United Quest Card Review: Amazing Perks & 70K Miles

United Quest Card Review: Amazing Perks & 70K Miles

United Quest℠ Card Earn 70,000 bonus miles | $250
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United Quest℠ Card Earn 70,000 bonus 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 was launched in 2021 and is the newest credit card part of this arrangement. I’d argue that this is also the all-around most lucrative.

United Quest Card Basics For October 2022

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

United Quest Card Bonus Of 70,000 Miles

The United Quest Card offers new cardmembers a bonus of 70,000 MileagePlus bonus miles after spending $4,000 within the first three months of card membership. This is a great welcome bonus — I value MileagePlus miles at ~1.3 cents each, so to me, those miles are worth ~$910.

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 other cards 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 that 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 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, which is an area where the United Quest Card most definitely doesn’t disappoint. Let’s go over the card’s perks, 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 yearly. 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 your companions on the same reservation for United Airlines operated flights. Many people want to board early 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 traveling on award tickets, which is a nice additional perk.

TSA PreCheck Or Global Entry Fee Credit

The United Quest Card offers a Global Entry or TSA PreCheck credit every four years. Simply charge the $85-100 enrollment fee to your card, which 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 PreCheck credit

Complimentary DoorDash DashPass

The United Quest Card offers a year of complimentary DoorDash DashPass. This offers 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 December 31, 2024, which is 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?

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 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.

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

United Quest Card Vs. United Explorer Card

Many people may be trying to decide between the United Quest Card and the United Explorer Card. 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 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 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.

The only consumer who should consider the United Explorer Card is someone who 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 most compelling in the Chase & United card lineup. 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 other ongoing benefits.

What do you make of the United Quest Card?

Conversations (10)
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  1. Emily Guest

    Not true about quest card giving you $125 United credit on anniversary date. They will give you United credit if united purchases occurred after your first anniversary cycle closes which is not the same exactly as anniversary date. Have been fighting with them and they keep on stating it and refusing to give me the credit on this card even though I purchased united ticket after my anniversary date and after I paid annual fee. Please be aware

  2. David Guest

    “Redeem your miles on Star Alliance airline partners”. Didn’t you just do a piece like on non-existant award seats.

  3. James S Guest

    It is a little odd that they don't throw in the club passes

  4. Levi Gold

    I liked the comparison with DL and AA counterparts in the UA Gateway card review, so a comparison with the $250 AF Delta SkyMiles Platinum card:

    SUB: 50k miles and 5k MQM for $2k in 3 months
    Rewards: 3x Delta, 3x hotels, 2x dining, 2x groceries
    Elite credit: 10k MQM at $25k, another 10k MQM at $50k, MQD requirement waived after $25k in spend (combinable with other DL Amexes)... $50k spend nearly guarantees...

    I liked the comparison with DL and AA counterparts in the UA Gateway card review, so a comparison with the $250 AF Delta SkyMiles Platinum card:

    SUB: 50k miles and 5k MQM for $2k in 3 months
    Rewards: 3x Delta, 3x hotels, 2x dining, 2x groceries
    Elite credit: 10k MQM at $25k, another 10k MQM at $50k, MQD requirement waived after $25k in spend (combinable with other DL Amexes)... $50k spend nearly guarantees at least Silver status
    Companion certificate in domestic economy (limited to certain fare classes)
    $39 entry to SkyClubs
    20% discount on inflight purchases

    1. Eskimo Guest

      And United Quest is the winner?

  5. Alec New Member

    If you already have award flights booked before you get the card do you still get the points back (assuming you have the card when you actually take the flight)?

  6. ErikVR Guest

    Apologies for the off topic question, but I would love to see an article about your value analysis of either transferring Radisson Americas points to Radisson ahead of the merger or alternatively keeping them where they are and having them convert to choice hotel points. Thanks!

  7. Deep Guest

    I am based in Australia. Do purchases in AUD count towards the 5k spend requirement?

  8. Globetrotter68 Guest

    I'd just like to note that I logged into my United Airlines account recently and saw I was pre-approved for this card. I'm wayyy past 5/24 and was still approved. Shocked the heck out me. Anyone else have a similar experience?

  9. Juan Guest

    As an SFO-based flier AND a current Explorer card holder ($95 AF), I just applied for this card since extra $30 (net) AF is definitely worth it for the perks - the extra checked bag, the 10k award reimbursement, the POTENTIAL upgrade, etc.

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Emily Guest

Not true about quest card giving you $125 United credit on anniversary date. They will give you United credit if united purchases occurred after your first anniversary cycle closes which is not the same exactly as anniversary date. Have been fighting with them and they keep on stating it and refusing to give me the credit on this card even though I purchased united ticket after my anniversary date and after I paid annual fee. Please be aware

0
David Guest

“Redeem your miles on Star Alliance airline partners”. Didn’t you just do a piece like on non-existant award seats.

0
Eskimo Guest

And United Quest is the winner?

0
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