Chase · Visa
United Quest℠ Card
Annual Fee
$350
up to $860/yr in credits if you use them
Sign-Up Bonus
$780
Current offer shown; issuer determines eligibility.
Spend $4,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
United flyers wanting strong United earning + $850/yr in credits without the full Club fee
Sign-Up Bonus
Bonus: 60,000 miles
Details: 60,000 bonus miles + 500 PQP after $4,000 spend in 3 months (up to 70,000 total with an added authorized user)
Requirement: Spend $4,000 in 3 months
Estimated value: $780Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
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
Key Benefits
Credits — if you use them
Automatic United TravelBank cash at account opening + each anniversary, toward a future United flight
$10/month + $80 anniversary in statement credits — 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
Pros & Cons
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
Rates and fees may vary.See current rates, fees, and terms on Chase's site
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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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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.