The Quest's strongest case is a stack of United-specific value that can offset its $350 annual fee: a $200 United TravelBank credit each year, free first and second checked bags, a 10,000-mile award discount every anniversary, and 1,000 Premier qualifying points annually. Chase also just raised the signup bonus from 60,000 to 80,000 miles after $4,000 in spend within three months. Earning is solid but narrow: 4x on United purchases and 5x on prepaid hotels booked through Renowned Hotels and Resorts, with 2x on travel, dining, and select streaming and just 1x on everything else. The catch is that much of the remaining value comes from a long list of credits, including $150 for Renowned Hotels, $150 for JSX, $180 for Instacart with enrollment, and $100 for rideshare with an annual opt-in, and you only come out ahead if you would actually use them. It makes sense for a regular United flyer who wants the status points and award discounts, but a casual traveler is likely better off with a cheaper card.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels prepaid through Renowned Hotels and Resorts for United Cardmembers | 5x |
Airlines United purchases | 4x |
Travel | 2x |
Dining | 2x |
Streaming Select streaming services | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual United Travel Credit $200 in United TravelBank cash automatically deposited after account opening and each anniversary, for future United-operated flights | $200 /yr |
Global Entry / TSA PreCheck / NEXUS Credit Statement credit reimbursing the application fee for Global Entry, TSA PreCheck, or NEXUS (up to $120 every 4 years) | $120 every 4 yr |
Anniversary Award Flight Discount 10,000-mile discount to use toward an eligible award flight on each account anniversary | 10,000 miles /yr |
Renowned Hotels Credit Up to $150 in statement credits each anniversary year on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers | $150 /yr |
Rideshare Credit Up to $100 in statement credits each calendar year on rideshare purchases ($8/mo Jan-Nov, $12 in Dec; annual opt-in required) | $100 /yr |
Avis/Budget Car Rental Credit Up to $80 in United TravelBank cash each anniversary year ($40 each for 1st and 2nd Avis or Budget rental booked through cars.united.com) | $80 /yr |
Instacart Credit Up to $180 in Instacart credits each calendar year ($10 + $5 monthly; benefits end 12/31/27) | $180 /yr |
JSX Flight Credit Up to $150 in statement credits each anniversary year on flights purchased directly through JSX | $150 /yr |
Inflight Purchase Rebate 25% back on United inflight and Club premium drink purchases | 25% |
Award Booking Discount At least 10% fewer miles when booking award flights on United or United Express (15% for cardmembers with MileagePlus Premier status) | 10% |
| Total annual credits | $890 |
Card details
Regular APR | 19.74%–28.24% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 3 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.