United Quest Card
Two free checked bags plus over $850 in annual partner credits for a $350 fee
Earn 4x miles on United purchases and 2x on other travel, dining and select streaming while enjoying two free checked bags for you and a companion, a $200 annual TravelBank credit, up to $180 in Instacart credits, and 10,000-mile award flight discounts. No foreign transaction fees and PQP earning toward Premier status.
- Annual Fee
- $350
- Welcome Bonus
- Up to 90,000 miles
- Highest rate (conditional)
- Up to 5X (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $350
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- United MileagePlus
- Point Valuation
- 1.2–1.2 cpp (mid: 1.2)
- Credit Required
- Good to Excellent
Welcome Offer
Up to 90,000 miles
- 80,000 miles after $4,000 in purchases in the first 3 months (plus 500 PQP)
- + 10,000 miles after adding an authorized user in the first 3 months
The total needs every stage above. Meet only the first and you earn 80,000 miles.
Earn 80,000 bonus miles after you spend $4,000 on purchases in the first 3 months, plus 500 Premier qualifying points (PQP) after your first purchase and 10,000 bonus miles for adding an authorized user in that window. Worth about $960 at a 1.2 cent valuation. This is a limited-time offer; Chase states no end date.
Earning Rates
- 5X
Hotels
5x miles on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers, booked via Chase Travel
- 4X
United
4x miles on United purchases (tickets, seat upgrades, Economy Plus, inflight food/beverage/Wi-Fi, baggage fees)
- 4X
United
- 2X
Dining
2x miles on dining purchases including eligible delivery services
- 2X
Streaming
2x miles on select streaming services
- 2X
Travel
2x miles on all other travel
- 1X
All Other
1X miles on all purchases
Earning Scenarios
4X Miles on United Purchases - 10X Total on Eligible United Flights
Earn 4X miles per dollar on United purchases, which combines with 6X as a MileagePlus member for 10X total miles on eligible United flights. Premier members earn even more.
A $2,000 United fare earns up to 20,000 miles in total: 12,000 as a MileagePlus member plus 8,000 with the card.
2X Miles on Dining
Earn 2X miles per dollar at restaurants, including takeout and eligible delivery services.
Spend $500 monthly on dining: earn 1,000 miles monthly (12,000 annually), worth $144 at the typical 1.2 cent valuation.
2X Miles on Other Travel - Hotels, Trains, Rentals, Rideshare
Earn 2X miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls. Prepaid stays at Renowned Hotels and Resorts for United Cardmembers earn 5X.
Spend $300 monthly on hotels, rentals, and rideshare: earn 600 miles monthly (7,200 annually) beyond airline earning.
2X Miles on Streaming Services - Entertainment Subscriptions
Earn 2X miles on select streaming services.
Spend $100 monthly on Netflix, Spotify, and other streaming: earn 200 miles monthly (2,400 annually).
1X Miles on Everything Else - No Bonus Earning Gaps
Earn 1X mile per dollar on all other purchases.
Monthly spending of $2,500 across categories: $1,500 combined 2x categories = 3,000 miles; $1,000 base = 1,000 miles = 4,000 miles total monthly.
Benefits & Perks
Travel Benefits
6 perksGeneral Travel
Show 1 moreShow fewer
Annual Credits & Statement Credits
9 creditsUp to
$860
in recurring credits (annual)
3 credits listed below have no stated dollar amount and are not counted in this total.
$200 United travel
Automatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary, for a future United® - or
$200
Annual
$150 Renowned Hotels
Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and
$150
Annual
$15/mo Instacart+
Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through
$15
Monthly
$100/yr rideshare
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your United Quest Card: $8 back as
$8.33
Monthly
$80 Avis/Budget travel
Receive $40 in United® TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
$80
Annual
$120 Global Entry/TSA PreCheck/NEXUS
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years
—
Annual
Show all 9 creditsShow fewer credits
25% United inflight
Get 25% back as automatic statement credit on food, beverages, and Wi-Fi aboard United flights plus premium drinks at United Clubs.
