United Quest Card Review 2023

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The United Quest℠ Card is providing a welcome bonus of 60,000 bonus miles and 500 Premier qualifying factors after you spend $4,000 on purchases within the first three months from account opening. That is an important deal, but it surely’s not the principle purpose to get the cardboard.

United Quest Card Overview: Is It the Finest Credit score Card for You?

The United Quest℠ Card costs an annual charge of $250, which is steep in comparison with different airline playing cards. But when you should utilize the cardboard’s advantages, you can also make up for the annual charge after which some. For instance, cardholders obtain:

• As much as $125 in annual assertion credit towards United purchases (like airfare and incidental charges)
• A 5,000-mile credit score (as much as twice a 12 months) after you full an eligible award flight on United, beginning in your first card anniversary
• A free first and second checked bag for your self and a companion if you use the cardboard to pay on your ticket (price $35 and $45 respectively)
• As much as $100 credit score each 4 years towards the International Entry, TSA PreCheck, or NEXUS software charge

You will additionally earn bonus miles in classes like journey, eating, and streaming providers, and obtain different useful journey and buy protections, together with main automobile rental insurance coverage, journey interruption/cancellation insurance coverage, journey delay safety, misplaced baggage reimbursement, and prolonged guarantee.

Earlier than you resolve on the United Quest℠ Card, make certain to take a look at different United bank cards just like the United℠ Explorer Card (annual charge of $0 intro for the primary 12 months, then $95) and United Membership℠ Infinite Card ($525 annual charge) to see if their advantages and perks are a greater match on your pockets.

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be price it in case you’re paying curiosity or late charges. When utilizing a bank card, it is essential to pay your stability in full every month, make funds on time, and solely spend what you possibly can afford to pay.

United Quest Card Rewards

Welcome bonus supply

The United Quest℠ Card is providing a bonus of 60,000 bonus miles and 500 Premier qualifying factors after you spend $4,000 on purchases within the first three months from account opening. In accordance with Insider’s factors and miles valuations, that is price round $780 in journey.

As a result of United miles by no means expire, you may give your stability an enormous enhance with the welcome bonus so you will have loads of miles to work with if you’re able to journey once more. And the additional PQP (Premier Qualifying Factors) from the welcome bonus might help you attain the subsequent stage of elite standing.

How you can earn miles with the United Quest bank card

The United Quest℠ Card makes it straightforward to earn a lot of United miles, even in case you’re not a frequent traveler.

Cardholders earn:

• 3 miles per greenback on eligible United purchases (after incomes the $125 United credit score) — together with airline tickets bought from United, United seat upgrades, Financial system Plus, inflight meals, drinks, and Wi-Fi, baggage service costs, different United charges, and United Card Occasions from Chase
• 2 miles per greenback on journey (together with airways, motels, motels, timeshares, automobile rental companies, cruise strains, journey companies, low cost journey websites, campgrounds, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking heaps and garages)
• 2 miles per greenback on eating (together with eligible supply providers)
• 2 miles per greenback on choose streaming providers (Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, HBO Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV, and Vudu)
• 1 mile per greenback on the whole lot else

How you can redeem miles from the United Quest

You may redeem United miles for award flights on United Airways or its companions, together with Star Alliance airways like Air Canada, Lufthansa, and Singapore Airways. As a result of United now not has an award chart, the variety of miles required for a flight varies based mostly on demand, paid ticket value, and season. United not too long ago elevated award flight costs to Europe, however different routes have not been affected as but.

One-way home economic system award tickets begin at 5,000 miles, however can vary as much as over 30,000 miles. Yow will discover saver enterprise or first-class awards inside the US for as few as 25,000 miles, but additionally as excessive as over 60,000 miles. From the US to different areas, anticipate to pay considerably extra. For instance, flights to Europe have a tendency to start out at 40,000 miles in economic system and 80,000 miles in enterprise class.

The United Quest℠ Card has a singular function that may put miles again in your pocket. Cardholders obtain a 5,000-mile credit score after they full a United award flight, as much as twice per 12 months (so a most of 10,000 miles per 12 months) beginning on the primary card anniversary. These 10,000 miles are price round $130 based mostly on Insider’s valuations, in order that’s one other perk that may successfully offset the cardboard’s annual charge.

