United Quest Card

Earning Rates

Key Benefits

• 3x on United
• $125 United credit
• 2 free bags
• Award rebates

All Benefits

• Welcome offer of up to 70,000 bonus miles plus 500 Premier qualifying points (PQP): 60,000 bonus miles plus 500 PQP after spending $4,000 on purchases in the first 3 months from account opening, plus an additional 10,000 bonus miles when you add an authorized user in the first 3 months (current public offer per Chase issuer page; the brief's ~100K offer is not the live public offer as of 2026-05-23)
• $350 annual fee (per Chase issuer page pricing and terms)
• Not subject to a new-cardmember bonus if you have this card or have received a new cardmember bonus for this card in the past 24 months (per Chase issuer page)
• 10x total miles per dollar on eligible United flights, structured as 6x miles per dollar earned on the primary cardmember's United fare as a MileagePlus member plus 4x miles per dollar earned on the entire United purchase with the United Quest Card; basic economy and base option tickets earn differently and Premier members earn even more (per Chase issuer page)
• 4x miles per dollar on all other eligible United purchases beyond flights (per Chase issuer page; NEW elevated rate)
• 5x miles per dollar on hotel stays when prepaid directly through Renowned Hotels and Resorts for United Cardmembers (per Chase issuer page)
• 2x miles per dollar on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services, and tolls (per Chase issuer page)
• 2x miles per dollar on dining including eligible delivery services, and 2x miles per dollar on select streaming services (per Chase issuer page)
• 1x mile per dollar on all other purchases (per Chase issuer page)
• $200 annual United travel credit: automatically receive $200 in United TravelBank cash after account opening and on each account anniversary, for a future United- or United Express-operated flight (per Chase issuer page)
• 10,000-mile award flight discount each anniversary year, deposited within 4 weeks of each card anniversary into the primary cardmember's MileagePlus account for use toward an eligible award flight on United or United Express (per Chase issuer page; this replaces the brief's two 5,000-mile rebates structure with a single 10,000-mile anniversary discount)
• Additional 10,000-mile award flight discount after spending $20,000 on purchases in a calendar year, usable on an eligible United or United Express award flight (per Chase issuer page; matches the brief's 25K-mile anniversary-after-spend concept, sized at 10K per Chase's current terms)
• 10% or more savings when booking United flights with miles (cardmember award pricing on United- or United Express-operated award flights; Premier members save even more) (per Chase issuer page; NEW benefit)
• Free first and second checked bags on United-operated flights for the primary cardmember and one companion traveling on the same reservation: each can check 2 standard bags free (up to $50 first bag, up to $60 second bag, each way, per person), saving up to $440 per roundtrip when the MileagePlus number is in the reservation and tickets are purchased with the card (per Chase issuer page; this is more generous than the brief's first-bag-only description)
• Priority boarding (Group 1) on United-operated flights for the primary cardmember and companions on the same reservation, boarded prior to general boarding (per Chase issuer page)
• 2 global Economy Plus seat upgrades after spending $40,000 on purchases in a calendar year, for use on United- or United Express-operated flights (per Chase issuer page)
• Complimentary Premier Upgrades on award tickets: the primary cardmember with MileagePlus Premier status and one companion on the same reservation are eligible for complimentary Premier upgrades on select United- and United Express-operated award flights, subject to availability (per Chase issuer page; matches the brief's award upgrade benefit)
• 25% back as a statement credit on inflight food, beverage, and Wi-Fi purchases on United-operated flights and on premium drinks at United Club locations when paid with the United Quest Card (per Chase issuer page)
• 1,000 Card Bonus Premier qualifying points (PQP) each year, applied toward Premier status qualification up to and including Premier 1K; awarded within 8 weeks of February 1 in the calendar year following account open date, with the card open as of December 31 of the prior year (per Chase issuer page)
• Earn 1 PQP for every $20 spent on purchases with the United Quest Card, up to 18,000 PQP per calendar year, applied toward Premier status qualification (per Chase issuer page)
• Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fees, available once every 4 years when the application fee is charged to the card (per Chase issuer page)
