United Airways has a strong bank card lineup consisting of 4 private playing cards, with the United Quest℠ Card (see rates and fees) discovering itself in a candy spot.
This mid-tier product sits between the United℠ Explorer Card (see rates and fees), with a $0 introductory annual price for the primary 12 months after which a $150 annual price, and the United Club℠ Card, with a $695 annual price (see rates and fees).
The Quest Card encompasses a $350 annual price 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.
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.
Based mostly on TPG’s July 2025 valuations, the bonus factors are price $1,300 (not together with the PQPs). That is the most effective ever supply we’ve seen on this card, due to the beneficiant quantity of bonus PQPs.
Whereas the welcome supply could also be sufficient purpose to get you on board, the United Quest Card additionally has different perks that can 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 can assist offset the $350 annual price.
- As much as 20,000 miles in award flight reductions: Mechanically get a ten,000-mile low cost every cardholder anniversary (starting together with your first anniversary). You possibly can 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, in case you have United elite status.
- Resort credit score: As much as $150 in credit for Famend Resorts and Resorts
- Airline credit score: As much as $150 in JSX credit
- Rental automotive credit score: As much as $40 every in United TravelBank Money for the primary two Avis or Finances automotive leases booked by United Vehicles every account anniversary 12 months
- Experience-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 Economic 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 (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 a lot of the Quest’s $350 annual price. In the meantime, the cardboard provides two checked baggage free, a profit that can be discovered on the dearer $695-per-year United Membership Card.
The opposite perks — reminiscent of 25% again on United inflight purchases, no foreign transaction fees, a Global Entry or TSA PreCheck credit and travel 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 may 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 Resorts 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 dining and select streaming
- 1 mile per greenback spent on all different purchases
Who ought to get the United Quest Card?
Should you’ve determined you desire a United card, let’s slim down why the United Quest Card is perhaps the most effective match for you.
You fly United semi-frequently
There are key variations among the many United Explorer, Quest and Club playing cards.
In less complicated phrases, the Explorer card suits the “occasional United flyer” a few 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, nonetheless, reveals that the Quest Card is (largely) a superior card to the Explorer Card, although you will have to fly United a handful of occasions per 12 months to actually 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 12 months).
However for semifrequent United flyers, you may simply offset the Quest Card’s $350 annual price. The $200 in TravelBank money needs 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 examine two baggage — the Quest Card needs to be in your listing.
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 a great match for you. It doesn’t include any lounge privileges, and you do not get any visitor passes.
As a substitute, contemplate the United Club Card. The perennial perk of the Membership Card is a United Club membership, which generally prices $750 per 12 months for a common United MileagePlus member. As a substitute, you may pay $695 per 12 months and get entry to United Golf equipment for the first cardholder and one grownup companion and any kids underneath the age of 18 for so long as you maintain the cardboard.
You are over 5/24
As a way to be permitted for any Chase card topic to its 5/24 rule — together with the United Quest Card — you can not have opened 5 or extra private bank cards throughout all banks within the final 24 months. Should you’re over 5/24, contemplate a card from one other issuer.
Associated: What to do after you reach 5/24
You do not worth United miles
Should you do not personally contemplate United miles a useful forex, then the United Quest Card most likely does not make sense for you. As a substitute, you may have a look at a transferable points card, such because the Chase Sapphire Preferred® Card (see rates and fees), 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 12 months 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 wonderful limited-time welcome supply makes this card much more engaging.
To study extra, learn our full review of the United Quest Card.
Apply right here: United Quest Card
Associated: The best credit cards for flying United
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