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The information related to United Quest℠ Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
The United Quest℠ Card is great for collecting miles, as it offers a huge introductory offer, several bonus categories, and a miles bonus on award flights. The annual fee isn't cheap, but you can get a large portion of that back with an annual spending credit and free checked bags. Learn whether this airline card is the one for you in our full United Quest℠ Card review.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.99% - 28.99% Variable
Rewards
21.74% - 28.74% Variable
Annual Fee
$250
Welcome Offer Earn 70,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Earn 70,000 bonus miles
While it comes with a high annual fee, there is a deep bench of valuable perks for frequent United flyers.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This credit card is a good fit for: Frequent United flyers who want to save money and upgrade their travel experience. Those who book award flights often will benefit from this card's bonus miles.
There are quite a few benefits to carrying the United Quest℠ Card.
New cardholders can earn United MileagePlus Miles and 500 PQP after spending $4,000 on qualifying purchases in the first 3 months of opening an account, plus annual fee waived.
With a sizable bonus for a reasonable amount of spending, the United Quest℠ Card compares well to the best sign-up bonus credit cards. You could book multiple domestic or international flights with United miles. The value of United miles depends on how you use them, but you can generally get $0.01 to $0.015 per mile. Based on that, the sign-up bonus can be worth $600 to $900.
Each account anniversary year, you can get up to $125 in statement credits toward United purchases charged to your United Quest℠ Card. The credit covers most types of purchases made with United, including tickets, upgrades, baggage charges, other fees, and in-flight services. Travelers who fly with United should have no trouble using this spending credit.
The United Quest℠ Card earns miles on purchases. Here are the rates it offers:
You can earn plenty of extra miles with bonus rewards on United, travel, and restaurant spending. And select streaming services are a valuable bonus category that isn't offered by many travel rewards cards.
Every four years, you can get a statement credit of up to $100 toward a Global Entry or TSA PreCheck membership fee. All you need to do is charge the fee to your United Quest℠ Card. Each of these trusted traveler programs let you pass through expedited airport security. Global Entry offers faster security screening when entering the United States. TSA PreCheck has its own security lanes at U.S. airports.
Between the two options, Global Entry is the best choice. A Global Entry membership includes a TSA PreCheck membership, so you get to use both programs. If you sign up for TSA PreCheck, you'll only get the benefits of that program.
On United-operated flights, you and one travel companion on the same reservation can each check up to two bags for free. United's standard baggage charges are $35 for the first checked bag and $45 for the second. If you normally check one or two bags, then you'll save on every flight. You must purchase tickets with the United Quest℠ Card to qualify for this benefit.
After completing an eligible award flight with United, you'll receive a 5,000-mile credit to your frequent flyer account. You can get this credit up to twice per account anniversary year, for a total of 10,000 miles.
You and any travel companions on the same reservation will be eligible for priority boarding on United flights. To qualify, you must include your MileagePlus number in the reservation. Priority boarding gets you on the plane before the general boarding group, but after MileagePlus® Premier® members, travelers with Premier Access®, and those who need special assistance.
If you purchase food, beverages, or wifi on United-operated flights using your United Quest℠ Card, you'll receive 25% back as a statement credit.
On stays booked through The Luxury Hotel and Resort Collection, you get complimentary benefits courtesy of your United card. These benefits may include room upgrades, complimentary daily breakfast for two, early check-in and late check-out (if available), and more.
Read more: Best Hotel Credit Cards
Eligible travel purchases paid for with your United Quest℠ Card qualify for the following travel protections:
Many of the best credit cards offer complimentary protections while you shop, and this one is no exception. Here's what it offers on eligible spending:
If you do any traveling outside the United States, then you need a credit card with no foreign transaction fees. This card fits the bill, as you won't accumulate any extra charges on international purchases.
This card has a couple flaws you should know about before applying.
There's a $250 annual fee for the United Quest℠ Card, making it one of the more expensive airline credit cards. It does have more than enough benefits to justify the cost, assuming you can use them.
The card's $125 annual credit on United purchases effectively cuts the annual fee in half. Free checked bags, a high rewards rate, and up to 10,000 miles in award flight credits per year are also valuable perks. And the bonus miles you can earn as a new cardholder can save you thousands in airfare.
If there's one area where the United Quest℠ Card falls short, it's the lack of free airport lounge access. You won't get any sort of lounge access as a cardmember. This card is best for travelers who fly often but don't spend much time waiting around at the airport.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
The United Quest℠ Card is aimed at consumers with good credit, or a FICO® Score of at least 670. Keep in mind that your credit score isn't the only factor involved. Credit card companies also look at other details, including your income and debt, when deciding whether to approve you for a card.
Since Chase is the bank that issues this credit card, there's also an application rule you need to know about. It's called Chase's 5/24 rule. Chase will almost always deny an application if the consumer has opened five or more credit cards in the previous 24 months. To avoid an automatic denial, you'll need to be below that number.
This card is a great fit if you fly with United several times per year and you're the type of traveler who goes straight from security to the boarding area.
With its long list of benefits, the United Quest℠ Card can save you money every time you fly with the airline. You can check up to two bags for free, save on United purchases, and earn miles that can be redeemed for free flights. The only notable drawback is that this card doesn't have airport lounge access. If you don't need that, then this United Airlines credit card is an excellent choice.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The minimum starting credit limit for the United Quest℠ Card is $5,000. Depending on your income and creditworthiness, Chase could approve you for a higher amount. Some applicants have reported receiving credit limits of over $20,000.
This card typically arrives in the mail within seven to 10 business days after the application is approved.
Yes, authorized users on this card earn miles for the primary cardmember's account.
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