United Quest℠ Card
- Annual fee
- $250
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
At a glance
The United Quest Card from Chase is an airline rewards card that packs a heavy punch – but comes with an equally hefty annual fee of $250. The card features an assortment of bonuses on successful application, after meeting minimum spend requirements, and on cardholder anniversaries, plus earns impressive miles on every purchase.
Our review of the United Quest℠ Card
The United Quest Card is the latest airline rewards card from Chase Bank and United Airline’s loyalty program, United MileagePlus. The card comes packed with perks and bonus miles, helping to justify its $250 annual fee.
A Huge Welcome Bonus
The United Quest Card comes with an impressive mileage bonus of 70,000 miles. New accounts can earn 70,000 bonus miles after spending $4,000 on purchases in the first three months after their account is open. United MileagePlus miles have an approximate value of 1.3 cents per mile, making this signup bonus an impressive $900 value when used for United flights, upgrades, or associated travel costs – or flights with other Star Alliance carriers.
$125 United Purchase Credit
The United Quest Card also benefits from a $125 United Purchase Credit each year. This statement credit provides a credit for incidentals purchases before or during a United operated flight, and effectively cuts the card’s annual fee in half. The credit applies towards reimbursement for United purchases and refreshes on each cardmember anniversary.
How to Earn Miles with the United Quest Card
Like any good rewards credit card, Chase’s United Quest Card earns extra miles through an impressive array of categories:
- Earn 3X miles on United purchases
- Earn 2X miles on all other travel purchases
- Earn 2X miles on select streaming services and dining
- Earn 1 mile per dollar spent on all other purchases
As you would expect, the United Quest Card earns the most miles through United purchases. However, keep in mind that the 3X miles per dollar spent on United purchases (including airfare, upgrades, incidentals, etc.) only occurs after they finish using the $125 United Purchases credit.
The 2X miles on all other travel purchases (outside of United Airlines) includes a wide range of travel categories – including daily commute costs. Beyond the typical airfare, cruises, hotels, and car rental bookings, United Quest cardholders will also earn 2X miles on trains, local transit, taxis, and rideshares (like Uber and Lyft).
They can also earn 2X miles on select streaming services. These services are the same as other Chase co-branded and proprietary credit cards and include:
- Apple Music
- HBO Max
- Showtime
- YouTube TV
- Apple TV
- Hulu
- SiriusXM
- Vudu
- Disney+
- Netflix
- Sling
- ESPN+
- Paramount+
- Spotify
- FuboTV
- Peacock
- YouTube Premium
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 70,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open $250 Annual Fee
- Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases Earn 3x miles on United® purchases
- Earn 2x miles on dining including eligible delivery services, select streaming services, and all other travel
- Earn 500 Premier qualifying points for every $12K you spend on purchases, up to 6,000 PQP in a calendar year
- Earn 1x mile on all other purchases
- Each year, receive up to a $125 United® purchase credit and two 5K-mile anniversary award flight credits. Terms apply
- Member FDIC
Who this card may suit
- You prefer to fly with United Airlines
- You spend heavily with your airline cards to earn free flights
- You prefer maximizing miles over airport perks like lounge access
- You'll make use of the statement credits for travel and incidentals
Rates, fees and terms
| Annual Fee | $250 |
|---|---|
| Regular Purchase APR | 21.49% to 28.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 21.49% to 28.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.74% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Up to 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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United Quest℠ Card
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