United QuestSM Card Review: Top 5 Travel Perks!

United Quest^SMCard Review: Benefits and Rewards Breakdown

The United QuestSM Card offers a range of valuable benefits tailored to those who are loyal to United Airlines and MileagePlus. In this detailed review, we will explore the United Quest credit card, its rewards structure, the card’s benefits, and whether it is worth the $350 annual fee.

The United QuestSM Card combines 90,000 bonus miles, Premier qualifying points (PQP), and premium perks such as free checked bags, priority boarding, and travel insurance. It is designed for individuals who travel frequently with United Airlines. But is it the right fit for you? Let’s explore all the features, including how to maximize rewards and the best strategies for utilizing its benefits.

Overview of United Quest℠ Card

The United QuestSM Card is a premium credit card offered by Chase United Quest. It’s specifically designed to reward United Airlines loyalists who want to earn miles and unlock exclusive travel perks. This card earns MileagePlus miles on every purchase and provides access to valuable benefits that enhance the travel experience.

Card Highlights

• Earn 90,000 bonus miles after spending $4,000 in the first 3 months.
• Earn up to 8x miles when booking United flights and get 5x miles on the ticket fare as a MileagePlus member.
• Earn 3x miles on United Airlines purchases, including tickets, upgrades, and in-flight items.
• Earn 2x miles on travel purchases like hotels, car rentals, and cruises.
• Earn 2x miles on dining, including eligible delivery services and select streaming subscriptions.
• 1x mile for every other purchase made on the card.
• Receive 500 Premier qualifying points (PQP) towards MileagePlus Premier status.
• Enjoy free checked bags for the cardholder and one companion on United flights.
• Get priority boarding on United flights for quicker boarding and convenience.
• $125 annual United purchase credit for flights, upgrades, or in-flight purchases.
• Global Entry or TSA PreCheck fee credit up to $100 for faster airport security.
• There are no foreign transaction fees, making it ideal for international travelers.
• Trip cancellation and interruption insurance for peace of mind during travel disruptions.
• Baggage delay insurance and lost luggage reimbursement to protect your belongings.
• 25% back on in-flight and Club premium drink purchases.
• The Visa Concierge will assist with travel and personal requests.
• Earn miles on hotel stays booked through United Hotels with 4x miles.
• MileagePlus miles never expire, offering long-term value.

Rates and Fees

• Annual Fee: $350, which covers numerous travel perks and rewards.
• APR: 20.49%–28.99% variable APR for purchases, depending on your creditworthiness.
• Cash Advance APR: 29.99% variable APR applies to cash advances.
• Cash Advance Fee: 5% of the amount, with a minimum fee of $10.
• Balance Transfer APR: 20.49%–28.99% variable APR, based on your credit profile.
• Balance Transfer Fee: 5% of the amount transferred, with a minimum fee of $5.
• Foreign Transaction Fee: $0, making it ideal for international travel.
• Late Payment Fee: Up to $40 if a payment is missed.
• Returned Payment Fee: Up to $40 if a payment is returned for insufficient funds.
• Over the limit Fee: There is no fee for exceeding your credit limit, but charges may apply if payments are missed.
• Additional Card Fee: $0 for adding authorized users to your account.

See Full Rates and Fee

The United QuestSM Card provides valuable benefits that justify its $350 annual fee. It offers a wide range of travel rewards and services. These fees are competitive for a premium travel card, especially considering the additional travel protections and United loyalty benefits. Keep in mind that the card offers no foreign transaction fees, making it ideal for global use.

Key Features of the United Quest^SM Card

• 90,000 bonus miles when you meet the spending requirement within the first 3 months of card ownership.
• 500 Premier qualifying points (PQP), which help you achieve MileagePlus Premier Status for even more benefits.
• Free checked bags for the cardholder and one companion.
• Priority boarding will make your travel more comfortable.
• The $125 annual United purchase credit can be used for a variety of purchases with United Airlines.