When you’ve got no upcoming journey plans, there is no rush to spend your miles as a result of United miles do not expire. Nonetheless, you have bought different redemption choices, however you will usually get a a lot decrease worth:

• Seat upgrades
• United Membership memberships
• Inflight Wi-Fi passes
• TSA PreCheck software charges
• Merchandise
• Present playing cards
• Experiences
• Accommodations and cruises 
• Charitable donations

United Quest Card Advantages and Options

The United Quest℠ Card presents a considerable — and doubtlessly fairly useful — listing of advantages. Perks on United flights can prevent cash and make your journey extra snug, and protections like journey delay insurance coverage and first automobile rental insurance coverage may give you peace of thoughts (and preserve money in your pockets) if you’re on the street.

$125 United buy credit score

United Quest℠ Card cardholders obtain as much as $125 a 12 months in assertion credit towards eligible United purchases, so in case you fly United even annually, you must be capable of maximize this perk. Purchases that qualify embody:

• Airline tickets bought from United
• Seat upgrades
• Financial system Plus
• Inflight meals, drinks, and Wi-Fi
• Baggage charges 
• Different United charges
• United Card Occasions from Chase purchases 

Nonetheless, United tickets booked by way of some low cost journey web sites or as a part of a third-party journey bundle will not qualify, nor will United Cruises, United MileagePlus X, DIRECTV, and merchandise awards.

Free first and second checked bag

With the United Quest℠ Card, cardholders and one companion on the identical reservation can get a free first and second checked bag on United flights after they use the cardboard to pay for his or her ticket (or taxes and charges on an award ticket).

Contemplating United costs $35 for the primary checked bag and $45 for the subsequent, you are a round-trip financial savings of $160 per particular person in case you examine two baggage — and double that in case you journey with a companion. If you already know you will examine baggage on at the least one or two United flights within the coming 12 months, opening the United Quest℠ Card can prevent a ton of money, even factoring within the annual charge.

5,000-mile award ticket credit score 

Beginning on their first card anniversary, United Quest℠ Card cardholders can benefit from a 5,000-mile credit score as much as two occasions a 12 months after they redeem United miles for an award ticket. These credit shall be credited (for future software) to your account roughly 4 weeks after your card anniversary.

You will truly obtain the 5,000-mile rebate in your United account inside two weeks of finishing (not reserving) an eligible award flight. Eligible award flights are people who embody at the least one United- or United Categorical-operated flight, and should embody the first cardholder on the reservation. Unused credit will expire 12 months after subject, and you’ll’t switch, mix, or lengthen them.

International Entry, TSA PreCheck, or NEXUS credit score

Cardholders can obtain as much as $100 credit score for the NEXUS, International Entry, or TSA PreCheck software charge each 4 years. It is a perk many playing cards supply these days, so in case you’ve already enrolled in one in all these packages, you possibly can at all times use your card to pay a buddy or member of the family’s charge and nonetheless get the credit score.

Complimentary Premier Upgrades

United Premier members who’ve the United Quest℠ Card and are touring on an award ticket are eligible for complimentary Premier Upgrades on eligible home United-operated flights. This perk is for the first cardholder solely; journey companions or approved customers do not qualify.

Premier Qualifying Factors (PQP)

Cardholders obtain 500 Premier Qualifying Factors (PQP) for each $12,000 spent on purchases with the cardboard, as much as 6,000 PQP per calendar 12 months. That is useful in case you’re working towards the subsequent stage of elite standing and wish a lift.

Expanded United award availability

As with different Chase United bank cards, United Quest℠ Card cardholders get expanded United award availability, which implies you will have entry to extra obtainable award seats — with no blackout dates — in comparison with non-cardholders. This profit generally is a lifesaver in case you’re flying at quick discover or on high-demand routes or dates. 

Precedence boarding

Attending to board the airplane sooner has develop into much more essential nowadays, particularly if you wish to sanitize your seat space and have time to get settled in. When you’ve got the United Quest℠ Card, you will get precedence boarding for your self and your companions on the identical reservation.

This implies you will board earlier than basic boarding is known as, however after MileagePlus Premier members, prospects with Premier Entry, and vacationers requiring particular help.

25% again on inflight purchases

If you use your card to pay for eligible inflight purchases, you will get 25% again within the type of an announcement credit score. Qualifying purchases embody meals, drinks, and Wi-Fi onboard United- and United Categorical-operated flights, and the credit score ought to seem in your assertion inside 24 hours of the acquisition posting to your account. Approved customers get this profit, too.

Major automobile rental insurance coverage

The United Quest℠ Card is one in all solely a handful of playing cards that provide main automobile rental insurance coverage, which implies you are lined for losses with out having to invoice your personal insurance coverage first.

