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If you fly United Airlines, even just a couple of times a year, the United Quest℠ Card should be on your radar. It comes with unique perks that can save you big time when you travel — such as two free checked bags when flying on United. You will also receive an improved welcome bonusYou will receive 80,000 bonus miles if you spend $5,000 within the first three months of your account opening. This bonus is worth an average $1,040 per year in travel. Insider’s valuations.

Review: Is United Quest Card the best credit-card for you?

The United Quest℠ Card is offering a heightened bonus of 80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening. Because United miles never expireIt’s a good opportunity to boost your balance so you have plenty of miles when you travel again.

Although the annual fee for the card is $250, don’t let that discourage you. You can make up the annual fee by using the card’s many benefits. Cardholders get:

• Annual statement credits of up to $125 towards United purchases (like airfares and incidental fees).
• You will receive a 5,000-mile credit, up to twice per year, after you have completed an eligible award flight with United. This credit begins on your first anniversary.
• When you use your card to pay for your tickets, you get a free first and 2nd checked bag for yourself and a friend (worth $35 & $45 respectively).
• You can get up to $100 credit for the Global Entry, TSA precheck, or NEXUS application fees every four years

You’ll also earn bonus miles in categories like travel, dining, and streaming services, and receive other valuable travel and purchase protections, including primary car rental insurance, trip interruption/cancellation insurance, trip delay protection, lost luggage reimbursement, and extended warranty.

Before you decide on the United Quest℠ Card, be sure to have a look at other United cards like the United℠ Explorer Card$0 for the first year and $95 thereafter. United Club℠ Infinite CardTo find out if these perks and benefits are better for you, pay $525 annually

We’re focusing here on the benefits and perks that each card comes with. These cards are not worth the expense if you have to pay late fees or interest. It is important to pay your credit card in full each month, make timely payments, and only spend what you are able to afford.

How to earn Chase United Quest miles

The United Quest℠ Card makes it easy to earn lots of United miles, even if you’re not a frequent traveler.

Cardholders earn:

• 3 miles per dollar on eligible United purchases (after earning the $125 United credit) — including airline tickets purchased from United, United seat upgrades, Economy Plus, inflight food, beverages, and Wi-Fi, baggage service charges, other United fees, and United Card Events from Chase
• 2 miles per dollar for travel (including airlines and hotels, motels and timeshares as well as car rental agencies, cruise lines and travel agencies, discount sites, campgrounds, and operators passenger trains, buses and taxis, limousines and limousines, ferries and toll bridges and highways, parking lots and garages, and other transportation agencies)
• 2 miles per dollar on dining (including eligible delivery services)
• 2 miles per dollar on selected streaming services (Apple Music and Apple TV, Disney+. ESPN+. Fubo TV. HBO Max. Hulu. Netflix, Pandora. Paramount+. Showtime. SiriusXM. Peacock. Showtime. Showtime.
• 1 mile per dollar for everything else

How to use United Miles

You can redeem United milesUnited Airlines and its partners are eligible to book award flights. These include Star Alliance airlines like Air Canada or Lufthansa. United no longer offers an award chart so the number of miles required to fly a flight will vary based on demand, paid tickets price and season.

One-way domestic economy award tickets start from 5,000 miles and can go up to more than 30,000 miles. You can find first-class or saver awards within the US for as little as 25,000 miles. However, you can also find them for more than 60,000 miles. Prices for flights from the US to other countries start at 32,500 miles in economy class and 63,000 miles business class.

The United Quest℠ Card has a unique feature that can put miles back in your pocket. Cardholders get a 5,000-mile credit for completing United award flights up to twice per annum (a maximum of 10,000 miles per annum), starting on their first card anniversary. Based on Insider’s valuations of the 10,000 miles, that credit is worth approximately $130. This perk can be used to offset the annual fee.

United miles aren’t expiring so don’t rush if you’re not ready yet to travel. You do have other redemption options but they will usually be of a lower value.

• Seat upgrades
• United Club memberships
• Inflight Wi-Fi passes
• Application fees for TSA PreCheck
• Merchandise
• Gift cards
• Experiences
• Hotels and cruises 
• Charitable donations

Benefits and features

The United Quest℠ Card offers a substantial — and potentially quite valuable — list of benefits. United flight perks can help you save money and make your travel more enjoyable. Protections such as trip delay insurance or primary car rental insurance can give peace of mind and keep you cash in your pocket while you’re on the road.

$125 United Purchase Credit

United Quest℠ Card cardholders receive up to $125 a year in statement credits toward eligible United purchases, so if you fly United even once a year, you should be able to maximize this perk. These purchases qualify:

• United Airlines tickets purchased
• Seat upgrades
• Economy Plus
• Food, beverages, Wi-Fi, and other services in flight
• Baggage fees 
• Other United fees
• United Card Events for Chase Purchases 

However, United tickets purchased through discount travel websites or as part a third-party package will not qualify. United Cruises, United MileagePlus X and DIRECTV also won’t be eligible.

Free first and second checked bags

With the United Quest℠ Card, cardholders and one companion on the same reservation can get a free first and second checked bagUnited Airlines passengers can use their card to pay for their ticket or taxes and fees on an award flight

Considering United charges $35 for the first checked bag and $45 for the next, you’re looking at a round-trip savings of $160 per person if you check two bags — and double that if you travel with a companion. If you know you’ll check bags on at least one or two United flights in the coming year, opening the United Quest℠ Card can save you a ton of cash, even factoring in the annual fee.

