MoneyGeek’s Take

United Quest℠ Card Review

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ByDoug Milnes, CFA
Reviewed byAlene Laney
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ByDoug Milnes, CFA
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Reviewed byAlene Laney
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Updated: June 14, 2024

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United Quest℠ Card

Rewards RateEarn 3 miles per dollar on United purchases (after...
APR21.99% - 28.99% Variable
Annual Fee$250
Recommended CreditGood–Excellent
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The United Quest℠ Card is a solid option for semi-frequent United Airlines flyers. It has a $250 annual fee, but its yearly United credit and free checked bags can help offset the cost. With this card, you’ll earn bonus miles on travel, dining and select streaming services. You also won’t have to worry about paying for foreign transaction fees if you use the card abroad.

United Quest℠ Card Overview

With the United Quest℠ Card, you can earn miles relatively quickly. It offers a hefty welcome bonus and makes collecting extra bonus points easy through travel purchases, restaurants and streaming services. And since United miles never expire, you’ll have plenty to use whenever you want to travel.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

Quick Take

  • Earn triple miles on United purchases
  • Earn double miles on other travel, dining and select streaming services
  • 25% back on United in-flight purchases
  • Earn up to 6,000 Premier qualifying points
  • Up to $100 credit for Global Entry or TSA PreCheck
  • Travel and purchase coverage

Important Card Details

When evaluating whether the United Quest℠ Card is right for you, it’s important to read and understand the fine print. This typically contains additional information such as interest rates, annual fees and balance transfer fees. By evaluating these associated fees, you can avoid incurring unexpected costs and make better financial decisions.

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    Regular APR

    The United Quest℠ Card comes with a high variable APR of 21.99% - 28.99%. This APR may vary with the market based on the prevailing prime rate. You can avoid having this interest charged to your account by paying your balance in full and on time every month.

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    Annual fee

    The United Quest℠ Card has a $250 annual fee, which might discourage you. However, you can cut the cost in half by using the card’s $125 annual credit on United purchases. Take advantage of its award-flight credits and free checked bags to extract even more value from the card.

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    Balance transfer APR and fee

    You can move high-interest rate debt to cards with lower interest rates by using balance transfer. The United Quest℠ Card has a balance transfer APR of 21.99% - 28.99%. It charges a fee of either $5 or 5% of the amount of each transfer, whichever is greater. For example, you’ll be charged $50 for a $1,000 balance transfer.

Additional Benefits

When choosing the best credit card for you, it’s important to consider various factors, including purchase protection and customer satisfaction. Take a look at United Quest℠ Card’s benefits and features:

  • Reimbursement for delayed or lost luggage: You can get reimbursed up to $100 per day for three days for essential purchases like toiletries and clothing if your baggage is delayed for more than six hours. Meanwhile, if your luggage is lost or damaged by the carrier, you can be covered up to $3,000 per passenger.
  • Reimbursement for trip cancellation, interruption or delay: If your trip is canceled or cut short due to covered circumstances, you can be refunded up to $1,500 per person and $6,000 per trip. For trip delays of more than 12 hours and require an overnight stay, you are covered up to $500 per ticket for unreimbursed expenses, such as meals and lodging.
  • Auto Rental Collision Damage Waiver: The United Quest℠ Card offers primary rental car coverage, which means you can get reimbursed up to the actual cash value of the vehicle for theft and collision damage.
  • Purchase protection: With the United Quest℠ Card, your new purchases will be covered for 120 days against damage or theft, up to $10,000 per claim and $50,000 per year.
  • Zero Liability Protection: This means you won’t be held responsible for unauthorized charges made with your United Quest℠ Card or account information.
  • Customer satisfaction: Chase ranked fifth in J.D. Power’s 2021 U.S. Credit Card Satisfaction study, earning a score of 807.

How the United Quest℠ Card Compares To Other Cards

Despite its high annual fee, the United Quest℠ Card is a good card for semi-frequent United flyers looking for a great rewards program. That said, analyzing how it stacks up against other travel credit cards can help in determining whether this card is right for you.

How the United Quest℠ Card Compares

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United Quest℠ Card

  • Annual Fee: $250
  • Purchase APR: 21.99% - 28.99% variable
  • Miles Reward Rate: Three miles per dollar spent on United purchases, one mile per dollar spent on other purchases.
  • International Transaction Fee: $0
  • Best For: Semi-frequent United flyers looking for a card with a great rewards program.
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Delta SkyMiles® Reserve American Express Card

  • Annual Fee: $650
  • Purchase APR: 20.99%-29.99% variable
  • Miles Reward Rate: Three miles per dollar spent on Delta purchases, one mile per dollar spent on other purchases.
  • International Transaction Fee: $0
  • Best For: Frequent Delta flyers looking for a card with a great rewards program.

Frequently Asked Questions

What is the average credit score needed to get approved for the United Quest℠ Card?
Does United Quest℠ Card report to all three credit bureaus?
Is the United Quest℠ Card application process lengthy? Can you prequalify?
What information is needed to apply for the United Quest℠ Card?
Does United Quest℠ Card have good customer service or satisfaction?
Does United Quest℠ Card have a mobile app or the option to pay or manage your account online?
Does United Quest℠ Card raise credit limits automatically or charge for limit increases?
Does United Quest℠ Card offer options to freeze your credit/account or have other security features?
Does Chase offer other credit cards besides the United Quest℠ Card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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