If you use the cardboard to pay on your rental and decline the rental firm’s collision harm waiver, you are lined for harm on account of collision or theft as much as the precise worth of the automobile for many automobile leases within the US and overseas. Make sure to learn the phrases and situations that include the cardboard for any exclusions.

Journey cancellation/interruption insurance coverage

In case you use the cardboard to pay for pre-paid, non-refundable passenger fares and should cancel or minimize your journey quick, you could be reimbursed as much as $1,500 per particular person and as much as $6,000 per journey. Coated conditions embody illness and extreme climate, however examine the phrases and situations for limitations.

Journey delay reimbursement

In case your flight or different journey on a standard provider is delayed by 12 hours or extra, or requires an in a single day keep, journey delay insurance coverage can cowl you and your loved ones for as much as $500 per ticket for unreimbursed bills, like meals and lodging.

Baggage delay insurance coverage

In case your bag is delayed by a standard provider (just like the airline) by six hours or extra, you may get reimbursement for important purchases like toiletries and clothes, as much as $100 a day for as much as three days.

Misplaced baggage reimbursement

Having the airline lose or harm your bag is the worst, however in case you used the United Quest℠ Card to pay on your ticket, you and your fast relations may very well be lined for as much as $3,000 per passenger.

Journey accident insurance coverage

No person desires to consider the worst taking place on trip, however if you pay on your air, bus, practice, or cruise transportation together with your United Quest℠ Card, you are eligible for unintentional demise or dismemberment protection of as much as $500,000. 

Buy safety

In case you use your United Quest℠ Card to pay for a brand new, eligible buy, buy safety might cowl you for as much as 120 days towards harm or theft, as much as $10,000 per declare, and $50,000 per 12 months. 

Prolonged guarantee safety

The United Quest℠ Card extends the US authentic producer’s guarantee on eligible objects by a 12 months, on warranties of three years or much less. This may prevent from having to pay for an costly prolonged guarantee on big-ticket objects.

Chase Luxurious Resort & Resort Assortment

United Quest℠ Card cardholders get entry to the Chase Luxurious Resort & Resort Assortment — a choice of upscale motels which provide elite-like perks if you e-book by way of this system.

You will get advantages like complimentary breakfast, distinctive advantages or credit (particular to every property, room upgrades, and different goodies like early check-in and late checkout (when obtainable). It is essential to check charges and perks by way of the Chase Luxurious Resort & Resort Assortment to reserving with the lodge straight; generally, you will pay extra by way of Chase and the advantages will not outweigh the extra price.

DoorDash DashPass profit

Chase added a 12 months of free DashPass membership to only about each one in all its co-branded playing cards, together with the United Quest℠ Card. Activation is required by December 31, 2024.

DashPass membership will get you free supply and diminished service charges on orders of $12 or extra, so this perk can prevent cash in case you order from DoorDash continuously. After 12 months of complimentary membership, you will be auto-enrolled for a month-to-month membership at full value (at present $9.99 a month) except you cancel.

United Quest Card Annual Payment and Different Prices

With a $250 annual charge, the United Quest℠ Card is not for everybody, however once more — in case you can profit from the cardboard’s advantages — it may be properly price it for United flyers. It would not add international transaction charges, so it is a good card to make use of for worldwide purchases.

Like most different playing cards, you will pay curiosity (at present a 21.49% – 28.49% Variable APR) in case you do not pay your stability in full every month. There are additionally charges in sure situations, together with:

• Money advance charges
• Steadiness switch charges
• Late cost charges 
• Returned cost charges

How the United Quest Card Compares

United Quest Card vs different United bank cards

United Quest card vs different airline bank cards

United Quest Card Regularly Requested Questions

Methodology: How We Reviewed the United Quest Card

The bank cards staff at Insider takes a take a look at many options when ranking every bank card product. We evaluated the United Quest℠ Card by pitting its key attributes towards different airline bank cards to check:

• Ease of use — Are the cardboard’s rewards straightforward to earn and use? Are there a number of choices for redeeming miles?
• Incomes potential — Is the cardboard’s rewards charge aggressive in comparison with related airline bank cards? If there are bonus classes, are they good for on a regular basis purchases, and are any of them capped at a most quantity of spending?
• Advantages — Airline bank cards often supply perks like free checked baggage, precedence boarding, journey insurance coverage, and varied airport advantages reminiscent of lounge entry or an expedited safety checkpoint expertise.
• Annual charge — Are the cardboard’s advantages price its yearly charge?

Learn extra about Insider’s methodology in our information to how we charge bank cards.