United Quest Card

Chase

$350

Annual Fee

visaGood → ExcellentNo Foreign Transaction Feeairlinelast month

Welcome Offer

100,000 pts(≈ $1350)Spend $4,000 within 3 months

OpenCard editorial analysis

Our take

A higher-fee United card for travelers with enough annual United activity to use its statement benefits, award features, and travel perks. It occupies an awkward middle ground when flying is inconsistent: more expensive than an entry airline card, but not a substitute for every premium airport benefit.

Best for

✓ Frequent United flyers
✓ Travelers redeeming United miles regularly
✓ Cardholders whose planned United purchases trigger the main recurring benefits

Not ideal for

— Infrequent flyers
— People without practical United routes
— Travelers seeking airline-neutral rewards

Conservative break-even test

Use the previous year's United transactions to value credits, bag savings, and award benefits. Subtract any fare premium paid to remain loyal and exclude the welcome offer. If planned United activity is uncertain, a lower-fee or flexible card is safer.

First year vs. ongoing year worksheet

Annual fee hurdle

$350

Issuer-data bonus estimate

$1,350

First-year net before credits

$1,000

For year two, remove the one-time welcome offer entirely. To recover a $350 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $35,000 in eligible annual spend before counting credits you would genuinely buy anyway.

Data reviewed 2026-07-29. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.

Compare alternatives

United Explorer →

Lower-fee fit for occasional United travelers.

Chase Sapphire Reserve →

Premium airline-neutral travel alternative.

Earning Rates

4×United purchases (airline tickets, seat upgrades, Economy Plus, inflight food/beverages/Wi-Fi, United fees)Earned on United purchases made directly with United

2×Dining at restaurants (including takeout and eligible delivery services)

2×Select streaming services

2×Other travelExcludes United purchases that qualify for 4 miles

1×All other purchases

5×Renowned Hotels and Resorts via Chase TravelPrepaid hotel accommodations booked through Chase Travel with Renowned Hotels and Resorts

Benefits & Credits

$200

United TravelBank Cash

$200/year United TravelBank credit, posts annually on account anniversary. Usable on flights, vacations, seat upgrades, checked bags.

/year

$150

Renowned Hotels & Resorts Credit

$150/year on prepaid hotels through Renowned Hotels and Resorts.

/year

$80

Avis/Budget TravelBank Credit

$40 per rental in United TravelBank cash, up to $80/year (2 rentals max), for Avis/Budget rentals booked through cars.united.com.

/year

$150

JSX Credit

$150/year on flights booked directly with JSX.

/year

$100

Rideshare Credit

Up to $100/year on rideshare purchases (requires yearly opt-in).

/year

$15

Instacart Credit

$10 + $5 monthly Instacart credits ($15/month, $180/year total).

/month

$10

DoorDash Non-Restaurant Credit

Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc.). Requires active DashPass enrollment. Per Chase cobrand-doordash terms.

/quarter

Hotel Status

Other Benefits

Insurance

Trip Delay

Rental InsurancePrimary (up to $60,000)

Application Rules

Sources

Last Updated: Jul 29, 2026