United Quest Card Review Credits abound For Loyal United Customers
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Narrow your search with CardMatch Advertiser Disclosure <h1>United Quest℠ Card review Credits abound United loyalists</h1> Written by Personal Finance Writer Joe Cortez is a personal finance journalist contributing to Bankrate with a decade of experience as a financial journalist and over a decade of experience in the financial Nov. 8, 2022 Edited by Associate Editor Brendan Dyer holds a Master of Fine Arts in Journalism from Western Connecticut State University and worked previously as a content editor for Regional News Network, a hyper-local Reviewed by Senior Editor, Credit Card Product News Emily Sherman is a senior editor for CreditCards.com and Bankrate Credit Cards, specializing in product news and recommendations. She has worked as a writer and editor in the Nov. 8, 2022 <h3> Share</h3> Bankrate Logo <h2>Why you can trust Bankrate</h2> At Bankrate we strive to help you make smarter financial decisions. 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All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. <h3> ON THIS PAGE</h3> PREV NEXT <h2>Snapshot</h2> 4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bottom line The United Quest Card is a solid option for those who regularly travel with United Airlines and their international partners. With credits for airfare and in-flight purchases, award bookings and trusted travel programs, it’s easy to realize value in excess of the $250 annual fee. frequent flyer miles for their spend in two common spending categories: restaurants and streaming services. At the airport, the card helps unlock savings on trusted travel programs and purchases, offering passengers 25 percent cash back on in-flight purchases. The card also comes with a unique offer for cardholders after the first year of holding the card, qualifying them for two anniversary award flight credits that give them back up to 10,000 miles on award trips. If you're planning to apply for the Chase United Quest Card, you'll need excellent credit to get approved. While the card offers strong returns in United MileagePlus miles, you may want to pair it with a card earning in other categories to maximize your points earning potential. <h2>What are the advantages and disadvantages </h2> <h3>Pros</h3> Cardholders get a $125 annual United purchase credit starting when they open their account. Among all Chase United cards, the Quest card earns the most in two categories: 2 miles per $1 spent on other travel expenses and select streaming services. Up to 10,000 MileagePlus miles annually after your first card anniversary when booking travel on United or United Express-operated flights using your miles. <h3>Cons</h3> The $250 annual fee may be difficult to justify if you don’t spend a lot on travel or fly United Airlines with checked bags often. The 2 miles per $1 spent on select streaming services is limited to a short list of programs. The free first and second checked bags are limited to the primary cardholder and one companion on the same itinerary. <h2>A deeper look into the current card offer</h2> <h3>Quick highlights</h3> Rewards rate: Earn 3 United MileagePlus miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit; 2 miles per $1 spent on all other travel, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services and tolls; 2 miles per $1 on dining, including eligible delivery services; 2 miles per $1 spent on select streaming services; and 1 mile per $1 spent on all other purchases. Welcome offer: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Annual fee: $250 Purchase intro APR: none Balance transfer intro APR: none Regular APR: 19.49 to 26.49 percent variable <h3>Current welcome offer</h3> The Chase United Quest card currently offers a welcome offer of 80,000 United MileagePlus miles after spending $5,000 within the first three months your account is open. Considering we found the average price of domestic economy round-trip awards in United's busiest markets to be around 13,000 miles, the bonus could be worth as much as six flights. The actual value you get may vary based on your home airport, the class of service you are booking in and whether you are booking at peak or off-peak seasons. Compared to similar , the Chase United Quest Card offers an impressive welcome offer, making this a great card to consider if you anticipate spending $5,000 within three months of opening your card. Several other cards only offer 50,000 miles for a minimum spend between $2,000 and $2,500. Granted, you'll need to spend a bit more to earn the United Quest card bonus, but if you're already anticipating a high level of spending then the increased earning potential on the United Quest Card's welcome bonus is ideal. However, before you apply, make sure you have a plan to use the MileagePlus miles towards free flights after you