Who should (and shouldn’t) get the United Qu...

United Airways has a stable bank card lineup consisting of 4 private playing cards, with the United Quest℠ Card (see rates and fees) discovering itself in a little bit of a candy spot.

This mid-tier product sits between the United℠ Explorer Card (see rates and fees), with an $0 introductory annual payment for the primary 12 months after which a $150 annual payment, and the United Club℠ Card, with a $695 annual payment (see rates and fees).

The Quest Card contains a $350 annual payment and lots of perks for semifrequent United flyers.

Past the preliminary welcome bonus, let’s dig a bit deeper to see who ought to — and who should not — get the United Quest Card.

New candidates can earn 90,000 bonus miles and 500 Premier qualifying factors after spending $4,000 on purchases within the first three months from account opening. This supply ends Could 7. Based mostly on TPG’s April 2025 valuations, the bonus factors are value $1,215.

Whereas the welcome supply could also be sufficient motive to get you on board, the United Quest Card additionally has different perks that may probably make you wish to maintain on to it for the long term, together with:

• $200 credit score: After account opening and every anniversary 12 months, cardholders will obtain $200 in United TravelBank money that may assist offset the $350 annual payment.
• As much as 20,000 miles in award flight reductions: Routinely get a ten,00-mile low cost every cardholder anniversary (starting together with your first anniversary). You may then earn one other 10,000-mile low cost after spending $20,000 in a calendar 12 months.
• Checked bag profit: Two free checked bags 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, you probably have United elite status.

• Lodge credit score: As much as $150 in credit for Famend Inns 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 Finances automobile leases booked by way of United Vehicles every account anniversary 12 months.
• Trip-hailing credit score: As much as $8 in month-to-month assertion credit for ride-hailing providers, 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 12 months in your card.
• As much as a $120 credit score for Global Entry or TSA PreCheck each 4 years.
• 25% again on United inflight purchases (consists of Wi-Fi, meals and drinks).
• No overseas transaction charges.
• Journey cancellation/interruption insurance coverage and journey delay reimbursement.
• Buy safety.

The $200 in TravelBank money is a superb card profit that helps cowl many of the Quest’s $350 annual payment. In the meantime, the cardboard presents the primary and second checked luggage free, a profit that can also be discovered on the dearer $695-per-year United Membership Card.

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The opposite perks — resembling 25% again on United inflight purchases, no foreign transaction fees, a Global Entry or TSA PreCheck credit, and trip protection — are additionally discovered on each the United Membership Card and United Explorer Card.

• 8 miles per greenback spent on United flights
• 5 miles per greenback spent on pay as you go inns booked by way of Famend Inns and Resorts
• 3 miles per greenback spent on United purchases
• 2 miles per greenback spent on all journey
• 2 miles per greenback spent on dining
• 2 miles per greenback spent on select streaming
• 1 mile per greenback spent on all different purchases

If you happen to’ve determined you desire a United card, let’s slender down why the United Quest Card could be the very best match for you.

You fly United semifrequently

There are key variations among the many United Explorer, United Quest and United Club playing cards.

In easier phrases, the Explorer card matches the “occasional United flyer” a couple of times per 12 months 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, nevertheless, exhibits that the Quest Card is (principally) a superior card to the Explorer Card — although you will have to fly United a handful of instances per 12 months to essentially make the cardboard value it.

The one tangible benefit that the Explorer Card presents 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 payment (that does not apply throughout your first cardholder 12 months).

However for semifrequent United flyers, you’ll be able to simply offset the Quest Card’s $350 annual payment. First, the $200 in TravelBank money needs to be simple to make use of and canopy a big portion of the annual payment.

Lastly, in case you are a heavy packer — and ever plan to test two luggage — the Quest Card needs to be in your listing.

The United Quest Card doesn’t include any lounge privileges, and you aren’t getting any visitor passes.

If you need entry to United Membership lounges, the Quest is probably going not a very good match for you.

As a substitute, take into account the United Club Card. The perennial perk of the Membership Card is a United Club membership, which usually prices $750 per 12 months for a normal United MileagePlus member. As a substitute, you’ll be able to pay $695 per 12 months 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

In an effort to be authorized 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 reach 5/24

You do not worth United miles

If you happen to do not personally take into account United miles a helpful foreign money, then the United Quest Card most likely does not make sense for you. As a substitute, you’ll be able to look right into a transferable points card, such because the Chase Sapphire Preferred® Card (see rates and fees), that provides extra redemption flexibility.

To be taught extra, learn our full review of the United Quest Card.

Apply right here: United Quest Card

Associated: The best credit cards for flying United