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Chase · credit
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Is the United Quest worth keeping when the fee hits?
Welcome offer — Offer varies — typically 70,000 bonus miles after $4,000 spend in 3 months Estimated by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | United purchases Inferred by source |
|---|---|
| 2× | All other travel, dining & select streaming Inferred by source |
| 1× | Everything else Inferred by source |
| United TravelBank credit | $200/yr · annual Inferred by sourceWhat is United TravelBank credit?TravelBank is United's stored-value account. Credit sits there as a balance you can put toward a United fare. On this card: $200 TravelBank cash each cardmember year Inferred by source |
|---|---|
| Global Entry / TSA PreCheck / NEXUS | $120/yr · one-time Inferred by sourceWhat is Global Entry / TSA PreCheck / NEXUS?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $120 every 4 years Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| Two free checked bags | For you and a companion on United-operated flights Inferred by source |
|---|---|
| Anniversary award-flight credits | Two 5,000-mile rebates per year after redeeming miles for United flights Inferred by source |
| Premier qualifying points | Earn 1 PQP per $20 spent (up to 18,000/yr) toward United elite status Inferred by source |
| Trip cancellation | Up to $1,500/person, $6,000/trip Inferred by source |
|---|---|
| Rental car CDW | Primary CDW coverage Inferred by source |
| Baggage | Up to $3,000 per passenger Inferred by source |
Using United Quest at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The United Quest℠ Card has a $350 annual fee.
Using its non-spend-gated credits fully, the United Quest℠ Card returns about $320 in value against its $350 annual fee — a net of −$30 per year. It only makes sense if you value its perks beyond the listed credits.
The United Quest℠ Card earns 3x on united purchases, 2x on all other travel, dining & select streaming, 1x on everything else.
No — the United Quest℠ Card does not include airport lounge access.
No — the United Quest℠ Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 70,000 bonus miles after $4,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.