United Quest Card Review: Amazing Perks & 80K Miles

United Quest Card Review: Amazing Perks & 80K Miles

United Quest℠ Card 80,000 miles | $250
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United Quest℠ Card 80,000 miles | $250
3x miles on United
2x miles on dining
Free first and second checked bags
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Chase and United Airlines have a co-brand credit card agreement for both personal and small business cards. The United Quest℠ Card is the newest credit card that’s part of this arrangement, as the card was launched in early 2021. Not only is it United’s newest credit card, but I’d argue it’s also the all-around most lucrative. In this post I wanted to take a closer look at the card and explain why.

United Quest Card Basics For November 2021

The United Quest Card is extremely well rounded — the card offers an excellent welcome bonus, and while the card has an annual fee, it should be easy to justify based on the incredible perks.

United Quest Card Bonus Of 80,000 Miles

The United Quest Card is offering new cardmembers a bonus of 80,000 MileagePlus bonus miles after spending $5,000 within the first three months of card membership. This is a great welcome bonus — I value MileagePlus miles at ~1.4 cents each, so to me those miles are worth ~$1,120. This is one of the best credit card bonuses out there.

Note that you’re eligible for this offer even if you have other United co-brand credit cards. The only people who aren’t eligible for the United Quest Card are those who currently have the card, or those who have received a new cardmember bonus on the card in the past 24 months. The typical Chase application rules apply, including the 5/24 rule.

Redeem your miles on Star Alliance airline partners

United Quest Card $250 Annual Fee

The United Quest Card has a $250 annual fee, and there’s no cost to add additional authorized users. For some context as to how that fits into United’s co-brand personal card portfolio:

As you can see, the United Quest Card has the second highest annual fee, though I’d argue it also has the annual fee that’s easiest to consistently recuperate, thanks to the easy-to-use perks, which I’ll cover below.

United has four co-branded personal credit cards

United Quest Card Rewards Structure

The United Quest Card has no foreign transaction fees, and offers the following return on spending:

  • Earn 3x miles on United purchases
  • Earn 2x miles on all travel and dining purchases
  • Earn 1x miles on all other purchases

While there are other cards that are compelling in the travel and dining categories, those are some of the broadest bonus categories I’ve seen on a co-branded airline credit card.

One reason people may wish to spend money on the card is because spending can help you earn MileagePlus elite status. You can earn up to 3,000 Premier Qualifying Points (PQPs) with the card per year, in the form of 500 PQPs for every $12,000 spent on purchases.

Earn 3x miles on United flight purchases

Valuable Purchase & Travel Protection

One of the perks that many people look for in credit cards is good protection for purchases. The United Quest Card has some great coverage in that regard. While you’ll want to consult the card benefits guide, the United Quest Card offers perks like:

  • Trip cancelation & interruption insurance
  • Trip delay reimbursement
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Auto rental collision damage waiver
  • Purchase protection
  • Extended warranty protection
Receive valuable car rental coverage

United Quest Card Benefits & Perks

Airline co-branded credit cards are primarily about the perks, and this is an area where the United Quest Card most definitely doesn’t disappoint. Let’s go over the perks of the card, starting with the two unique benefits that I find to be most compelling, and which will most quickly justify the $250 annual fee.

$125 Annual United Airlines Credit

The United Quest Card offers a $125 annual United credit, which should be worth close to face value to anyone who considers this card:

  • Receive a statement credit when you use your card for United purchases, up to a maximum of $125 per anniversary year
  • Qualifying purchases include airline tickets purchased from United and purchases through United of seat upgrades, Economy Plus, inflight food and beverages, Wi-Fi, baggage service charges, and other United fees
  • The statement credit will post to your account the same day as your United purchase
Get an annual $125 United credit

Anniversary Award Flight Credits (Up To 10,000 Miles)

The United Quest Card offers an anniversary award flight credit of up to 10,000 MileagePlus miles:

  • Automatically receive 5,000 miles back in your MileagePlus account after taking an award flight booked with your miles, up to twice annually
  • The award itinerary must include at least one United-operated flight, and must include the primary cardmember on the reservation
  • These miles will be deposited in your account within four weeks of each cardmember anniversary

If you redeem miles on United with any frequency, that should get you 10,000 miles per year. Between that and the $125 annual United credit, I’d argue the annual fee is already more than offset.

