United Quest Card
90,000 United MileagePlus miles after you spend $4,000 in 3 months. $350 a year.
- Welcome offer
- Issuer's pagechase.com
“Earn up to 90,000 bonus miles + 500 Premier qualifying points (PQP)”
- Annual fee
- Issuer's pagechase.com
“$350 †”
- Purchase APR
- Issuer's pagechase.com
“19.99%– 28.49% variable APR. †”
- Foreign transaction fee
- Issuer's pagechase.com
“No Foreign Transaction Fees”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| 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.
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
| Annual fee | Issuer's pagechase.com “$350 †” |
|---|---|
| Purchase APR | Issuer's pagechase.com “19.99%– 28.49% variable APR. †” |
| Foreign transactions | Issuer's pagechase.com “No Foreign Transaction Fees” |
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
- 70,000 United MileagePlus miles, plus 500 Premier qualifying points (PQP) · Sep 29, 2026 to Oct 2, 2026
- 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
- Capital One Venture X BusinessCapital One · $395 a year+$255 a year
- Venture X RewardsCapital One · $395 a year+$200 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year+$55 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).