earn them. If you don't live near an airport served by United or have to use more miles for a flight, you may want to carefully consider for your future plans. <h3>Rewards rate</h3> While earning extra miles for spending with the airline is common on cards for that specific airline, the United Quest Card stands out for three bonus categories: all travel not with United, dining and eligible delivery services and select streaming services. The categories make this card completely unique, potentially making it the for the most loyal customers. <h4>How you earn</h4> The Chase United Quest Card is the only card offering cardholders 3 miles per $1 spent on United purchases after spending $125 on airfare. Anytime you use the card to purchase United airfare, seat upgrades, in-flight food, beverages or Wi-Fi and other United fees, you could earn one base mile plus two bonus miles per $1. On the ground, there are three ways to earn bonus miles for everyday spending. Most travel purchases-including airfare on other airlines-restaurants and select streaming services qualify to earn 2 miles per $1 spent. If you are spending only in the bonus categories, this card could potentially offer you more miles than similar travel rewards cards. However, it may not be the best for everyday spending, because other purchases earn only 1 mile per $1 spent. You may want to consider splitting your spend between cards with different bonus categories, giving you the best return for your dollar. This is certainly the case if other cards you have are in the Chase Ultimate Rewards portfolio, like the or the . These cards will let you transfer points you earn to MileagePlus at a 1:1 ratio, putting all of your rewards earned in one place. <h4>How to redeem</h4> by using miles to buy flights (excluding taxes and fees) or upgrades to business or first class on flights purchased with cash. The best way to is for travel rewards aboard United Airlines and its Star Alliance partners. You could also use the miles for other rewards like merchandise and gift cards but your return is often much smaller than on travel rewards. <h2>How much are the rewards worth </h2> While United MileagePlus miles can help you see the world at a low overall price, the value of your miles is based on several different factors. For instance, it may vary based on the availability of reward flights, the price of flights in miles, the cash price or if you are booking international travel on one of United's Star Alliance partners. "Saver" awards are the cheapest award flights available but come with the most restrictions, while "Everyday" award flights cost more but are commonly available. According to The Points Guy, United MileagePlus miles are valued at roughly 1.13 cents each when used for flights. Because United doesn't use a fixed award chart for flights, the actual value can fluctuate, depending on how far ahead you book your flight. You could also trade in your miles for a variety of non-travel rewards, including magazine subscriptions, gift certificates, tickets to theater performances or flowers and gift baskets from FTD. However, these redemptions are the least valued rewards at anywhere between 0.5 and 0.8 cents per mile each. <h2>Other cardholder perks</h2> What truly makes the Chase United Quest Card a "must-have" for United customers are the many perks exclusive to this card. While the power to earn miles is good, the true value comes from the anniversary flight credits, free checked bags and trusted traveler program fee credit. <h3>$125 annual United purchase credit</h3> Starting on the first day you open the card, you qualify for a $125 statement credit each year on purchases directly from United. The credit counts on most purchases, including airline tickets, seat upgrades, in-flight purchases and United Card Events from Chase. However, United purchases from discount travel websites, as part of a third-party travel package and United Cruises bookings won't count. <h3>Two 5 000-mile anniversary award flight credits</h3> After the first year, cardholders booking award travel qualify to get a mileage credit when booking award travel. After taking a trip aboard flights operated by United or United Express using miles, cardholders will get 5,000 miles back in their MileagePlus accounts. This offer is good for two awards per anniversary year, offering up to 10,000 miles. Using the projected value of United Miles based on evaluations from The Points Guy, this annual 10,000 miles bonus is worth roughly $113. Combined with the $125 annual United purchase credit, cardholders-before any rewards calculations for spending-reap the benefits of at least $238 in cardholder perks from these two offers. This is just short of the card's $250 annual fee. <h3>First and second checked bags free</h3> While most credit cards offer only one free checked bag for the cardholder and companion, the United Quest card doubles the