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.
MoneyGeek’s Take
United Quest℠ Card Review
United Airlines flyers who are looking to earn miles through expenses can benefit from the United Quest℠ Card. While the annual fee isn’t cheap, its generous welcome offer and yearly benefits make it a worthwhile card, especially after the first year.
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Doug Milnes, CFA
Head of Credit Cards at MoneyGeek
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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Alene Laney
Finance Journalist
Alene Laney is an award-winning personal finance writer with over a decade of experience in media. Her works have been featured on Bankrate, Rocket Mortgage, GoBankingRates and Yahoo! Finance, among others. Laney has a degree in English literature, history from the University of Utah.
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Doug Milnes, CFA
Head of Credit Cards at MoneyGeek
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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Alene Laney
Finance Journalist
Alene Laney is an award-winning personal finance writer with over a decade of experience in media. Her works have been featured on Bankrate, Rocket Mortgage, GoBankingRates and Yahoo! Finance, among others. Laney has a degree in English literature, history from the University of Utah.
Updated: June 14, 2024
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- The Chase United Quest℠ Card is best suited for frequent United flyers. While you need to pay a $250 annual fee toward this card, it comes with several benefits that include a spend-based welcome bonus offer.This card offers three miles per dollar on United Airlines purchases and two miles per dollar on a few bonus categories such as travel and dining. All cardholders get priority boarding when flying United, and they get to check two bags for free. Further, you stand to earn a $125 United purchase credit and two 5,000-mile anniversary award flight credits every year.In-flight purchases come with 25% back. You get a statement credit toward Global Entry/TSA PreCheck fees. This card also comes with purchase protection and travel insurance coverage.
When it comes to credit card reviews, MoneyGeek follows a streamlined methodology that includes gathering data from Consumer Finance Protection Bureau’s database, standardizing data points for easy comparison, projecting average spend profiles, determining long-term value and conducting monthly re-rankings.
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.
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.
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.
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
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.
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
You need a good to excellent credit score to be approved for the United Quest℠ Card.
Yes, it reports to all three credit bureaus.
No, you can apply in minutes. Just fill out the United Quest℠ Card application form on the card provider’s website and click submit.
Applicants must provide personal information including name, date of birth, home address, mobile phone number and Social Security Number. They must also provide their total annual income and income source.
Yes, it does. Chase ranked fifth in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study.
Yes, you can use its mobile app to help manage your account.
Yes, it automatically raises credit limits.
Yes, the United Quest℠ Card provides various security features including freezing your account.
Yes, it does. Among these cards are the United Explorer Card and United Club Infinite Card.
About Doug Milnes, CFA
![Doug Milnes, CFA headshot](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_160/v1585262247/bbgpw5eliaweh29jfpd8.png)
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.
sources
- Chase. "United Quest℠ Card." Accessed December 14, 2021.
- Chase. "Earn Rewards | United Quest℠ Card." Accessed December 14, 2021.
- J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed December 15, 2021.
- CFBP. "Credit card agreement database." Accessed October 22, 2023.
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