 6.9 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn strong bonuses on United purchases and travel, in locked MileagePlus miles, and get free checked bags plus United travel credits and award-flight perks each year. The credits and free bags are the recurring value; the earning is solid for the tier.
| Category | Rate | Notes |
|---|---|---|
| United purchases | 4x | Bonus category |
| Dining and restaurants | 2x | Bonus category |
| Travel | 2x | Bonus category |
| Streaming | 2x | Bonus category |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Everything else | 1x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 10x miles on United flights booked with the card
- 5x miles on prepaid hotels through Renowned Hotels and Resorts
- 4x miles on other United purchases
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your dining, travel, and streaming spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is on the modest side for that category, so compare before you commit.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Annual United travel credits offset much of the fee
- Free checked bags and award-flight perks
- Welcome offer: Up to 90,000 bonus miles + 500 PQP
- Miles locked to United
- $350 fee needs the credits used to justify
- Overkill for occasional United flyers
The welcome bonus
The current welcome offer is Up to 90,000 bonus miles + 500 PQP, earned after you spend $4,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $700. The spending requirement works out to roughly $1,333 per month, so make sure it fits your normal budget rather than pushing you to overspend. A good haul, and the main draw in year one.
Is it worth the annual fee?
The $350 fee is softened significantly by annual United travel credits and free checked bags, so the effective cost is lower than it looks for someone who flies United regularly. If you would not use the credits, the Explorer is the better-value choice.
First-year value vs ongoing value
| Welcome bonus | Up to 90,000 bonus miles + 500 PQP |
| To earn it | $4,000 in 3 months |
| Est. first-year value* | $896 |
| Est. ongoing value / yr* | $196 |
The welcome bonus makes year one the high point: roughly $896 in value once you count the bonus, this card’s rewards, and its credits, minus the $350 fee. After that, the honest figure is about $196 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- First and second checked bags free on United (primary cardmember + 1 companion)
- $200 United TravelBank credit each year
- Priority boarding and 25% back on United in-flight purchases
- Up to $100 Global Entry, TSA PreCheck, or NEXUS fee credit
- No foreign transaction fees
Statement credits
- $200 United TravelBank credit each year (after account opening and on anniversary)
Who should get it, and who should skip it
If you fly United often and will use the travel credits and free bags, the Quest is a strong card, the credits alone recover much of the fee, and the earning and award perks add more.
If your United flying is occasional, the Explorer gives you the free-bag basics for less. Step up to the Quest only if you will use its credits.
Alternatives to the United℠ Quest
Pairs well with
The United℠ Quest earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the United℠ Quest lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
