United Quest Card overview

For people who fly United Airlines a lot, the United QuestSM Card (see rates and fees) is an excellent option for them to take advantage of benefits such as free checked bags on United flights, priority boarding and an inflight discount. For those who frequent United, this card is a good option for them and can keep track of benefits to maximize their card membership. ** **Card rating,* ‘*** () *?

* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The ideal “in-between” card is the United Quest Card for frequent U.S. travelers, which costs $350 per year and a minimum of $350,000 annually. This provides perks over the UnitedSM Explorer Card (see rates and fees), as well as a lower annual fee than the premium United ClubSM Card(see rate and charges) which is more expensive.

Credit score for the United Quest Card is 670 minimum credit score. But if you have a lower score, it may be approved for s.

Here’s what you need to know about the United Quest Card to decide if it’s the right fit for you.

United Quest Card pros and cons

| Pros | Cons |
| — | — |
| * Annual travel credit * Annual Premier qualifying points boost * Bonus miles on United flights * Free checked bags * Inflight discount * Priority boarding | * Higher earning rates are available on other United cards * Multiple statement credits to remember * Perks are limited to United and partners |

United Quest Card welcome offer

If you spend $4,000 on purchases in the first three months from account opening, New United Quest Card cardholders earn 80,000 miles and 3,000 Premier qualifying points.

THE POINTS GUY

TPG’s February 2026 valuations suggest that United miles are worth 1. miles in this offer for $1,200 – with 5 cents each.

While this isn’t the highest bonus we have ever seen in the card’s history, it just goes a little above its normal offer. It’s a good time to apply for now.

Note that this offer is not available to current or former cardmembers who received a new bonus in the last 24 months. The 5/24 rule of Chase also applies to Chase’s 5.

Related: The ultimate guide to earning elite status with United cards

United Quest Card benefits

What do regular United flyers who don’t necessarily want or need the United Club access that comes with the highest-tier United club Card have some useful perks for their own U. Quest Card?

Here are some of its top perks.

TravelBank cash

With this card, you’ll earn $200 in TravelBank cash each account anniversary year.

This credit wipes out more than half of the card’s $350 annual fee.

Discount on award redemptions

You’ll receive one 10,000-mile discount after your first cardmember anniversary. TPG values the 10,000-mile credit at $150.

You can also earn a second 10,000-mile credit after spending $20,000 on the card in a calendar year.

LEOPATRIZI/GETTY IMAGES

On top of those perks, United Quest cardholders enjoy these United-related benefits:

• Free checked bags: First and second bags for the cardholder and a companion on the same reservation*
• Inflight discount: 25% back on United inflight purchases
  *** PQp boost * * ** PQPP boost* A 1,000-PIQP boost is used annually. In eight weeks of Feb, this will be in your MileagePlus account. Starting in the year after your account open date, 1. , ) and the English-language writer.
• PQP earnings: Earn up to 18,000 PQPs per calendar year (1 PQP for every $20 you spend on purchases)
• Priority boarding

Cardholders also receive these benefits outside of United:

*** **Hotel credit*** *********** Annual Statement Credit Up to $150 annual statement credit on prepaid reservations made through Renowned Hotels and Resorts for United® Cardmembers each account anniversary year.

• **Instacart credit*** – One $10 and one $5 per month Instakart, plus three months free Instancartier membership (ends Dec. 31, 2027) .
• JSX credit: Up to $150 in annual statement credits on JSX flight purchases made each account anniversary year
  The first two Avis or Budget car rentals are booked through United Cars each account anniversary year, and the initial vehicle rental fee is $40 per person. * Rental car credit Up to $$
  *** Ride-hailing credit * *************$8 in monthly statement credits for ride-sharing services, plus an additional $4 (for a total of $12) bonus in December (yearly opt-in required) Bonus.
• TSA PreCheck/Global Entry credit: Up to $120 every four years
• Travel and purchase protections

If you book award tickets with miles, *You have to pay for the ticket through your Quest Card to check your bags for free — including taxes and fees that are charged when booking them.

ZACH GRIFF/THE POINTS GUY

Also, if you spend $40,000 on the card in a calendar year, you’ll receive two global Economy Plus seat upgrades.

The list of credits from grocery delivery to rental cars and hotel reservations is long, but it also reflects the higher annual fee charged by this particular United Quest Card.

