United Quest Card

Earn rates · how we got this

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 2026-09-14.

Statement credits — $860/yr on paper · how we got this

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? · how we got this

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.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

• Anyone who doesn't spend at Renowned Hotels and Resorts via Chase Travel. Its largest printed rate, 5x on hotels, pays only at Renowned Hotels and Resorts via Chase Travel. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
• Anyone who won't work the statement credits. The $350 fee is argued for by $860 of printed credits, spread across 6 separate credits, 2 of them monthly or quarterly — an unused month is gone, not banked, and 2 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $350 has to come back through earn rates instead.

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.

What does United Quest Card downgrade to? →

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