• Up to $100 annual rideshare statement credit: up to $8 monthly January through November plus up to $12 in December; annual enrollment required (per Chase issuer page)
• Up to $150 annual statement credit on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers (per Chase issuer page)
• Up to $80 in annual United TravelBank cash for Avis or Budget rentals: $40 each for the 1st and 2nd rental booked directly through cars.united.com and paid with the card (per Chase issuer page)
• Up to $180 in annual Instacart statement credits: one $10 credit and one $5 credit monthly on Instacart purchases made directly through Instacart; benefits end 12/31/2027 (per Chase issuer page)
• Up to $150 in annual JSX statement credits when booking JSX semi-private jet flights directly with JSX using the card (per Chase issuer page)
• Renowned Hotels and Resorts on-property perks when booking through United Cardmember portal: $100 property credit, daily breakfast for two, complimentary Wi-Fi, room upgrade subject to availability, and early check-in/late check-out subject to availability (per Chase issuer page)
• 3-month complimentary Instacart+ membership with $0 delivery fees on eligible orders, then auto-enrollment in Instacart+ at 50% off the annual rate; benefits end 12/31/2027 (per Chase issuer page)
• No foreign transaction fees on purchases made outside the United States (per Chase issuer page; example given: avoid $150 in fees on $5,000 international spend)
• Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares canceled or cut short by sickness, severe weather, or other covered situations (per Chase issuer page Guide to Benefits)
• Trip delay reimbursement up to $500 per covered traveler when common carrier travel is delayed more than 12 hours or requires an overnight stay (per Chase issuer page)
• Baggage delay insurance up to $100 per day for up to 3 days for essential purchases when checked baggage is delayed over 6 hours, and lost luggage reimbursement up to $3,000 per covered traveler for checked or carry-on bags that are lost, damaged, or stolen during a covered trip (per Chase issuer page)
• Auto rental collision damage waiver: primary coverage up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less when you decline the rental company's CDW and charge the entire rental to the card (per Chase issuer page; matches brief's primary CDW)
• Purchase protection covers eligible new purchases for 120 days from date of purchase against damage or theft, up to $10,000 per item (per Chase issuer page; 90 days for New York residents)
• Extended warranty protection adds one additional year to eligible U.S. manufacturer warranties of 3 years or less (per Chase issuer page Guide to Benefits)
• Complimentary Visa Signature Concierge Service 24 hours a day for tickets, dining, and gift assistance; Visa Signature network benefits including travel and emergency assistance and the network baggage/trip/CDW baseline (per Chase issuer page; this card is a Visa Signature product)
• MileagePlus miles never expire while the account is open, with no blackout dates on United-operated award flights and access to expanded cardmember saver award availability (per Chase issuer page)
• Refer-a-friend: earn up to 100,000 bonus miles per year by referring friends, with 10,000 bonus miles per approved referral to any United MileagePlus card (per Chase issuer page)
• United Club membership or unlimited United Club passes: Not offered on the United Quest Card (the brief references 2 United Club passes per year, but Chase's current issuer page for the United Quest Card does not list United Club one-time passes as a benefit; United Club one-time passes are listed on the United Explorer Card, and full United Club access requires the United Club Infinite Card per Chase issuer page)
• Complimentary Hertz Five Star or Avis Preferred elite status: Not offered on the United Quest Card (the brief references these statuses, but Chase's current issuer page for the United Quest Card does not list complimentary Hertz Five Star or Avis Preferred status; complimentary IHG Platinum and Avis President's Club status are reserved for the higher-tier United Club Infinite Card per Chase issuer comparison)
• Anniversary award currency separate from the 10,000-mile award discount: Not offered (the brief's 25,000-mile anniversary-after-$20K-spend benefit does not match Chase's current terms; the actual benefit is a 10,000-mile award flight discount after $20,000 calendar-year spend, separate from the annual 10,000-mile anniversary award flight discount per Chase issuer page)
• Cell phone protection: Not offered on the United Quest Card (Chase does not list cell phone protection on the issuer product page for this card; cell phone protection is a benefit on Ink Business cards and certain other Chase products, but is not extended to the United Quest Card)