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Chase recently launched its latest United co-brand card: the United Quest℠ Card which features a host of top-tier perks and built-in travel protection benefits.
United Quest Card highlights include an annual $125 United purchase credit, two 5,000-mile anniversary award flight credits issued each year, and free first and second checked bags. Plus you'll get access to United’s most underrated benefit—expanded United award space only open to cardholders and elite status members.
How does the United Quest Card compare to United’s other co-brand cards or those from rival carriers? Let’s dig into the details and find out.
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
- Up to a $125 United® purchase credit and two 5,000-mile anniversary award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
- Member FDIC
- 3 miles per $1 spent on United® purchases
- 2 miles per $1 spent on all other travel
- 2 miles per $1 spent at restaurants
- 2 miles per $1 spent on select streaming services
- 1 mile per $1 spent on all other purchases
United Quest Card Welcome Bonus
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
United Quest Card Feature Benefits
If you want some of the additional perks offered by the United Club Infinite (but without paying the premium $525 annual fee every year), the United Quest Card offers a full suite of high-value benefits that can easily account for the $250 annual fee year after year.
Free First and Second Checked Bags
The primary cardholder and a companion flying on the same reservation can check both their first and second bags free of charge on United flights.
United charges $35 per passenger each way for a first checked bag and $45 per passenger for a second checked bag. That's potentially $320 in savings from a single round-trip flight. That can more than account for the out-of-pocket expense of holding the card using just one benefit.
It's important to note that you need to use your card to pay for the flight to get your free bags. However, this perk also works for award flights booked with United miles, provided you use the card to cover the taxes and fees.
Annual $125 United Purchase Credit
The $125 annual United credit is an excellent addition to the United Quest Card. Qualifying purchases include airline tickets purchased from United, Economy Plus seat upgrades, inflight food, beverages and Wi-Fi, baggage service charges, and other United fees. Note that the credit renews each account anniversary rather than each calendar year.
We will assign this perk its full face value of $125 for a couple of reasons. First, you can put it towards airline tickets. This is often not the case with travel credits issued on other airline co-brand cards. Also, you should spend at least $125 per year on United purchases if you hold this card. The reality is, if you don't fly United at least a few times per year, you will get better value out of United's entry-level card, the United℠ Explorer Card.
Two 5,000-Mile Award Flight Credits Each Year
A unique benefit amongst United co-brand cards. Following your first card anniversary, you'll automatically get 5,000 miles back on United- or United Express-operated award flights, up to two times per anniversary year. That's potentially 10,000 miles back in your MileagePlus account when you take at least two award flights.
Access to Additional Award Availability and Premier Upgrades on Award Tickets
There's another card perk that can add a ton of value for United co-brand cardholders. Yet it's possibly the least talked about feature of these cards. Additional award space available only to United co-brand cardholders and elite status members.
We've written extensively about this perk in our guide to unlocking hidden award space on United flights, so we won't go into detail in this post. But it can often be the difference between landing a high-value award flight or paying cash to get where you want to go.
You'll also gain access to Premier Upgrades on award flights that are typically only available on revenue tickets. Just holding this card qualifies you for complimentary upgrades on United-operated award flights when there are seats available.
Additional United Quest Card Benefits
While the headline benefits alone can justify applying for the United Quest Card, it also comes packed with extra benefits, plus a host of purchase and travel protection benefits.
- 25% back as a statement credit on purchases of food, beverages, and Wi-Fi when paying with your United Quest Card
- Up to $100 Global Entry or TSA PreCheck fee credit every four years
- Priority boarding
- Primary rental car CDW coverage
- Baggage delay insurance and lost-luggage reimbursement
- Trip cancellation/interruption insurance
- Trip delay reimbursement
- Purchase protection
- Extended warranty protection
- No foreign transaction fees
- Access to the Luxury Hotel & Resort Collection
Outside of the premium United Club Infinite, United cards have not traditionally been the best way to earn United miles. Instead, it's been much better to earn Ultimate Rewards points since they can be transferred to United at a 1:1 ratio. However, the United Quest Card offers a relatively good return on spending when compared to other United cards.
- 3X on United Airlines purchases
- 2X on eligible travel purchases, at restaurants, and on eligible streaming services
- 1X on all other purchases
The United Quest Card is a completely new product from Chase. This card technically replaces the legacy United Platinum Class Visa card. But, you should still qualify for this card even if you currently hold another United card or have held one in the past.
Like all Chase cards, the United Quest Card is subject to Chase's 5/24 policy. If you've been approved for 5 or more credit cards from any issuer in the previous 24 months, you won't be approved for this card.
The Bottom Line
The United Quest Card is another great addition to Chase's stable of United co-brand rewards cards. With a great signup bonus of 60,000 bonus miles and 500 Premier qualifying points, this card should be on the radar of any United flyer under 5/24. And regular United flyers should get much more value from the card benefits than the annual fee will cost them each year.
The real question here is choosing between the United Quest Card or applying for a flexible rewards card like the Chase Sapphire Preferred® Card, which is offering a bonus of 60,000 Ultimate Rewards points after meeting the minimum spend.
Are you excited about the United Quest Card? Will you be adding one to your wallet?
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
- 5X points on Lyft rides through March 2025
- 5X points on travel purchased through Chase
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
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