—
Annual
3 months Instacart+
Three months of complimentary Instacart+ membership, then 50% off the annual rate through December 31, 2027.
—
Annual
$150/yr JSX credit
Up to $150 back each anniversary year on flights booked directly with JSX
$150
Annual
Elite Status & Memberships
Fast track to top-tier perks
Earn up to 18,000 PQP from card spend toward Premier status
Earn 1 PQP for every $20 spent, up to 18,000 PQP annually, to help reach United Premier status tiers including Premier 1K.
1,000 bonus PQP toward Premier status each year
Get a head start on United Premier status with 1,000 bonus PQP awarded each February, separate from PQP earned through spending.
Insurance & Protections
7 protectionsLost luggage coverage up to $3,000 per person
Get reimbursed up to $3,000 per person for lost, damaged, or stolen baggage during covered trips.
Extended warranty adds 1 year to manufacturer warranty
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
Purchase protection up to $10,000 per item for 120 days
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $10,000 per item.
Primary rental car insurance up to $60,000
Skip rental counter insurance with primary coverage for collision damage and theft on rentals up to 31 days worldwide.
Baggage delay coverage up to $100/day for 3 days
Get reimbursed up to $100 daily for essential purchases when checked baggage is delayed over 6 hours.
Show all 7 protectionsShow fewer protections
Trip cancellation coverage up to $6,000 per trip
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
Trip delay coverage up to $500 per person after 12 hours
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay.
Dining Out
2x at restaurants
MileagePlus
≈$2.40 in value on a $100 dinner, at our valuation of 1.2¢ per point
Annual fee: $350
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
MileagePlus
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Program Ratings
Recent Changes & News
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | economy | Europe |
| US to Hawaii in Economy | 17,200 | economy | United States |
| US to South America in Economy | 20,000 | economy | South America |
| US to Europe in Economy | 26,700 | economy | Europe |
| US to Southeast Asia in Economy | 39,200 | economy | Asia |
| US to South America in Business | 60,500 | business | South America |
| US to Europe in Business | 80,000 | business | Europe |
| US to Africa in Business (Partner) | 88,000 | business | Africa |
| Short-Haul US Domestic Economy | 5,000 | economy | United States |
| US to Mexico in Economy | 10,000 | economy | Central America |
| US Transcontinental Business/First | 30,000 | business | United States |
| US to Asia in Polaris Business | 100,000 | business | Asia |
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesCategory Rankings (5 categories)
How It Compares
The United Quest Card sits between the Explorer and Club Infinite with two free checked bags (vs one on Explorer), over $850 in annual partner credits, and strong PQP earning without Club lounge access. The $200 TravelBank credit effectively reduces the $350 annual fee to $150 for United flyers who will use it.
Pros and Cons
Pros
- +Two free checked bags for cardholder plus companion (up to $440 per roundtrip)
- +$200 annual TravelBank credit effectively reduces fee to $150
- +$180/year in Instacart credits ($15/month through 2027)
- +10,000-mile award discount annually plus another 10K after $20K spend
- +Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs
- +4x miles on United, 2x on dining, travel, and streaming
- +No foreign transaction fees
- +Global Entry/TSA PreCheck credit every 4 years
Cons
- -$350 annual fee is substantial without lounge access
- -TravelBank credits only work on United/United Express flights
- -PQP earning cap of 18,000 limits status acceleration potential
- -2x on non-United travel is lower than some competitors
- -Instacart credits expire December 2027
- -No United Club access (requires Club Infinite upgrade)
Who It's Best For
Best For
- United loyalists who regularly check two bags per trip
- Frequent United flyers seeking PQP earning toward Premier status
- Travelers who value TravelBank credits for United flights
- Families traveling together who benefit from companion bag coverage
- Award travelers who want 10K-20K miles back on redemptions annually
Not Ideal For
- Occasional United flyers (Explorer card offers better value for infrequent travel)
- Those who rarely check bags (two free bags is the key differentiator)
- Travelers who primarily fly other airlines
- Those who want lounge access (upgrade to Club Infinite for that)
- People who won't use the Instacart credits
The Math: Is $350 Worth It?
