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United Quest℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.49% ‐ 23.49% (Variable)
Balance Transfer
16.49% ‐ 23.49% (Variable)
1 - 3 Miles
Signup Bonus
80000 miles (after spending $5,000)

Informr score
The United Quest℠ Card currently has an Informr score of 9 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?

United Quest℠ Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Whether you’re an existing United cardholder or you’ve been on the fence, you’ll want to give the United Chase Quest your close attention. It offers outstanding value, handily making up for the cost of the card and nearly pulls the rug out from the $525 United Club℠ Infinite Card.

- Steven Dashiell,

United has done well with its 2021 launch of the United Quest Card. It is a premium airline credit card that offers just a little bit more in almost every category than other cards in its class. The welcome offer should rightly tempt anyone interested in collecting United MileagePlus miles and the $...

- Aaron Hurd, Caroline Lupini, Forbes
One Mile at a Time

The United Quest Card is the fourth personal card in the Chase & United lineup, and I think it’s the most rewarding yet. While the $250 annual fee sounds high on the surface, the $125 annual United credit should get you half of that value back right there. Then there’s the up to 10,000 miles you...

- Ben, One Mile at a Time

This new United Airlines Quest credit card is coming out of the gates very strong with a 100K offer. I’m not very impressed with the bonus earning potential especially because cards that earn Ultimate Rewards can do much better. But this card has some very solid perks that can help you easily offset...

- Daniel Gillaspia, UponArriving


Interest Rates
Regular APR Interest Rate 16.49% ‐ 23.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.49% ‐ 23.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $250.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 80000 miles after spending $5,000
  • On purchases within the first 3 months.
  • Plus, earn an additional 20,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open.
All Purchases 1 mile for $1 spent
Restaurants 2 miles for $1 spent
Gas No
Groceries No
Hotels No
Travel 3 miles for $1 spent

on United Airlines purchases

Pharmacy No
Bills No
Additional Details
  • 2 miles per $1 spent on select streaming services
  • 2 miles per $1 spent on all other travel, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
  • Two 5,000-mile anniversary award flight credits - terms apply
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Receive up to $125 in statement credits each account anniversary year
  • Free first and second checked bags
  • Up to $100 Global Entry or TSA PreCheck® fee credit
  • Priority Boarding
  • 25% back on United inflight purchases
  • No blackout dates
  • The Luxury Hotel & Resort Collection
  • United Card Events from Chase
  • United Mileage® Cardmember Exclusives
  • Trip Cancellation/Interruption Insurance
  • Trip Delay Reimbursement
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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