With these features in mind, the United QuestSM Card is a highly attractive option for United Airlines flyers who want to maximize their travel rewards and perks.

How Does the United Quest^SM Card Work?

1. Reward Structure: One of the standout features of the United QuestSM Card is its generous rewards program. The United Quest Card rewards are structured to help you earn a high rate of miles for all your purchases. Here’s a breakdown of how you can earn:

• 3x miles on United purchases: Every dollar spent on United Airlines purchases, including tickets, seat upgrades, and in-flight purchases, earns 3 MileagePlus miles. This is one of the highest earning rates available for purchases with an airline.
• 2x miles on travel: This includes all travel-related purchases, such as hotels, taxis, trains, car rentals, and cruise lines. If you book travel through United Airlines, you’ll earn 2x miles, which makes this card ideal for anyone who travels frequently.
• 2x miles on dining: Dining at restaurants, including delivery services like UberEats or Grub hub, also earns 2 MileagePlus miles per dollar spent. This feature is great for people who eat out often and want to boost their miles.
• 1x mile on all other purchases: For every dollar you spend on purchases that don’t fall under the above categories, you earn 1 mile.

If you’re looking for the best credit cards for United Airlines purchases, the United QuestSM Card provides a high earning rate, especially for United purchases.

2. 90K Bonus Miles & PQP: A major draw for new cardholders is the 90,000 bonus miles you can earn after spending $4,000 in the first 3 months. These bonus miles can significantly boost your MileagePlus balance, helping you earn award flights or even upgrade your seat to a higher class. If you’re wondering how to use 90,000 bonus miles with United Quest, the possibilities are wide-ranging. You can redeem them for:

• Award flights with United Airlines and its global partners.
• Hotel stays or car rentals.
• MileagePlus Premier status upgrades.

Additionally, the 500 Premier qualifying points (PQP) earned from the card will help you move closer to MileagePlus Premier status. This means that, in addition to bonus miles, you’re making progress toward achieving special benefits like complimentary seat upgrades and better access to priority boarding.

Benefits of the United QuestSM Card

The United QuestSM Card comes with a variety of valuable United credit card perks that enhance the travel experience for frequent flyers. Let’s dive deeper into these benefits:

1. Free Checked Bags: One of the most appreciated benefits of the United QuestSM Card is the free checked bags This benefit covers the cardholder and one companion, allowing them to check a first and second standard bag for free on eligible United flights. This can save you up to $360 per roundtrip for a family of four, making the United QuestSM Card an ideal choice for families or frequent travelers.
2. Priority Boarding: With priority boarding, United QuestSM Card members get to board earlier than general passengers, which helps secure overhead bin space for carry-ons. This perk ensures a smoother start to your journey and adds convenience, especially during busy travel periods.
3. Annual United Purchase Credit: The $125 annual United purchase credit is a useful benefit for a variety of purchases made with United Airlines. Whether you’re buying tickets, upgrading your seat, or purchasing in-flight food or beverages, this credit helps offset the annual Fee, essentially reducing the cost of ownership for the United QuestSM Card.
4. Travel Protection Benefits: In addition to rewards and perks, the United QuestSM Card offers robust travel protection benefits, which help protect you from the unexpected. These benefits include:

• Trip Cancellation and Interruption Insurance: This reimburses up to $1,500 per traveler for pre-paid, non-refundable expenses if your trip is cancelled or interrupted due to illness, injury, or severe weather.
• Lost Luggage Reimbursement: If your luggage is lost, damaged, or stolen during a trip, you can receive up to $3,000 per traveler in reimbursement.
• Trip Delay Reimbursement: If your flight is delayed for more than 12 hours, the United QuestSM Card can cover expenses like meals and lodging, up to $500.

5. Global Entry or TSA PreCheck Fee Credit: For travelers who want expedited airport security, the United QuestSM Card provides a Global Entry or TSA PreCheck fee credit. This benefit gives you up to a $100 statement credit for Global Entry or TSA PreCheck application fees, helping you breeze through security at participating airports.

