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United Quest Card credit card

United Quest Card

Annual Fee

$350Charged Yearly

Welcome Bonus

80,000 pts welcome offer

EST. Net Value

$1,565/yr

Credit Score

Varies

Top Earn Rate

3x everything else


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

3x

Travel

2x

Dining

2x

Where it wins:
Stated credits ($860/yr) cover the $350 annual fee on their own — rewards earn on top.

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The United Quest Card from Chase carries a $350 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $469.56 in rewards plus $1,445.00 in credits and perks — $1,564.56 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.

CategoryRate
  • Everything elseUnited Airlines
    3×
  • Travel
    2×
  • Dining
    2×
  • EntertainmentStreaming
    2×
  • Everything elseAll Purchases
    1×

Welcome offer

80,000 points

  • Spend $4,000 in 90 days
  • Est. value: $800 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • 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 prepaid hotel stays purchased through Renowned Hotels and Resorts.

  • Avis or Budget Travel Credit$80/yr

    Receive $40 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental.

  • JSX Credit$150/yr

    Get up to $150 back as a statement credit each anniversary year on flights booked directly with JSX.

  • Rideshare Credit$100/yr

    Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases.

  • Instacart Credits$180/yr

    Receive one $10 Instacart credit and one $5 Instacart credit monthly.

Benefits

  • United Travel Credit$200/yr

    Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary.

  • Free First and Second 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

    Group 2 priority boarding for the primary Cardmember and companions on the same reservation.

  • Global Entry, TSA PreCheck® or NEXUS Fee Credit$120/yr

    Receive a statement credit of up to $120 every 4 years for the application fee.

  • No Foreign Transaction Fees

    Purchases made outside the U.S. will not be subject to foreign transaction fees.

  • Renowned Hotels and Resorts Credit$150/yr

    Receive up to $150 back in statement credits each anniversary year on prepaid hotel stays purchased through Renowned Hotels and Resorts.

  • Avis or Budget Travel Credit$80/yr

    Receive $40 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental.

  • JSX Credit$150/yr

    Get up to $150 back as a statement credit each anniversary year on flights booked directly with JSX.

  • United Inflight & 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.

  • Rideshare Credit$100/yr

    Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases.

  • Instacart Credits$180/yr

    Receive one $10 Instacart credit and one $5 Instacart credit monthly.

  • Auto Rental Collision Damage Waiver

    Primary coverage for theft and collision damage for most rental vehicles.

  • Purchase Protection

    Covers your new purchases for 120 days against damage or theft up to $10,000 per item.

  • Extended Warranty Protection

    Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

  • Earn Premier Qualifying Points (PQP) from spend

    Earn 1 PQP for every $20 spent on purchases, up to 18,000 PQP per year.

  • Visa Concierge

    Complimentary Visa Signature Concierge Service 24 hours a day.

  • Anniversary 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.

  • Award Flight Discount on Spend

    Earn a 10,000-mile eligible award flight discount after spending $20,000 on purchases each calendar year.

  • Trip Cancellation/Interruption Insurance
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Annual Premier Qualifying Points (PQP) Bonus

    Get 1,000 Card Bonus Premier qualifying points (PQP) each year.

Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.

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−$350
Stated credits+$860
Perks (est.)+$585
Net after credits & perks$1,095

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.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$1,565/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $350 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

United Quest Card

Apply Now