Earn bonus MileagePlus miles when you redeem miles

Free First & Second Checked Bags

If you ever check bags, having the United Quest Card can get you a free first and second checked bag for you and one companion on the same reservation. The primary cardmember just needs to pay for the ticket with their card and be one of the travelers. This is a value of up to $320 per roundtrip ticket (assuming two people are checking two bags roundtrip).

Priority Boarding

As the primary cardmember on the United Quest Card you can receive priority boarding for you and companions on the same reservation for United Airlines operated flights. Many people want to board early in order to be able to secure overhead bin space, so this is a perk that I know many cardmembers value.

25% Savings On Inflight Purchases

You can save 25% on inflight purchases on United Airlines if you have the United Quest Card. This will come in the form of an account statement credit, and applies for purchases of beverages, food, and Wi-Fi.

Save on United Airlines inflight purchases

Complimentary Upgrades On Award Tickets

If you have elite status with United Airlines you’re eligible to receive space available upgrades in most short haul markets when booking a revenue ticket. However, if you have the United Quest Card, you’re also eligible to receive elite upgrades when you’re traveling on award tickets, which is a nice additional perk.

TSA Pre-Check Or Global Entry Fee Credit

The United Quest Card offers a Global Entry or TSA Pre-Check credit every four years. Simply charge the $85-100 enrollment fee to your card, and it will automatically be reimbursed.

Nowadays quite a few credit cards offer these fee credits, so you can always use this benefit for a friend or family member. They just have to use your credit card to pay, and you’ll automatically receive the statement credit.

Receive a Global Entry or TSA Pre-Check credit

Complimentary DoorDash DashPass

The United Quest Card offers a year of complimentary DoorDash DashPass. This gets you unlimited delivery from all kinds of restaurants with $0 delivery fees and lower service fees on orders of $12 or more. You have to activate your subscription by March 31, 2022, and it’s then valid for 12 months. After that period, you’ll be automatically enrolled in DashPass at the current monthly rate, though you can always cancel.

Is The United Quest Card Worth It?

Personally I think the United Quest Card is United’s best value credit card for someone who flies United at least a few times per year, and redeems miles sometimes as well.

While the card has a $250 annual fee, the $125 annual United credit should lower the “real” annual cost of this card to $125. Then if you redeem miles for United-operated flights at least twice per year, you’re getting 10,000 additional miles. Based on my valuation of United miles, I consider that to be a $140 value.

At that point you’ve already gotten more value from the card than the annual fee, and that doesn’t account for perks like free checked bags, upgrades on award tickets, savings on inflight purchases, and much more. Then there’s also the huge bonus of 80,000 miles for new cardmembers.

So yeah, I think this card is totally worth it, but how does the value proposition compare to United’s most popular credit card?

United Quest Card Vs. United Explorer Card

I know many people may be trying to decide between the United Quest Card and the United Explorer Card. Personally, I think the United Quest Card is the better choice, but let me provide a quick comparison.

The advantages of the United Explorer Card are the following:

  • The United Explorer Card has a $95 annual fee (waived the first year), compared to a $250 annual fee on the United Quest Card
  • The United Explorer Card offers two United Club passes annually

However, virtually everything else about the United Quest Card is either equal or significantly better:

  • The United Quest Card offers a better welcome bonus (and that even accounts for the increased limited time bonus on the United Explorer)
  • The United Quest Card offers an annual $125 United credit, which the United Explorer Card doesn’t offer, and that should be worth face value to most
  • The United Quest Card offers up to 10,000 MileagePlus miles back each year on award redemptions, which the United Explorer Card doesn’t offer
  • The United Quest Card offers two checked bags free, while the United Explorer Card offers only one checked bag free

In the first year, the United Quest Card is much more compelling due to the bigger welcome bonus, while in the long run, the United Quest Card is more compelling because of the additional perks that should help offset the annual fee for a vast majority of savvy consumers.

I’d say the only type of consumer who should consider the United Explorer Card is someone who really values the United Club passes but doesn’t redeem miles at least twice per year for United-operated flights.

Receive an annual statement credit for United purchases with the Quest Card

Bottom Line

The United Quest Card is the fourth personal card in the Chase & United lineup, and I think it’s the most rewarding. While the $250 annual fee sounds high on the surface, the $125 annual United credit should get you half of that value back right there. Then there’s the up to 10,000 miles you can earn per year when redeeming miles, along with all of the other ongoing benefits.

The card is even offering a phenomenal bonus of 80,000 MileagePlus miles, so this is a great card to consider picking up, if you’re eligible.

What do you make of the United Quest Card?

Conversations (12)
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  1. James Guest

    If you have a round-trip award ticket, is that considered one or two trips to get the 5K miles/trip?

