Who should (and shouldn’t) get the United Quest card?

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 candy spot.

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

The Quest Card contains a $350 annual charge and plenty 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.

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’ve seen on this card, due to 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 can doubtless 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 charge.
• As much as 20,000 miles in award flight reductions: Routinely get a ten,000-mile low cost every cardholder anniversary (starting together with your first anniversary). You’ll be able to 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, if in case you have United elite status.

• Lodge credit score: As much as $150 in credit for Famend Lodges 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 Automobiles every account anniversary 12 months
• Experience-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

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The $200 in TravelBank money is a good card profit that helps cowl many of the Quest’s $350 annual charge. In the meantime, the cardboard gives two checked luggage free, a profit that can be discovered on the dearer $695-per-year United Membership Card.

The opposite perks — akin to 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.

• 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 inns 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 dining and select streaming
• 1 mile per greenback spent on all different purchases

In the event you’ve determined you need a United card, let’s slender down why the United Quest Card may be the perfect 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 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, reveals that the Quest Card is (principally) a superior card to the Explorer Card, although you will have to fly United a handful of occasions per 12 months 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 licensed cardholder should be current to redeem) yearly and, in fact, a decrease $150 annual charge (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 charge. The $200 in TravelBank money must be straightforward to make use of and canopy a big portion of the annual charge.

Lastly, in case you are a heavy packer — and ever plan to examine two luggage — the Quest Card must be in your record.

If you would like 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 aren’t getting any visitor passes.

As a substitute, take into account 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 basic 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 below the age of 18 for so long as you maintain the cardboard.

You are over 5/24

With a view to be permitted 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. In the event you’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

In the event you do not personally take into account United miles a helpful 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 points card, such because the Chase Sapphire Preferred® Card (see rates and fees), that provides extra redemption flexibility.

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