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United Quest℠ Card review

A powerful addition to the Chase United credit card lineup’s rating: 4.4 / 5


  • Get this card if you want big United perks but you’re not into the luxury cost of the United Club℠ Infinite Card.
  • Pick something else if you prefer a different selection of transfer partners or want different earning categories.
  • Apply with a good to excellent credit score of 670 or higher.
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Miles as welcome offer

Up to 3x



Annual fee

18.74% to 25.74%

Purchase APR (variable)


Annual fee$250
Welcome offerEarn 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open.
Rewards3x miles on United® purchases after earning your $125 annual United purchase credit, 2x miles at restaurants, on select streaming services and all other travel, 1x mile on all other purchases
Purchase APR18.74% to 25.74% variable
Balance transfer APR18.74% to 25.74% variable
Minimum Credit Score670
Apply now

Review by

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The United Quest℠ Card card is a new cobranded airline card, bringing the number of available United credit cards to four total. It requires a $250 annual fee, earns 70,000 bonus miles after you spend $4,000 on purchases within your first 3 months. It earns 3x miles on United purchases after you use your $125 statement credit, 2x miles on dining including eligible delivery services, select streaming services, and all other travel and 1x miles on all other purchases. It has an APR of 18.74% to 25.74% variable.

How to apply for the United Quest℠ Card

Applying for the United Quest℠ Card is straightforward.

  1. Learn more about how to apply for United Quest℠ Card.
  2. Fill out the requested information and hit Submit.

What credit score do I need to get the United Quest℠ Card?

The United Quest℠ Card is a premium offering, so you’ll want a good to excellent credit score of 670 or higher before you apply.

United Quest℠ Card benefits

  • Earn United miles. You’ll earn 3x miles on United purchases after you redeem your $125 annual statement credit. You’ll also earn 2x miles on other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services and tolls. Finally, earn 2x miles on dining and select streaming services and 1x miles on everything else. These miles are nearly identical to the rates offered by the premier luxury United card, the United Club Infinite.
  • Big signup bonus. Earn 70,000 miles after you spend $4,000 in your first 3 months.
  • Annual United credit. You’ll enjoy a $125 United statement credit account anniversary year.
  • Anniversary award flight credits. Earn 5,000 miles back on your MileagePlus account when you take a United or United Express award flight booked with your miles, up to two times each anniversary year year.
  • Free checked bags. Your first and second standard checked bags are free of charge each way when purchasing your tickets with your United Quest℠ Card. This applies to the cardholder and one companion, for a savings of up to $320 each round trip.
  • Global Entry or TSA PreCheck statement credit. You’ll receive up to $100 in statement credits toward your Global Entry or TSA PreCheck statement credit. This perk refreshes every five years.
  • Priority boarding. The cardholder and companions on the same reservation are invited to board United flights prior to general boarding.
  • In flight discounts. You’ll receive 25% back on eligible United inflight purchases, including food, beverages and Wi-Fi.
  • No blackout dates. Cardholders using their miles to book flights won’t be subject to blackout dates.
  • Complimentary premier upgrades. Cardholders using their miles to book a flight may receive complimentary premier upgrades when available.
  • Luxury Hotel and Resort Collection. Enjoy complimentary perks when staying at eligible Luxury Hotel and Resort Collection hotels and resorts.
  • Travel insurance. This card offers various travel insurance coverage for your trips, including trip cancellation and interruption, baggage delay, lost luggage, trip delay, and auto rental collision damage coverage.
  • Purchase protection. New purchases made using this card are covered for 120 days against damage or theft on up to $10,000 per claim on up to $50,000 per year. Also receive extended warranty protection for up to a year on eligible purchases.
  • Visa Concierge. This card offers Visa Concierge service, which can help you perform tasks, research and more.
  • Get one-year complimentary DashPass. DashPass is a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Compare credit cards

See how this card compares to other rewards cards.

1 - 3 of 29
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Alaska Airlines Visa® Business card
70,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) after you make $4,000 or more in purchases within the first 90 days of opening your account.
3 miles per $1 on eligible Alaska Airlines purchases and 1 miles per $1 on all other purchases
Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) after you make $4,000 or more in purchases within the first 90 days of opening your account.

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What to watch out for

  • Signup bonus limitations. You can’t receive this card’s signup bonus if you already own a United Quest℠ Card or have received a signup bonus on a United Quest℠ Card in the past 24 months. This card is also subject to the Chase 5/24 rule.
  • No intro APR. This card doesn’t offer a 0% APR on purchases or balance transfers.
  • Average APR. This card’s APR ranges from 18.74% to 25.74%, which is rather average for such a feature rich card.

United Quest℠ Card reviews and complaints

At the time of this review, the card hasn’t been available long enough to garner customer reviews.

JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but currently has an C+ rating and a composite score of 1.18 out of 5 stars based on 241 customer reviews as of December 2021. Most customer complaints revolve around poor customer service.

As of December 2021, Chase earns a Trustpilot score of 1.6 out of 5. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews mention the bank’s mobile app and quick responses to their issues.

Bottom line

Whether you’re an existing United cardholder or you’ve been on the fence, you’ll want to give the United Chase Quest your close attention. It offers outstanding value, handily making up for the cost of the card and nearly pulls the rug out from the $525 United Club℠ Infinite Card.

If you’re not a United traveler however and this card isn’t right for you, you can compare all travel card options to find one that suits your travel needs.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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