United Quest℠ Card
The middle child of United's lineup and the sweet spot for regular flyers. The $200 annual United travel credit and two free checked bags on every trip offset most of the $350 fee. You earn 10x total miles on United flights and can pick up two 10,000-mile award discounts a year. Lounge access is not included; that is the Club card's job.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 United travel credit every year, which cuts the effective fee to $150
- Free first and second checked bags for you and a companion
- Two 10,000-mile award flight discounts available each year
- 1,000 bonus PQP yearly plus 1 PQP per $20 spent, up to 18,000 PQP
- Up to $660 in yearly partner statement credits across Instacart, JSX, Renowned Hotels, rideshare and Avis or Budget
- 25% back on United inflight purchases and Club premium drinks
- Priority boarding and full trip protections
- Annual fee: $350
- Purchase APR: 19.74% - 28.24% Variable
- Intro APR: N/A
- Balance transfer APR: 19.74% - 28.24% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $10 or 5% of each transaction, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You fly United monthly or close to it; the travel credit and bag fees repay the fee fast
- You chase Premier status partly through spending; this card's PQP cap is 18,000 a year
- Your family checks two bags; the second-bag benefit is rare below the $695 tier
- You redeem miles often and will use both 10,000-mile award discounts
- You should skip it if you fly United a couple of times a year; the Explorer covers you for less
United Quest℠ Card Review
The United Quest℠ Card sits between the Explorer and the Club card, trading lounge access for cash-like United credits and award discounts. This review runs the numbers on the $350 fee and the status-earning engine.
How You Earn
United spending earns at double-digit total rates, and the 2x band covers most travel and dining.
- Up to 70,000 miles plus 500 PQP in the welcome offer
- 1,000 bonus PQP each year, then 1 PQP per $20 spent up to 18,000
| Category | Earn rate |
|---|---|
| Eligible United flights (total incl. member miles) | 10x miles |
| Renowned Hotels stays | 5x miles |
| Other eligible United purchases | 4x miles |
| Other travel, dining, select streaming | 2x miles |
| All other purchases | 1x miles |
How You Redeem
Miles redeem through MileagePlus, and the card's two annual 10,000-mile discounts effectively rebate award bookings.
- United and Star Alliance award flights
- 10,000-mile award discount each anniversary year
- Second 10,000-mile discount after $20,000 in calendar-year spend
Benefits and Protections
The credit stack is the story: United credit, partner credits and bag fees add up quickly for a traveling household.
- $200 United travel credit each year
- Free first and second checked bags for you and a companion
- Priority boarding and 25% back on inflight purchases
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
- Partner credits: up to $180 Instacart through 12/31/27, $150 JSX, $150 Renowned Hotels, $100 rideshare, $80 Avis and Budget
- Trip cancellation, trip delay, baggage delay, lost luggage and auto rental coverage
Who This Card Is For
Quest is built for the United regular who does not need a lounge. If you already buy Economy Plus or check two bags, the math works at $350.
- Monthly United flyers
- Status chasers using card spend for PQP
- Families checking multiple bags
Comparison
| Feature | United Quest℠ Card | Delta SkyMiles® Platinum American Express Card | Citi® / AAdvantage® Platinum Select® |
|---|---|---|---|
| Annual Fee | $350 | $350 | $0 intro first year, then $99 |
| Welcome Offer | Up to 70,000 miles + 500 PQP | As high as 90,000 miles plus $300 credit | 50,000 miles ($2,500 in 3 mo) |
| Rewards Rate | 10x total United flights, 2x travel, dining | 3x Delta and hotels, 2x dining, groceries | 2x AA, restaurants, gas stations |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Regular United flyers | Delta flyers wanting a companion cert | American Airlines flyers |
Issuer Comparison
| Feature | United Quest℠ Card | United℠ Explorer Card | United Club℠ Card |
|---|---|---|---|
| Annual Fee | $350 | $0 intro first year, then $150 | $695 |
| Welcome Offer | Up to 70,000 miles + 500 PQP | Up to 60,000 miles | Up to 90,000 miles |
| Rewards Rate | 10x total United flights, 2x travel, dining | 9x total United flights, 2x hotels, dining | 11x total United flights, 2x travel, dining |
| Key Credits | $200 United credit, two 10,000-mile discounts | 2 Club passes, $100 GE credit, partner credits | United Club membership, $925+ partner credits |
| Best For | Regular United flyers | Occasional United flyers | United Club regulars |
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