Credit for a 5,000-mile award flight ticket 

Starting on their first card anniversary, United Quest℠ Card cardholders can take advantage of a 5,000-mile credit up to two times a year when they redeem United miles for an award ticket. These credits (for future applications) will be credited to your account approximately four week after your card anniversary.

Within two weeks of booking an eligible award flight, you will receive the 5,000-mile discount in your United account. Eligible award flights include at least one United Express- or United-operated flight and must be booked by the primary cardholder. Unused credit will expire 12 month after issue and cannot be transferred, combined, or extended.

Global Entry, TSA precheck, or NEXUS credit

Cardholders may receive up to $100 credit NEXUS, Global Entry, or TSA PreCheck application feeEvery four years. This is a perk many cards offer nowadays, so if you’ve already enrolled in one of these programs, you can always use your card to pay a friend or family member’s fee and still get the credit.

Upgrades to Premier Complimentary

United Premier members who have the United Quest℠ Card and are traveling on an award ticket are eligible for complimentary Premier Upgrades on eligible domestic United-operated flights. This perk is only for the primary cardholder; authorized users and travel companions are not eligible.

Premier Qualifying Points

For every $12,000 spent with the card, cardholders get 500 Premier Qualifying points (PQP), up to 3,000 PQP each calendar year. This is useful if you are working towards the next level of elite status, or just need an extra boost.

Expanded United award availability

As with other Chase United credit cards, United Quest℠ Card cardholders get expanded United award availability, which means you’ll have access to more available award seats — with no blackout dates — compared to non-cardholders. This benefit is invaluable if you need to fly on short notice or on highly-demand routes or dates. 

Priority boarding

It is important to board your plane sooner than usual, especially if it is necessary to clean your seat and get settled in. If you have the United Quest℠ Card, you’ll get priority boardingYou and your companions can share the same reservation.

This means that you will board before general boarding is called but after MileagePlus Premier customers, customers with Premier Access and travelers who require special assistance.

25% off your inflight purchase

You can use your credit card to pay for eligible purchases inflight purchases25% of your purchase will be refunded to you in the form an account credit. Qualifying purchases include Wi-Fi access on United- and United Express-operated aircraft. Credit should appear on your statement within 24 hour of the purchase posting. This benefit is also available for authorized users.

Insurance for primary car rentals

The United Quest℠ Card is one of only a handful of cards that offer primary car rental insuranceThis means you are covered for any losses without having to first bill your insurance company.

If you use the card to pay your rental and decline the collision damage waiver from the rental company, you are covered for any damage or theft that occurs to the vehicle. This applies to most car rentals in the US as well as abroad. You should read the card’s terms and conditions to find out about any exclusions.

Trip cancellation/interruption insurance

You can cancel your trip or reduce the length of your trip by using the card to pay for non-refundable, pre-paid passenger fares. reimbursed up to $1,500 per person and up to $6,000 per trip. You are covered for severe weather and sickness. Please refer to the terms and condition for restrictions.

Trip delay reimbursement

If you are interested in a flight or other travel on a common carrier is delayedYou and your family can be reimbursed up to $500 per flight for unreimbursed expenses such as meals and lodging if you travel for more than 12 hours or for an overnight stay.

Baggage delay insurance

If your bag is delayed for six hours or more by a common carrier (like an airline), you can get reimbursement up to $100 per day for essential purchases such as clothing and toiletries.

Luggage reimbursement for lost bags

Having the airline lose or damage your bag is the worst, but if you used the United Quest℠ Card to pay for your ticket, you and your immediate family members could be covered for up to $3,000 per passenger.

Travel accident insurance

Nobody wants to think about the worst happening on vacation, but when you pay for your air, bus, train, or cruise transportation with your United Quest℠ Card, you’re eligible for accidental death or dismemberment coverage of up to $500,000.

Purchase protection

If you use your United Quest℠ Card to pay for a new, eligible purchase, you’re covered for up to 120 days against damage or theftYou can claim up to $10,000 and $50,000 each year. 

Extended warranty protection

The United Quest℠ Card extends the US original manufacturer’s warranty on eligible items by a year, on warranties of three years or less. This can help you avoid paying for an extended warranty on large-ticket items.

Chase Luxury Hotel & Resort Collection

United Quest℠ Card cardholders get access to the Chase Luxury Hotel & Resort Collection — a selection of upscale hotels which offer elite-like perks when you book through the program.

You will receive benefits such as complimentary breakfast, unique benefits and credits that are specific to each property, room upgrade, and other goodies such as early check-in or late checkout (when applicable). It’s important to compare rates and perks through the Chase Luxury Hotel & Resort Collection to booking with the hotel directly; sometimes, you’ll pay more through Chase and the benefits won’t outweigh the additional cost.

DoorDash DashPass benefit

Chase has added a year of free DashPass membership to just about every one of its co-branded cards, including the United Quest℠ Card. Activation must be done by December 31, 2024.

DashPass membership gives you free delivery and reduced service fees for orders over $12. This perk can help you save money if you order from DoorDash often. After 12 months of complimentary membership you will be automatically enrolled for a monthly subscription at full price (currently $9.99/month) unless cancelled.

Costs and fees

With a $250 annual fee, the United Quest℠ Card isn’t for everyone, but again — if you can make the most of the card’s benefits — it can be well worth it for United flyers.

The United Quest℠ Card doesn’t add foreign transaction feesThis card is a good choice for international purchases. Like all other cards, interest will be charged if you don’t pay your balance in full every month. There are fees for cash advances and balance transfers as well as late or returned payments.

Comparison: United Quest card vs. other United credit cards

United Quest card vs. other airline credit cards

Common questions (FAQs) regarding United Quest card

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