  2. UA-NYC Guest

    Same comment I had in the Infinite post...the PQPs are are good ONLY if you are going for the Full PQP status earning, NOT the lower PQP + Segments route. Major small print bad faith by United in the T&Cs.

    1. Bruce Guest

      Are you sure about this? I don't see this in the fine print and I qualified for Platinum in the past using PQP + PQF Segments with 1000 PQP's from my Explorer card.

    2. UA-NYC Guest

      Might be a 1K thing specifically then, given the PlusPoint earning - there was an asterisk on the earning page that made it very clear that CC PQPs are only for PQPs only for that level

    3. UA-NYC Guest

      Here are the T&Cs:
      *United MileagePlus Card PQP: PQP from eligible United MileagePlus Cards (which are included in the total amounts shown in the Activity Tracker for eligible thresholds) may only be applied up to the Premier 1K combined PQP and PQF requirement, and does not count towards the Premier 1K PQP-only requirement or extra PlusPoints beyond 1K status (except for PQP earned from United Presidential Plus and United Presidential Plus Business Cards, which...

      Here are the T&Cs:
      *United MileagePlus Card PQP: PQP from eligible United MileagePlus Cards (which are included in the total amounts shown in the Activity Tracker for eligible thresholds) may only be applied up to the Premier 1K combined PQP and PQF requirement, and does not count towards the Premier 1K PQP-only requirement or extra PlusPoints beyond 1K status (except for PQP earned from United Presidential Plus and United Presidential Plus Business Cards, which do count towards the Premier 1K PQP-only and extra PlusPoints beyond 1K status). Any portion of the United MileagePlus Card PQP balance transferred from FlexPQP may only be applied up to Premier Platinum requirement, and does not count towards Premier 1K status or extra PlusPoints beyond 1K status. ↩

  3. RCB Guest

    I had the Explorer card and the only benefit I got from it was the United Club passes, but United isn't accepting them right now so I was paying for nothing, and when I pointed out to Chase that it's fraud for them to sell you passes they know you can't use, they responded that it's not fraud because United controls the clubs, not Chase, so it's fine.

    Anyways, I was getting no value...

    I had the Explorer card and the only benefit I got from it was the United Club passes, but United isn't accepting them right now so I was paying for nothing, and when I pointed out to Chase that it's fraud for them to sell you passes they know you can't use, they responded that it's not fraud because United controls the clubs, not Chase, so it's fine.

    Anyways, I was getting no value from my $95 a year annual fee so I upgraded to the Quest card because even though it's more expensive I knew I'd get more value out of it, so one of those times when spending more makes sense.

  4. Jack Guest

    Do we know when the last upgrade on an award ticket actually cleared? I've never had one myself.

    1. UA-NYC Guest

      You won't get them on hub-hub routes, nor if you're Silver or the like (I have been failing like crazy as a 1K lately using PlusPoints even on midcons)...you will clear at the bottom of your status tier. Could definitely happen on hub-spoke or off-peak times.

  5. JT Guest

    Will Chase United allow you to change from Explorer card to the Quest card?

    1. RCB Guest

      I just did this, so yes. I didn't get the new cardmember bonus, but was able to switch cards.

  6. Gaurav Community Ambassador

    Ben, is the $125 credit per calendar year or cardmember year?

    1. pwirth158 New Member

      According to the sign up page, per anniversary/card member year

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pwirth158 New Member

According to the sign up page, per anniversary/card member year

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UA-NYC Guest

Here are the T&Cs: *United MileagePlus Card PQP: PQP from eligible United MileagePlus Cards (which are included in the total amounts shown in the Activity Tracker for eligible thresholds) may only be applied up to the Premier 1K combined PQP and PQF requirement, and does not count towards the Premier 1K PQP-only requirement or extra PlusPoints beyond 1K status (except for PQP earned from United Presidential Plus and United Presidential Plus Business Cards, which do count towards the Premier 1K PQP-only and extra PlusPoints beyond 1K status). Any portion of the United MileagePlus Card PQP balance transferred from FlexPQP may only be applied up to Premier Platinum requirement, and does not count towards Premier 1K status or extra PlusPoints beyond 1K status. ↩

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UA-NYC Guest

You won't get them on hub-hub routes, nor if you're Silver or the like (I have been failing like crazy as a 1K lately using PlusPoints even on midcons)...you will clear at the bottom of your status tier. Could definitely happen on hub-spoke or off-peak times.

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