value for frequent flyers. The primary cardholder and one companion traveling on the same reservation can each receive their first and second checked bag for free when flying on United-operated flights. If both flyers take advantage of the offer, they would save up to $80 each way-or a total value of $320 per flight. <h3>25 percent rebate back inflight</h3> As is customary with airline credit cards, the United Quest Card offers flyers a 25 percent rebate back on in-flight purchases. Food, beverage and in-flight Wi-Fi all qualify for 25 percent back in the form of a statement credit. <h3>Global Entry or TSA PreCheck fee credit</h3> Once every four years, the primary cardholder can get a fee credit for enrolling in either TSA PreCheck or Global Entry trusted traveler programs. To qualify, the cardholder must use their United Quest card to pay for the enrollment fee, which will be returned as a statement credit. <h3>Travel insurance benefits</h3> What would a travel credit card be without travel insurance? When using your Chase United Quest card to pay for your airfare, travelers can qualify for certain protection benefits, including baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip cancellation or interruption insurance and travel accident insurance. <h3>Complimentary DashPass from DoorDash</h3> The United Quest card includes a complimentary DashPass membership from DoorDash. Cardholders and authorized users can get 12 months of DashPass when they activate their subscription with a United Quest card by March 31, 2022. <h2>Rates and fees</h2> One of the best perks of the United Quest Card is how it can help you avoid fees. Although it comes with a relatively high annual fee, this card can help you get out of other charges as you travel. Annual fee: The United Quest card comes with a $250 annual fee, which is in line with other mid-tier airline credit cards. But the card also comes with an annual $125 United statement credit, saving you money on your first airline purchase. If you fly with United on a regular basis, your yearly savings could add up well beyond $250. APR: Because it is a rewards card, the United Quest Card does not offer an introductory APR for purchases or balance transfers. Everyone will have a purchase APR between 19.49 and 26.49 percent, based on their creditworthiness. Foreign transaction fee: The United Quest Card has zero foreign transaction fees when using the card abroad. You can use the card anywhere Visa is accepted around the world without worrying about extra charges added to your purchase. Balance transfer fee: Although there is no introductory balance transfer APR, you may still transfer a balance to the United Quest Card. The fee is either $5 or 5 percent of the amount of each transfer (whichever is greater), and will share the same APR for purchases. Cash advance fee: If you choose to get a cash advance from your card, you will pay the greater of $10 or 5 percent of the amount of each transaction. Cash advances are subject to an APR of 27.99 percent. Penalty fees: If you submit your payment late or have a payment returned, you could face charges of up to $40 per incident. You could also face the penalty APR of up to 29.99 percent indefinitely. <h2>How the United Quest Card compares to other airline cards</h2> Each of the three major airlines offer miles-earning credit cards, but with different benefits and different annual fees. Your best overall value depends on which airline you fly the most, the overall benefits and the introductory offer. <h2>United Quest℠ Card</h2> star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. Annual fee Intro offer Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Rewards rate Earn 3X miles on United purchases. Earn 2x miles on dining including eligible delivery services, select streaming services, and all other travel 1X on all other purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. <h2>Delta SkyMiles® Platinum American Express Card</h2> on American Express's secure site Annual fee Intro offer Earn 50,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 6 months. Rewards rate Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. <h2>Citi® AAdvantage® Platinum Select® World Elite Mastercard® </h2> Annual fee Intro offer Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases within the first 3 months of account opening Rewards rate Earn 2 AAdvantage miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. <h3>United Quest Card vs. The Delta SkyMiles® Platinum American Express Card</h3> Both the United Quest Card and offer a similar value to cardholders who use each the respective card on airline purchases and bonus categories for the same annual fee. The key differences are the number of companions that get free checked bags, earning elite qualifying miles and lounge access. While the United Quest Card offers two free checked bags for the cardholder and one