But some of these perks will be easier to use than others. In a case where you do not frequent Avis or Budget for car rentals, and see yourself booked using the JSX, those benefits may be more difficult to make the most of them. Cardholders may be more likely to value others, including Instacart credits and the hotel benefit.

All of the above, if you fly United regularly, you’ll appreciate the credits and free checked bags this card offers. Unless you’re looking for United status, then the extra PQPs this card earns will quickly track your progress.

Related: Airline baggage fees: How much it costs to check a bag on major US airlines

Earning miles on the United Quest Card

On top of United purchases, the United Quest Card earns bonus miles in several categories. With this card, you’ll earn:

• 8 miles per dollar spent on

United flights

• 5 miles per dollar spent on hotel stays booked through Renowned Hotels and Resorts
• 3 miles per dollar spent on all other United purchases
• 2 miles per dollar spent on

dining

, select streaming purchases and other travel purchases

• 1 mile per dollar spent on

all other purchases

ZACH GRIFF/THE POINTS GUY

The United Quest Card also earns bonus miles on general travel and dining purchases, as well as on United spending. Still, if you’re looking for similar or better earnings of these types on other travel cards, that is the case with s.

Related: The best credit cards to use for United flights

Redeeming miles on the United Quest Card

United MileagePlus miles are also used to book flights on United or its partners, including Air Canada, Lufthansa and Singapore Airlines. Other options include booking domestic routes on United for as little as 5,000 miles and using a larger number of miles to fly business class to Asia on All Nippon Airways.

CALLAGHAN O’HARE/BLOOMBERG/GETTY IMAGES

Similarly, you can also pay your miles for non-flight items such as United Club memberships, infight Wi-Fi purchases, TSA PreCheck, car rentals and hotel stays.

Moreover, you can transfer your miles to Marriott Bonvoy but any of these options will save you less from your mileage than the ones you would have used them for booking flights.

TPG’s director of content operations Andrea Rotondo recently earned 6,000 United miles for a one-way economy flight between Frankfurt and Vienna.

Low-cost mile redemptions aren’t just limited to domestic flights; you can also secure fantastic deals on international trips.

Rachel Craft, a travel writer, earned 88,000 United miles for ‘one-way business-class ticket to Antananarivo, Madagascar, from Denver on Ethiopian Airlines’. If she had paid in cash, that flight would have cost her about $9,000 if she was on that plane.

Related: How to redeem miles with the United MileagePlus program

Which cards compete with the United Quest Card?

A good fit One of these cards may be better if you want more United perks or can’t justify the annual fee on the United Quest Card.

• If you want United Club access: The

United Club Card

provides further United advantages, even if it is under . The annual fee is $695, but the United Club membership is $750 and it’s a higher perk than its own; this one perK justifies the card’ll cost annually. This card also offers more money for U.S purchases on United items, as does the card itself. Read our read To learn more, .

full review of the United Club Card

.

• If you want more flexible rewards: The

Chase Sapphire Preferred® Card

(see

rates and fees

The Bonus category is similar to ) and allows you to transfer your Chase Ultimate Rewards points to United or any of Chase’s other transfer partners. plus that is less expensive, with a fee of $95 per year. If you want to know more, read our review of .

full review of the Chase Sapphire Preferred

.

• If you want United benefits for a lower annual fee: The

United Explorer Card

U.S. purchases pay bonus miles for . A free checked bag for you and a companion but less expensive to hold, with $0 introductory annual fee for the first year then $150 afterward. read our review of to learn more.

full review of the United Explorer Card

.

For additional options, browse our full lists of best airline credit cards and best travel credit cards.

Related: United Quest vs. United Club: How premium do you want to go?

Is the United Quest Card worth it?

The $350 annual fee may sound a little high, but if you take advantage of the $200 TravelBank cash and check’standard bag on four one way United flights per year’, you’ll be out ahead.

Bottom line

A variety of benefits are available to United travelers and multiple travel perks can be used annually as part of the United Quest Card, which provides many advantages for United travellers. This card is a good choice for you if you’re sycophratic United flyer who wants to make the most of this set of benefits.

That being said, anyone wanting complimentary airport lounge access or more flexible rewards might choose a different route.

Apply here: United Quest Card

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