United℠ Quest Review

Overview

The United℠ Quest is a category rewards card from Chase, running on the Visa network. The United℠ Quest earns up to 2x on dining, travel, and streaming, so it pays you the most exactly where you already spend. It carries a $350 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn Up to 70,000 bonus miles and 500 PQP (60,000 + 500 PQP after $4,000 spend) after $4,000 in 3 months.

It lands in the mid tier: a modest annual fee in exchange for stronger earn rates and a meaningful welcome offer. The right call depends on whether your spending and the perks clear that fee each year.

Our 3.5 out of 5 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.

Rewards: how it earns

Where the United℠ Quest earns its rewards is its bonus categories: 2x on dining (about $60 a year on the $3,000 a typical household spends there), 2x on travel (about $36 a year on the $1,800 a typical household spends there), and 2x on streaming (about $12 a year on the $600 a typical household spends there). Across a full year of average household spending, the card returns roughly $346 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.

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.

Pros and cons

The welcome bonus

The current welcome offer is Up to 70,000 bonus miles and 500 PQP (60,000 + 500 PQP after $4,000 spend), earned after you spend $4,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $600. 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. Stacking the welcome offer on top of a typical year of rewards and accounting for the $350 annual fee, the first year is worth roughly $596.

Is the annual fee worth it?

To come out ahead on the United℠ Quest you need to clear its $350 annual fee. On typical spending it earns about $346 a year in rewards, and it carries up to $200 in statement credits. For the right spender it covers the fee, but it is worth running the math on your own categories first.

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

It is best for frequent flyers loyal to this airline who will use perks like free checked bags and priority boarding and want miles toward award flights.

Skip it if you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.

Frequently asked questions