United Quest Card Credit Card

United Quest Card

Last Updated: 04/06/2026

Rating
4.2 / 5
Sign Up Bonus
100,000 Miles
Annual Fee
$350
Credit Score
Good

Summary

04/05/2026: Chase has made several upgrades to the United Quest card, such as increasing the sign-up bonus to 100K Miles, increasing the miles earned on United flights to 10x and 4x on all other United purchases, as well as adding a 10% discount on flights purchased with miles

Sign-Up Bonus
4.5
Spending Multipliers
4
Credits & Features
5
Fees
3
Application
3.5
Issuer
NaN

The Chase United Quest Card is a premium airline rewards card tailored for frequent United Airlines travelers who want elevated travel perks, credits to offset spending, and robust protections. Ideal for loyal United flyers, the card offers two free checked bags, priority boarding, 25% back on in-flight purchases, and Economy Plus seat upgrades after meeting spend thresholds, along with purchase protection up to $10,000 per claim, auto rental collision damage waiver, and trip cancellation/interruption insurance up to $1,500 per person. Cardholders also benefit from a suite of credits, including a $200 annual United travel credit, $150 annual Renowned Hotels & Resorts credit, rideshare and Instacart credits, $150 JSX credit, and $120 credit for Global Entry or TSA PreCheck every four years, plus 10,000 annual award miles. While the annual fee is not waived in the first year and many credits are incremental or time-limited, the Chase United Quest card is best suited for frequent flyers who want comprehensive United-focused rewards, travel protections, and premium perks to enhance every trip.

Pros

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Credits to offset annual fee
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No foreign transaction fee
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Purchase protection up to $10,000 per claim and $50,000 per year
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Extended warranty

Cons

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Annual fee not waived in the first year
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Credits may not offset annual fee as they are niche perks
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Lots of credits are paid incrementally throughout the year
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Some credits have an expiration date which might limit value in the future
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Features are closely coupled to United Airline
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1x catch all category

Issuer

Spending Multipliers

Credits & Features

$200 annual United travel credit
$150 annual Renowned Hotels and Resorts credit
$8 monthly ($12 in December) Rideshare credit
2x annual $40 Avis or Budget car rental credit
10,000 award miles each year
10,000 Mile award flight after $20,000 annual spend
$10 monthly Instacart credit until December 31, 2027
Additional $5 monthly Instacart credit until December 31, 2027
$150 annual JSX credit
10% discount on flights booked with miles
2 free checked bag
Priority boarding
2 Economy Plus seat upgrades after $40,000 in annual spend
25% back on in-flight purchases
Premier upgrade and award tickets
$120 credit for Global Entry or TSA PreCheck every 4 years
3 Month Instacart+ Membership until December 31, 2027
Auto rental collision damage waiver
Trip cancellation/interruption insurance up to $1,500 per person and $6,000 per trip
Baggage delay insurance
Lost luggage reimbursement up to $3,000 per passenger
Trip delay reimbursement up to $500 per ticket

Application

  • Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
  • Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
  • Consider having at least a credit history for 1 year
  • Avoid applying for more than 2 Chase cards in 30 days

Fees

  • $350 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.74% - 28.24% Variable APR
  • 28.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 19.74% - 28.24% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process