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Chase · united

United Quest Card

4.3 / 5

United MileagePlus miles · Personal card

The sweet spot of the United lineup for anyone flying United monthly. The $200 credit and two free bags do the heavy lifting against the $350 fee.

See current offer

At a glance

Welcome bonus: 80,000 miles; Spend $4,000 in 3 months
Annual fee: $350; Year-one and ongoing
Purchase APR: 19.99% to 28.49%; No intro APR
FX fee: None

Editorial

Our take

The sweet spot of the United lineup for anyone flying United monthly. The $200 credit and two free bags do the heavy lifting against the $350 fee.

Verdict

Pros & cons

Pros

$200 annual United credit
Two free checked bags for two people
4x on United purchases
Primary rental coverage

Cons

$350 fee requires using the credits
Credits skew toward United ecosystem spending
No lounge access beyond discounted passes

Earnings

Earn rates

Category	Rate	Notes
United purchases	4x miles
Prepaid hotels via issuer portal	5x miles	Renowned Hotels and Resorts prepaid stays.
All other travel	2x miles	Other travel.
Dining	2x miles
Streaming	2x miles	Select streaming.
All other purchases	1x miles

Benefits

Key benefits

$200 United travel credit

Automatic each anniversary year, which brings the effective fee to $150 for United flyers.

Two free checked bags

First and second bags free for you and a companion.

10,000-mile award discount

Annually, plus another after $20,000 in spend, and real PQP earning toward status.

Fit

Who this is best for

Regular United flyers who check bags
Status chasers who want PQP from card spend

FAQ

Frequently asked questions

What is the United Quest welcome bonus?

Earn 80,000 bonus miles after spending $4,000 in the first 3 months, plus 500 Premier Qualifying Points after your first purchase and 10,000 more miles for adding an authorized user.

Does the United Quest charge an annual fee?

Yes. The annual fee is $350 every year.

Does the United Quest have a foreign transaction fee?

No. The United Quest charges no foreign transaction fee, so it works well for international purchases.

What APR does the United Quest charge?

The purchase APR is 19.99% to 28.49% variable.

Who is the United Quest best for?

Regular United flyers who check bags. Status chasers who want PQP from card spend.

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