Chase · Visa
United Quest℠ Card
United flyers wanting strong United earning + $850/yr in credits without the full Club fee
$350 annual fee up to $860/yr in credits if you use them
Why people consider it
- 4x on United.
- 2x on Travel.
- 2x on Dining.
Elevated welcome offer
Above the recent 60,000 miles offer (about $780)
Current: 80,000 miles
Recent typical offer: 60,000 miles
Current offer is 33% higher than recent typical offers.
Welcome offer: 80,000 miles≈ $1,040 at our typical valuation
Requirement: Spend $4,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 80,000 bonus miles after $4,000 spend in 3 months, plus 500 PQP after your first purchase (up to 90,000 miles with an added authorized user) — Chase marks it limited-time with no published end date. Verified on the issuer page 2026-10-06.
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$511/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,551 first year
Includes: +$1,040 welcome offer (80,000 miles at our typical value)
$1,040 is one-time. $511/year is ongoing.
To earn the bonus: spend $4,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $350, charged in full — credits count only if you use them
- Major trade-offs:
- $350 annual fee — raised from $250 in the refresh Most credits require enrollment or specific merchants
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as United Quest on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
United purchases — up to 10x on United flights (incl. 6x MileagePlus base)
Renowned Hotels & Resorts prepaid via United
All other travel
Restaurants & select streaming
Select streaming services
Point value: ~1.3¢ each
Optional benefits and credits
Credits — if you use them
Automatic United TravelBank cash at account opening + each anniversary, toward a future United flight
$10 + $5 monthly Instacart credits, up to $180 each calendar year, through 12/31/2027 — enrollment required
$150 back each anniversary on prepaid Renowned Hotels & Resorts stays
Up to $150/yr in statement credits on JSX purchases
Up to $100/yr in rideshare statement credits — enrollment required
$40 twice a year on prepaid Avis or Budget rentals
Perks (not counted in our math)
Primary cardmember + one companion — up to $440/roundtrip saved
10k-mile discount each anniversary + 10k more after $20k annual spend
Up to $120 statement credit for the application fee; shown at its ~$30/yr annualized value
Automatic statement credit on United inflight & Club premium drink purchases
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + If you naturally use the $200 United travel credit, it can offset $200 of the $350 annual fee
- + Free first AND second checked bags for you + a companion (up to $440/roundtrip)
- + 10x on United flights, 4x on all United purchases
- + Over $850/yr in credits (travel, Instacart, rideshare, JSX, hotels, Avis/Budget)
Cons
- - $350 annual fee — raised from $250 in the refresh
- - Most credits require enrollment or specific merchants
- - Miles worth ~1.3¢ — less flexible than Chase Ultimate Rewards
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.