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ChaseChecked Oct 4, 2026

United Quest Card

90,000 United MileagePlus miles after you spend $4,000 in 3 months. $350 a year.

Welcome offer
Annual fee
Purchase APR
Foreign transaction fee

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender−$220−$220
Typical spender$905$5
Heavy spender$1,715$815
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months; not counted: 5x 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Worth more to a typical spender than about 65% of the 650 cards we track.
  • Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

90,000 miles

After you spend $4,000 on purchases in your first 3 months.

The 500 PQP are in addition to PQP earned from card purchases. The authorized-user bonus is awarded once for the first authorized user added. Bonus miles do not count toward Premier status.

Spending it takes$1,333 a monthfor 3 months
Tracking sinceOct 2, 2026history will chart every change

How you earn · United MileagePlus

  • 10× miles10x total miles on eligible United flights
  • 4× miles4x miles on all other eligible United purchases
  • 5× miles5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers
  • 2× miles2x miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
  • 2× miles2x miles on dining including eligible delivery services
  • 2× miles2x miles on select streaming services
  • 1× milesEverything else

Rates and fees

Rates and fees for the United Quest Card, each with its source
Annual fee
Purchase APRvariable
Foreign transactions

Carrying a balance? See how long it takes to pay off

Benefits

  • United TravelBank cash: $200 annual
  • Renowned Hotels and Resorts statement credit: $150 annual
  • Rideshare statement credit: $8 monthly
  • Rideshare statement credit: $12 other
  • Avis or Budget TravelBank cash: $40 other
  • Instacart credit: $10 monthly
  • Instacart credit: $5 monthly
  • JSX statement credit: $150 annual
  • Global Entry, TSA PreCheck or NEXUS application fee statement credit: $120 every 4 years
  • The primary Cardmember and one companion on the same reservation each receive their first and second standard checked bags free on United- and United Express-operated flights, subject to stated conditions.
  • Up to $120 every 4 years for Global Entry, TSA PreCheck or NEXUS application fees.
  • 1,000 Card Bonus PQP each year, beginning in the calendar year following account opening, if the account was open on December 31 of the prior year.
  • Earn 1 PQP for every $20 in purchases, up to 18,000 PQP per calendar year.
  • PQP can apply toward Premier status up to and including Premier 1K.
  • 10,000-mile award flight discount every account anniversary for eligible United or United Express award travel.
  • An additional 10,000-mile award flight discount after spending $20,000 on purchases in a calendar year.
  • At least 10% fewer miles on eligible United or United Express award flights for primary cardmembers without Premier status; Premier members receive at least 15% fewer miles.
  • Two global Economy Plus seat upgrades after spending $40,000 in purchases in a calendar year.
  • Group 2 priority boarding on United-operated flights for the primary Cardmember and companions on the same reservation.
  • 25% back as a statement credit on United and United Express onboard food, beverage and Wi-Fi purchases, Wi-Fi subscriptions, and United Club premium drink purchases.
  • Complimentary Premier Upgrades on select United and United Express award tickets for a primary Cardmember with Premier status and one companion, subject to availability.
  • Renowned Hotels and Resorts benefits include a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and room upgrade and early check-in/late check-out if available.
  • Complimentary Instacart+ membership for 3 months, followed by 50% off the then-current annual rate through 12/31/27; benefits end 12/31/27.
  • No foreign transaction fees.
  • No blackout dates for MileagePlus members booking United-operated flights with miles.
  • Trip cancellation: Up to $1,500 per covered traveler and $6,000 per trip
  • Baggage: Up to $100 per day for up to 3 days
  • Baggage: Up to $3,000 per covered traveler
  • Trip delay: Up to $500 per covered traveler
  • Rental car: Up to $60,000
  • Purchase protection: Up to $10,000 per item
  • Extended warranty: Up to four years from the date of purchase

Changes

Welcome bonus
90,000 United MileagePlus milesSep 29Oct 2Oct 4
  1. 70,000 United MileagePlus miles, plus 500 Premier qualifying points (PQP) · Sep 29, 2026 to Oct 2, 2026
  2. 90,000 United MileagePlus miles · Oct 2, 2026 to today

Only changes that held for at least three days on both sides count; one-day blips in a reading don't.

Questions

What is the annual fee?
$350 chase.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. chase.com, since Sep 29, 2026
What is the purchase APR?
19.99–28.49% APR chase.com, since Oct 2, 2026
Is there a welcome bonus?
90,000 United MileagePlus miles after $4,000 in purchases in 3 months. chase.com, since Oct 2, 2026

Other miles cards with fees over $300

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).