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Chase · credit
Last updated
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 source |
|---|---|
| Global Entry / TSA PreCheck / NEXUS | $120/yr · one-time 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.