United Quest Card is offering 70,000 points after spending $4000 in 3 months with a $250 annual fee.. That's up 10,000 points over their standard offer of 60,000 after spending $4000 in 3 months. Offer expires 1/29/25
Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
---|---|---|---|---|---|
90,000 | $4,000 | 1.3 ¢ | $120 | $350 | $992 |
Best Value | Differentiating Perks | Rules |
---|---|---|
Int. Biz Class | $125 annual United purchase credit & 2 bags free for you & 1 companion | 5/24 , Chase 2/30 , Chase 4/6 |
Spend Categories
8X points
10.4¢ Per Dollar Spent
1X points
1.3¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
Card Benefits
Purchases include airline tickets purchased from United, Economy Plus seat upgrades, inflight food, beverages and Wi-Fi, baggage service charges,
You will receive up to $100 credit for TSA Precheck or Global Entry.
5,000 miles back on United- or United Express-operated award flights, up to two times per anniversary year.
The Primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year.
You and one traveling companion will each receive 2 free checked bags.
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Eligible warranties of 3 years or less can be extended up to 1 additional year.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. The limit is $500 per item, $1,000 per year.
Bottom Line
Among the pantheon of United specific cards on offer, we rank this one near the bottom, next to the United Gateway card. The 70k-mile sign-up bonus is nice. And the $125 annual United purchase credit offsets the $250 annual fee to $125 for the United Quest card. But if you fly United at least once per year, we’d still choose the United Explorer card. And if you fly United 3-4x+ per year, then we’d get the United Club Infinite card. If you’re at or coming up against your 5/24, then we’d suggest one of the two business cards.
Why You Might Want This Card
If you really don’t care about United Club access (or don’t live near an airport with a United Club but still fly United once or twice per year), then this card might be good for you, as the United Quest card does not offer access to a United Club among its benefits. It does offer a nice 70k sign-up bonus that comes along with a $250 annual fee. The two free checked bags are valuable and will offset the annual fee along with the $125 annual United purchase credit. There is also up to 10,000 miles (5k after you take a United award flight booked with your miles, up to 2 times every anniversary year) in award flight credits each year, priority boarding, a statement credit for TSA Precheck, Global Entry, or NEXUS every 4 years, a 25% statement credit on purchases on United operated flights, and several spending multipliers.
Exceptions To The Rule
Here are some exceptions where the card might not be good for you:
- You fly United more than a couple times per year and would get more value out of the United Club Infinite card (see “Where the United Explorer Fits in This Point Ecosystem” section below)
- You value United Club access more than a second checked bag (the United Quest card offers 2 checked bags but no United Club access while the United Explorer card gives you one free checked bag while offering 2 United Club passes per year)
About United MileagePlus
United Airlines MileagePlus is the most flexible rewards program for international flights, especially if you're invested in the Chase ecosystem. They tend to be more available and cost fewer points than Delta or American Airlines. (The biggest exception is Southwest to the Caribbean.)
With a little planning, you can get some fantastic redemption rates. Even if you have the Reserve Card 1.5x multiplier, we usually find better value using United's portal directly. For example, we booked first-class flights to Africa searching the "Business Saver" seats through United and got flights for 80,000 points. That would've cost 250,000 points through the Chase Portal.
Plus, being part of the Star Alliance, points have more flexibility in terms of global destinations, including smaller cities in Asia, Africa and other niche locations. So if you're focusing on international flights and/or Chase transfers, United is a great go-to for flexibility and solid value.
Where United Quest Fits In This Point Ecosystem
If you fly United 3 or more times per year, the United Club Infinite card offers United Club membership for the year, 2 free checked bags, but it does come with a $550 annual fee. We feel the fee might be tolerable for those flying United regularly. If you only fly United once or twice per year, the decision comes down to the Quest vs. the Explorer, and what you value more: the second checked bag (which the United Quest offers but the Explorer does not), or United Club access (the Explorer offers 2 United Club passes per year while the Quest offers none). They’re pretty even considering the $125 annual United purchase credit brings the higher annual fee of $250 for the Quest card closer to the $95 annual fee of the Explorer card.
If you are coming up against your 5/24, the United Business Card offers a 75k sign-up bonus with a $99 annual fee (waived for the first year), along with quite a few benefits to go along with it, like 2 United Club passes per year and a first checked bag for free. The United Club Business card is a step up, with a $450 annual fee (it currently has only a 50k sign-up bonus) that also offers United Club membership and quite a few spending multipliers.
Personal Experience
Application Rules
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Breaking Points

Time to stock up on United Points
- United Explorer Chase Card - 60,000 miles after spending $3000 in 3 months - Annual fee waived first year, then $95/year.
- United Quest Chase Card - 70,000 miles + 500 PQP after spending $4000 in 3 months - $250/annual fee.
- United Club Infinite Card - Up to 100,000 miles after spending $5000 in 3 months, using your promotional code & adding an authorized user - $525/annual fee.

Mini Points - December 2023
Limited Time Offers Going on NOW:
- United Explorer Chase Card - 60,000 Miles after spending $3000 in 3 Months - $95 Annual fee (waived the first year).
- United Quest Chase Card - 70,000 Miles after spending $4000 in 3 Months - $250 Annual fee (card comes with 5000 PQP).
- United Club Infinite Chase Card - 90,000 Miles after spending $5000 in 3 Months - $525 Annual fee (card comes with lot's of extras to off-set the annual fee).

United Sign Up Bonus on 3 different Cards
Chase United Cards have 3 Limited Time offers:
1. United Explorer - 60,000 Bonus miles after spending $3000 in 3 months, $95 annual fee is waived for the first year.
2. United Quest Card - 80,000 Bonus miles after spending $5000 in 3 months, $250 annual fee.
3. United Club Infinite Card - 100,000 Bonus miles after spending $5000 in 3 months, $525 annual fee.
Remember the higher the annual fee the more the card has to offer, so before you get scared away by that, look into if it makes sense for your upcoming travel plans.