
Chase
United Quest Card
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Card review
United Quest Card
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$250
Welcome bonus
60,000 pts welcome offer
Est. net value
$2,540/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The United Quest Card from Chase carries a $250 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $469.56 in rewards plus $2,320.00 in credits and perks — $2,539.56 net per year before welcome bonuses.
How the points work
3X miles on United purchases
2X miles on all other travel (including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls)
2X miles on dining (including delivery services)
2X miles on streaming service
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseUnited Airlines | 3× |
| TravelTravel | 2× |
| DiningDining | 2× |
| EntertainmentStreaming | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
60,000 points
- Spend $4,000 in 90 days
- Est. value: $600 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual United travel credit$200/yr
Automatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary.
- Renowned Hotels and Resorts credit$150/yr
Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Quest℠ Card.
- JSX credit$150/yr
Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest℠ Card.
- Instacart credits$180/yr
Receive one $10 Instacart credit and one $5 Instacart credit monthly for purchases made directly through Instacart with your card. Benefits end 12/31/27.
- Rideshare credit$100/yr
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your card.
- Avis or Budget credit$80/yr
Receive $40 in United® TravelBank cash for your 1st and 2nd Avis or Budget car rental booked directly.
Benefits & perks
- Annual United travel credit$200/yr
Automatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary.
- Renowned Hotels and Resorts credit$150/yr
Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Quest℠ Card.
- JSX credit$150/yr
Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest℠ Card.
- Free checked bags$440/yr
The primary Cardmember and one companion can each check a first and second standard bag for free on United-operated flights.
- Priority boarding
The primary Cardmember and companions on the same reservation can board United-operated flights before general boarding.
- Global Entry, TSA PreCheck® or NEXUS fee credit$120/yr
Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee.
- Global Economy Plus® seat upgrades$2/yr
Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year.
- United flight award savings$10/yr
Save 10% or more when booking with miles on all United flights. Premier members save even more.
- United inflight and Club purchase credit$25/yr
Get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks.
- Instacart credits$180/yr
Receive one $10 Instacart credit and one $5 Instacart credit monthly for purchases made directly through Instacart with your card. Benefits end 12/31/27.
- Complimentary Instacart+ Membership$3/yr
Get complimentary Instacart+ Membership for three months, then automatically enroll at 50% off the annual rate. Benefits end 12/31/27.
- Rideshare credit$100/yr
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your card.
- Avis or Budget credit$80/yr
Receive $40 in United® TravelBank cash for your 1st and 2nd Avis or Budget car rental booked directly.
- Auto Rental Coverage
Primary coverage provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles.
- Extended Warranty Protection
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less.
- No foreign transaction fees
- Visa Concierge
Get complimentary Visa Signature Concierge Service 24 hours a day.
- Earn Premier qualifying points (PQP)
Earn 1 PQP for every $20 spent on purchases, up to 18,000 PQP in a calendar year, plus receive 1,000 bonus PQP each year.
Included, not priced
- Annual award flight discount
Starting with your first anniversary and every anniversary thereafter, you'll get a 10,000-mile discount to use toward an eligible award flight.
- Spend-based award flight discount
Earn a 10,000-mile eligible award flight discount after spending $20,000 on purchases each calendar year.
- Trip Cancellation and Interruption Insurance
Reimbursed up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable fares if your trip is canceled or cut short by covered situations.
- Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
Provides reimbursement for checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging.
- Purchase Protection
Covers your new purchases for 120 days against damage or theft.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$250
- Stated credits
- +$860
- Perks (est.)
- +$1,460
- Net after credits & perks
- $2,070
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $250 per year.