Is the United QuestSM Card Worth the $350 Annual Fee?

When evaluating whether the United QuestSM Card is worth its $350 annual fee, it’s important to weigh the value of its benefits against the cost. Let’s break it down:

1. 90,000 bonus miles: These miles can be used for award flights or upgrades, giving you a great head start in your MileagePlus program.
2. Free checked bags: This benefit alone can save hundreds of dollars annually for a family or frequent traveler.
3. Priority boarding and $125 annual United purchase credit: These benefits add up to significant savings and convenience, especially for frequent United travelers.
4. Travel insurance: Protection against travel disruptions is an excellent bonus for anyone who travels often.
5. 500 Premier qualifying points (PQP): These points help you earn MileagePlus Premier status, which comes with additional perks such as complimentary seat upgrades and priority boarding.

In conclusion, if you fly United Airlines regularly and use the card’s rewards and benefits, the $350 annual fee can be easily justified.

How to Maximize Your United Quest^SM Card Rewards?

Too fully benefit from the United QuestSM Card rewards, here are some strategies you can implement:

1. Use the card for all United purchases: Whether you’re booking flights or upgrading your seat, always use the United QuestSM Card to earn 3x miles on United-related purchases.
2. Book travel through United Hotels: You can earn 4x miles on hotel stays booked through United Hotels. This is a great way to earn extra miles for travel-related expenses.
3. Take advantage of dining rewards: Don’t forget to use your card for dining and eligible delivery services to earn 2x miles.
4. Use the annual credits: Make sure you utilize your $125 United purchase credit each year for flights, seat upgrades, or in-flight purchases to get the most value from your card.

United Quest^SM Card vs Other United MileagePlus Cards

If you’re considering the United QuestSM Card, you might be comparing it to other United MileagePlus cards. Here’s how it compares to some alternatives:

1. United Explorer Card: This card has a lower $95 annual fee but offers fewer perks, like no Premier qualifying points (PQP) and no annual purchase credits. However, it does provide a free first checked bag for cardholders and companions and 2x miles on United purchases.
2. United Club Infinite Card: This card offers access to United Clubs, 4x miles on United purchases, and higher-end travel benefits but comes with a hefty $525 annual fee.

While the United QuestSM Card sits in between these options in terms of its annual fee, its combination of rewards, Premier qualifying points (PQP), and additional perks like priority boarding and the $125 annual United purchase credit make it an excellent choice for those who fly with United regularly.

Comparison of United Quest^SM Card vs United Club^SM Infinite Card vs United Gateways Credit Card vs UnitedSM Explorer Card

The United QuestSM Card offers a solid blend of rewards and benefits, but it is important to compare it with other United MileagePlus cards to find which best suits your needs. Below is a detailed comparison of the United QuestSM Card alongside the United ClubSM Infinite Card, United Gateways Credit Card, and UnitedSM Explorer Card. Each card has unique features, bonus offers, and fees.

Comparison of United QuestSM Card vs. United ClubSM Infinite Card vs. United GatewaySM Card vs. UnitedSM Explorer Card

Comparison Analysis

1. United QuestSM Card: Offers 90,000 bonus miles, a $350 annual fee, and 3x miles on United purchases. It includes a solid travel credit, free checked bags, and priority boarding.
2. United ClubSM Infinite Card: Highest annual fee ($525) but provides the largest bonus of 80,000 miles and United Club membership. It also offers 4x miles on United purchases and more luxurious travel benefits.
3. United GatewaySM Credit Card: Most affordable, with no annual fee and a 0% intro APR for 12 months. It’s great for those looking for a low-cost entry card with 2x miles on United purchases.
4. UnitedSM Explorer Card: Offers a lower annual fee of $0 for the first year, 50,000 bonus miles, and travel benefits like free first-checked bags, though it lacks the luxury features of the higher-tier cards.

