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Chase Visa

United Quest Card

The United Quest is Chase's mid-tier United cobrand, and it earns its $350 fee through credits rather than lounge access. The headline is the earning on United itself, 10x total on United flights and 4x on other United purchases, paired with a $200 annual United travel credit and a stack of partner credits that the issuer totals at over $850. The catch is that several of those credits, rideshare and JSX and Renowned Hotels among them, only return value if your spending already runs through those channels, so the real worth of the card depends on how much of that menu you would have used anyway.

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United Quest Card card art
  • Annual fee
    $350
    $29.17/mo equivalent
  • Welcome offer
    70,000 miles
    ≈$910 at our valuation
    after $4,000 in 3 months
  • Recommended credit
    720-800
    Median 750. See why →

Earning rates

on United MileagePlus
  • 10x
    Airfare
    United flights only
  • 5x
    Hotels Resorts
    Prepaid Renowned Hotels
  • 4x
    Travel
    Other United purchases
  • 2x
    Dining
  • 2x
    Streaming
    Select streaming only
  • 2x
    Travel
  • 1x
    Other
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • $200 Annual United Travel Credit
    $200/year
  • 1,000 Card Bonus PQP Each Year
  • 2 Global Economy Plus Seat Upgrades
  • 25% Back on United Inflight and Club Premium Drinks
  • Annual 10,000-Mile Award Flight Discount
  • Avis or Budget Car Rental Credit
    $80/year
  • Free First and Second Checked Bags
  • Global Entry, TSA PreCheck or NEXUS Credit
    $120 every 4 years
  • JSX Flight Credit
    $150/year
  • Priority Boarding
  • Renowned Hotels Credit
    $150/year
  • Rideshare Credit
    $100/year

Purchase and protection benefits

  • Extended Warranty Protection
  • Purchase Protection

shopping

  • Instacart Credit
    $180/year

Travel and purchase coverage

  • Baggage delay
    $300
    Secondary coverage
  • Lost luggage
    $3,000
    Secondary coverage
  • Rental car collision damage waiver
    $60,000
    Primary coverage
  • Travel accident insurance
    $500,000
    Secondary coverage
  • Trip cancellation and interruption
    $1,500
    Secondary coverage
  • Trip delay reimbursement
    $500
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
19.74% to 28.24%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
19.74% to 28.24%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports adult AU activity to all three bureaus; does not report minors (under 18).
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of June 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.