United Airways has a stable bank card lineup consisting of 4 private playing cards, with the United Quest℠ Card (see charges and costs) discovering itself in a candy spot.
This mid-tier product sits between the United℠ Explorer Card (see charges and costs), with a $0 introductory annual price for the primary yr after which a $150 annual price, and the United Membership℠ Card, with a $695 annual price (see charges and costs).
The Quest Card includes a $350 annual price and lots of perks for semifrequent United flyers.
Past the preliminary welcome bonus, let’s dig a bit of deeper to see who ought to — and who should not — get the United Quest Card.
Key advantages
New candidates can earn 100,000 bonus miles and three,000 Premier qualifying factors after spending $4,000 on purchases within the first three months of account opening.
Primarily based on TPG’s July 2025 valuations, the bonus factors are price $1,300 (not together with the PQPs). That is the perfect ever provide we have seen on this card, because of the beneficiant quantity of bonus PQPs.
Whereas the welcome provide could also be sufficient purpose to get you on board, the United Quest Card additionally has different perks that may probably make you need to maintain on to it for the long term, together with:
- $200 credit score: After account opening and every anniversary yr, cardholders will obtain $200 in United TravelBank money that may assist offset the $350 annual price.
- As much as 20,000 miles in award flight reductions: Robotically get a ten,000-mile low cost every cardholder anniversary (starting along with your first anniversary). You may then earn one other 10,000-mile low cost after spending $20,000 in a calendar yr.
- Checked bag profit: Two free checked baggage for the cardholder and a companion on the reservation.
- Boarding and improve privileges: Precedence boarding and complimentary space-available upgrades when flying on award tickets, when you have United elite standing.
- Resort credit score: As much as $150 in credit for Famend Lodges and Resorts
- Airline credit score: As much as $150 in JSX credit
- Rental automobile credit score: As much as $40 every in United TravelBank Money for the primary two Avis or Price range automobile leases booked by United Automobiles every account anniversary yr
- Journey-hailing credit score: As much as $8 in month-to-month assertion credit for ride-hailing companies, plus a bonus of $4 (for a complete of $12) in December.
- Seat upgrades: Earn two international Financial system Plus upgrades after spending $40,000 on purchases every calendar yr in your card
- As much as a $120 credit score for International Entry or TSA PreCheck each 4 years
- 25% again on United inflight purchases (contains Wi-Fi, meals and drinks)
- No international transaction charges
- Journey cancellation/interruption insurance coverage and journey delay reimbursement
- Buy safety
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The $200 in TravelBank money is a good card profit that helps cowl many of the Quest’s $350 annual price. In the meantime, the cardboard affords two checked baggage free, a profit that can also be discovered on the costlier $695-per-year United Membership Card.
The opposite perks — equivalent to 25% again on United inflight purchases, no international transaction charges, a International Entry or TSA PreCheck credit score and journey protections — are additionally discovered on each the United Membership and Explorer.
Bonus class incomes charges
The United Quest Card has a reasonably broad array of bonus classes. You will earn:
- 8 miles per greenback spent on United flights (5 miles for being a MileagePlus member and three for being a Quest cardholder)
- 5 miles per greenback spent on pay as you go motels booked by Famend Lodges and Resorts
- 3 miles per greenback spent on United purchases
- 2 miles per greenback spent on all non-United journey
- 2 miles per greenback spent on eating and choose streaming
- 1 mile per greenback spent on all different purchases
Who ought to get the United Quest Card?
If you happen to’ve determined you need a United card, let’s slim down why the United Quest Card is likely to be the perfect match for you.
You fly United semi-frequently
There are key variations among the many United Explorer, Quest and Membership playing cards.
In less complicated phrases, the Explorer card suits the “occasional United flyer” a few times per yr mould, Quest cardholders match the “semifrequent United flyer” class and most Membership cardholders are “frequent United flyers” who take pleasure in lounge entry.
Taking a deeper dive into the advantages, nonetheless, exhibits that the Quest Card is (principally) a superior card to the Explorer Card, although you have to to fly United a handful of instances per yr to essentially make the cardboard price it.
The Explorer Card’s solely tangible benefit is 2 one-time United Membership passes (that the first or approved cardholder should be current to redeem) yearly and, after all, a decrease $150 annual price (that does not apply throughout your first cardholder yr).
However for semifrequent United flyers, you may simply offset the Quest Card’s $350 annual price. The $200 in TravelBank money ought to be simple to make use of and canopy a big portion of the annual price.
Lastly, if you’re a heavy packer — and ever plan to test two baggage — the Quest Card ought to be in your checklist.
Who should not get the United Quest Card?
You need United Membership lounge entry
If you need entry to United Membership lounges, the Quest is probably going not match for you. It doesn’t include any lounge privileges, and you do not get any visitor passes.
As a substitute, take into account the United Membership Card. The perennial perk of the Membership Card is a United Membership membership, which usually prices $750 per yr for a common United MileagePlus member. As a substitute, you may pay $695 per yr and get entry to United Golf equipment for the first cardholder and one grownup companion and any youngsters below the age of 18 for so long as you maintain the cardboard.
You are over 5/24
With a purpose to be authorised for any Chase card topic to its 5/24 rule — together with the United Quest Card — you can’t have opened 5 or extra private bank cards throughout all banks within the final 24 months. If you happen to’re over 5/24, take into account a card from one other issuer.
Associated: What to do after you attain 5/24
You do not worth United miles
If you happen to do not personally take into account United miles a worthwhile forex, then the United Quest Card in all probability does not make sense for you. As a substitute, you may have a look at a transferable factors card, such because the Chase Sapphire Most well-liked® Card (see charges and costs), that gives extra redemption flexibility.
Backside line
For individuals who plan to fly United, the United Quest Card is a terrific, mid-tier possibility. The $200 United journey credit score per yr makes the $350 annual price price it, particularly since it is a distinctive perk that is not duplicated on the opposite United bank cards. Plus, the superb limited-time welcome provide makes this card much more attractive.
To be taught extra, learn our full assessment of the United Quest Card.
Apply right here: United Quest Card
Associated: The most effective bank cards for flying United