companion, the Delta SkyMiles Platinum American Express card offers one free checked bag for the cardholder and up to eight additional companions. While the checked bag benefits are nearly equal for a family of four, a large party traveling together could benefit more from the Delta card. In addition, the Delta card is better for those who value elite-level benefits without flying thousands of miles annually. The Delta SkyMiles Platinum American Express card offers discounted Delta Sky Club lounge access to cardholders for $39 per person, while the United Quest card doesn't offer a discount or annual lounge passes. Moreover, Delta SkyMiles cardholders can spend their way to earn an additional 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights. To get the most value from this card, you would have to be a regular Delta Air Lines flyer with a plan to spend at least $50,000 each year to earn both reward miles and elite qualifying miles. If Delta isn't your favorite airline, or if your goal is to gain reward miles only, the United Quest card could be a better option. <h3>United Quest Card vs the Citi® AAdvantage® Platinum Select® Mastercard® </h3> Unless you live in or near a city primarily served by American Airlines, the United Quest card may offer you more value over time. While the only offers bonus miles in two categories (restaurants and gas stations), the United Quest card offers bonus miles in wider spending categories and more miles for purchases with the airline. However, the Citi / AAdvantage Platinum Select Mastercard has a $95 annual fee waived in the first year, which is substantially lower than the United Quest Card's annual fee. Cardholders will also have their first checked bag free and for up to four travel companions on the same reservation. Although the annual fee is lower, rewards on the card are in fact lower and it includes fewer benefits for cardholders. <h3>Best cards to pair with this card</h3> While many different rewards cards would work well with the United Quest card, the optimal pairings depend on how you want to earn rewards with and your overall goals. If your goal is to earn as many United MileagePlus miles for your spending as possible, your best bet is to pair this card with either the Chase Sapphire Reserve or Chase Sapphire Preferred. Both cards earn , which convert to United MileagePlus miles at a 1:1 ratio. With quick delivery, either of the Sapphire cards offer points in different bonus categories than those offered on the United Quest card, letting you maximize your discounted air travel. If you already have a Chase Sapphire card or would rather pair your air travel with free hotel nights, it could be smart to consider the . In addition to earning up to 17X total points for every $1 spent at participating Marriott Bonvoy hotels, you will earn 2X points on other travel purchases, and receive 15 elite night credits per calendar year each account anniversary. Plus, if you earn Titanium or Ambassador status with Marriott Bonvoy, you can sign up for the RewardsPlus program for a status match to United MileagePlus Premier Silver. For those who would rather keep their travel plans flexible, pairing with a gives you more flexibility than earning points. The top cash back credit cards let you earn between 2 and 5 percent on your spending in a variety of categories and locations, giving you plenty of choices on where you want to earn cash back once you arrive at your destination. <h2>Bankrate s Take Is the United Quest Card worth it </h2> With a variety of credits available to cardholders-including the two 5,000-mile anniversary award flight credits-it's rather easy to get value in excess of the annual fee from the United Quest Card. Between the immediate $125 annual United purchase credit when buying airfare direct from the airline, the two free checked bags for you and one other person and the generous bonus categories, it's easy to see why the card is one of the best for regular United flyers. However, the card only offers value if United is your primary airline for U.S. travel. If you fly United regularly and book at least two award trips every year, this card may offer strong returns well into the future. If you want more flexibility in your trips and aren't necessarily loyal to one airline, then it may be wise to consider a general travel rewards card or cash back credit card. For rates and fees of the Delta SkyMiles Platinum card, please click <h3> ON THIS PAGE</h3> Written by Joe Cortez Personal Finance Writer Joe Cortez is a personal finance journalist contributing to Bankrate with a decade of experience as a financial journalist and over a decade of experience in the financial industry as a whole. Edited by Associate Editor Reviewed by Senior Editor, Credit Card Product News <h2> Advertiser Disclosure</h2> Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. 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