First-year value includes $960 welcome bonus (first stage)
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$516
Annual Fee
-$350
Net Annual Value
+$166
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
Do MileagePlus members get free bags?
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
How many MileagePlus miles do you need for a free flight?
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
Is a United Club subscription worth it?
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
How to earn United miles quickly?
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
Do United miles expire?
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Can you pool United miles with family members?
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Media & Resources
Video Reviews
8 videosThe Ultimate Chase United Card Tier List | What's Actually Worth It?! 2025
How Good is the NEW United Quest Card? | Review
United Quest Card Review (2026): Is It the Right Travel Card for You?
United Explorer vs United Quest: Which Is Best For You?
United Explorer vs Quest Credit Card | Why I Switched
United Explorer vs Quest Credit Card | Why I Switched
United — You Should Probably Have a United Quest Card - Economy Plus Upgrades
Third-Party Articles & Reviews
Best United Airlines Credit Cards of 2026
CNBC's comparison of United's credit card portfolio, positioning United Quest as the optimal choice for loyalty-focused travelers who value checked bag benefits and status earning over lounge access.
The New United Quest Card Offers Best-Ever Benefits for Loyalists
Breaking news coverage of United Quest Card enhancements including increased welcome bonus, expanded annual credits, and strengthened award flight discounts. Discusses impact on competitive positioning within premium travel card market.
United Quest Card – Full Review [2026]
Comprehensive Upgraded Points review covering United Quest earning structure, annual credits, PQP strategy, award booking optimization, and recommended approaches for maximizing card value. Includes pros/cons analysis for different United frequent flyer profiles.
United Quest Card Review - Premium Travel Benefits
Detailed NerdWallet review of United Quest Card benefits, earning rates, annual credits, and comparison with other premium United cards. Includes cost-benefit analysis and recommendations for ideal cardholders.
Is the United Quest Card Worth Its Annual Fee?
Value analysis of the United Quest Card examining whether the $300 annual fee is justified by travel credits and award flight discounts. Includes breakeven calculations based on baggage savings and TravelBank utilization for different traveler profiles.
United Quest Card review: Full details
Comprehensive review of the United Quest Card covering the $300 annual fee, $200 TravelBank credit, two free checked bags, PQP earning rates, and award flight discounts. Analysis of how the Quest fits into United's card portfolio and comparison with Explorer and Club Infinite options.
Updated $350 United Quest Card Offers Best Welcome Offer: 80,000 Miles + 3,000 PQP
Coverage of United Quest Card benefit updates and fee changes, analyzing new annual credits and their impact on overall card value proposition. Discusses how increased benefits offset annual fee changes.
[Expired] Chase United Quest Card: 100,000 + Up to 15,000 Miles Signup Bonus Offer
Tracking of United Quest Card signup bonuses and offer changes, including historical welcome bonus variations and targeted offers. Useful for monitoring promotional timing and best current offer availability.
United Quest Card 2026 Review | U.S. News Money
U.S. News review of United Quest Card offering expert assessment of annual fee value, benefit analysis, and recommendations for credit-qualified applicants. Includes comparison with competing premium airline cards.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase Official | Chase Official: Multiple card facts | |
| Chase | Chase: Benefit flags | |
| Chase | — | Chase |
| Chase | Chase: Multiple card facts | |
| Chase | Chase | |
| The Points Guy | — | The Points Guy |
| RewardsCC API | — | RewardsCC API |
| Chase | Chase | |
| Chase | Chase: Apr | |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
