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United Quest℠ Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.24% ‐ 27.24% (Variable)
Interest Rate: Purchases
20.24% ‐ 27.24% (Variable)
Balance Transfer
20.24% ‐ 27.24% (Variable)
Balance Transfer
20.24% ‐ 27.24% (Variable)
1 - 3 Miles
1 - 3 Miles
Signup Bonus
80000 miles (after spending $5,000)
Signup Bonus
80000 miles (after spending $5,000)

Informr score
The United Quest℠ Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 17 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...

One Mile at a Time
One Mile at a Time

The United Quest Card is the most compelling incard the Chase & United lineup. 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 can earn per year when redeeming miles, a...

- Ben Schlappig, One Mile at a Time

The Chase United Quest Card has a generous sign-up bonus and offers a significant amount of travel-related benefits for a mid-level credit card. For frequent United Flyers, this card is well worth the annual fee.

- John Csiszar, GOBankingRates
Upgraded Points
Upgraded Points

If you are a frequent United flyer, and/or can easily take advantage of the card’s many benefits,  including an annual United credit, the 5,000-mile anniversary award flight credits, free checked baggage, priority boarding, and other card perks, then yes, the United Quest card would most definitely...

- Jarrod West, Upgraded Points

The $250 annual fee is not for everybody, but frequent United flyers who use the $125 airline credit should be able to extract plenty of value from the card.

- Gregory Karp, NerdWallet

If you travel semi-frequently with United, the United Quest card should easily pay for itself. Indeed, the $250 annual fee can be covered just by the up to $125 in statement credits you can earn each account anniversary year for United purchases and the up to 10,000-mile-credit you can earn back for...

- Joe Cortez,


Interest Rates
Regular APR Interest Rate 20.24% ‐ 27.24% (Variable)

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

Balance Transfer Interest Rate 20.24% ‐ 27.24% (Variable)

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

Cash Advance Interest Rate 28.74% (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.

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
  • Free year of DoorDash DashPass
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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