United Quest Card
$350 annual fee · $860/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel | 2x | uncapped |
| Dining | 2x | uncapped |
| Streaming | 2x | uncapped |
| Everything else | 1x | uncapped |
| Hotels at Renowned Hotels and Resorts via Chase Travel only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
| Flights at United only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
4x | uncapped |
See how it ranks: best travel cards · best dining cards · best streaming cards.
Signup bonus: 60,000 points after $4,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-10.
Statement credits — $860/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| United TravelBank cash | $200/year | annual |
| Renowned Hotels and Resorts credit | $150/year | annual · resets on your card anniversary |
| Rideshare credit | $100/year | monthly · enrollment required |
| Avis/Budget travel credit | $80/year | annual · resets on your card anniversary |
| Instacart credit | $180/year | monthly · enrollment required |
| JSX credit | $150/year | annual · resets on your card anniversary |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Free first and second checked bags for primary Cardmember and one companion (up to $440 savings per roundtrip; 90-day waiver on ticket-purchase requirement after account opening)
- Priority boarding (before general boarding, after Premier members/Premier Access/special assistance)
- Earn 1 PQP per $20 spent, up to 18,000 PQP per calendar year
- 1,000 Card Bonus PQP awarded each year within 8 weeks of February 1, starting the calendar year after account opening
- 2 complimentary global Economy Plus seat upgrades after $40,000 calendar-year spend
- 10,000-mile award flight discount deposited each account anniversary, plus an additional 10,000-mile discount after $20,000 calendar-year spend (limit 1 extra/year)
- 10% (15% for Premier members) discount on award flights booked with miles
- 25% back statement credit on inflight food/beverage/Wi-Fi and United Club premium drink purchases (uncapped)
Does the fee earn out?
The printed statement credits ($860/yr) cover the $350 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $350 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Don't want the fee any more?
United Quest Card can normally be product-changed to two lower-fee cards in the Chase United MileagePlus family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn United miles →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · www.nerdwallet.com. Spot an error? Tell us.