Which One Is Worth Buying?

1. If you are willing to pay the $525 annual fee for premium benefits and the highest bonus miles, the United ClubSM Infinite Card is the best choice.
2. For travelers who want a balance of rewards and lower fees, the United QuestSM Card is an excellent option. It has a reasonable $350 annual fee and 90,000 bonus miles.
3. For those seeking a no-annual-fee card with basic travel rewards, the United GatewaySM Credit Card or UnitedSM Explorer Card will work well.

Why You Might Think About a Different Credit Card than United

Quest℠ Card?

The United QuestSM Card offers attractive rewards, travel benefits, and a generous 90,000 bonus miles after qualifying purchases. However, there are reasons why it might not be the best fit for everyone. Understanding your specific needs and preferences is key when choosing a credit card. While the United QuestSM Card offers 3x miles on United purchases and great perks like free checked bags, its $350 annual fee may not be ideal for those seeking a lower-cost option or cards with higher cashback rewards.

1. Higher Annual Fees: The $350 annual fee of the United QuestSM Card can be a turn-off for budget-conscious travelers. If you’re looking for a travel card with minimal fees, there are options with no annual fees or lower fees that offer similar or even better rewards.

2. Lower Miles on Non-United Purchases: While the United QuestSM Card offers 3x miles on United purchases, it provides only 2x miles on other travel. This might not be as appealing for those who travel across various airlines or prefer more versatile reward points.

Other Cards to Consider alternatives

If the United QuestSM Card doesn’t meet your needs, consider these alternatives:

1. Chase Sapphire Preferred® Card

• Best For: Earning points on general travel and dining.
• Annual Fee: $95
• Rewards: 2x points on travel & dining.
• Bonus: 60,000 points after spending $4,000 in the first 3 months.

2. Capital One Venture Rewards Credit Card

• Best For: Earning unlimited 2x miles on every purchase.
• Annual Fee: $95
• Rewards: 2x miles on all purchases.
• Bonus: 75,000 miles after spending $4,000 in the first 3 months.

3. Citi Premier® Card

• Best For: Earning 3x points on travel, including gas stations.
• Annual Fee: $95
• Rewards: 3x points on travel, 2x on dining & entertainment.
• Bonus: 60,000 points after spending $4,000 in the first 3 months.

Each of these cards provides unique benefits and lower fees, making them excellent choices if you’re looking for flexibility, higher rewards on general travel, or a more affordable option than the United Quest™ Card. Before choosing a credit card, consider your spending habits, travel preferences, and the benefits you value most.

• Visit the official application page for United Quest℠ Card on Chase’s official website.
• Click on “Apply Now” to begin the online application.
• Review the card’s features, rewards, and terms to ensure it fits your travel goals.
• Fill out the application with your personal and financial details:

  • Full name

  • Address

  • Social Security number

  • Income and employment info

• Double-check your information before submitting.
• A good to excellent credit score is usually required for approval.
• Consider checking your credit score before applying.
• If approved, you may be able to add the card to your mobile wallet instantly:

  • Apple Pay®

  • Google Pay™

  • Samsung Pay

• You can also apply in person at any Chase branch with the help of a banker.
• The application process is quick and usually takes only a few minutes.
• Always review the most up-to-date terms and offers on Chase’s website.

Frequently Asked Questions (FAQs)

Conclusion: Should You Get the United QuestSM Card?

The United QuestSM Card is a strong contender for anyone looking to earn MileagePlus miles while enjoying a range of premium travel perks. With its generous rewards structure, 90,000 bonus miles, free checked bags, priority boarding, and $125 annual United purchase credit, it’s a card that offers substantial value, especially for frequent United Airlines flyers.

If you’re considering the United QuestSM Card, the combination of miles, benefits, and travel protections makes it well worth the $350 annual fee—particularly if you regularly fly with United Airlines and seek to elevate your travel experience.