United Quest Card Benefits, Credits & Annual Fee

• Avis or Budget Rental Car United Travel Credit (2 of 2)$40 / yrTrackable

  One of 2 $40 credits each anniversary year, one per Avis or Budget rental. Receive $40 in United TravelBank cash on each of your first two Avis or Budget car rentals per anniversary year, up to $80 total. To qualify, book through cars.united.com and pay with your card.

  Resets: Card anniversaryChecked Oct 1, 2026
• Ride-Hailing Statement Credit$8 / moTrackableEnrollment required

  After enrolling, receive up to $8 back per month on ride-hailing purchases, with the December credit bumped to $12 - totaling up to $100 per year. You must opt in each year to activate the benefit, and unused monthly credits do not roll over.

  Resets: MonthlyChecked May 20, 2026
• United TravelBank Cash Credit$200 / yrTrackable

  Receive $200 in United TravelBank cash when you open your account and again each anniversary year. Use it toward United- or United Express-operated flight purchases on united.com or the United app. Credits are valid for five years from issue.

  Resets: Card anniversaryChecked Sep 27, 2026
• Instacart Credits$15 / moTrackableEnrollment requiredMin charge $10

  Get one $10 credit and one $5 credit each month for purchases made directly through Instacart with your United Quest Card. That's up to $180 per calendar year; the benefit ends December 31, 2027.

  Resets: MonthlyChecked Sep 27, 2026
• Avis or Budget Rental Car United Travel Credit (1 of 2)$40 / yrTrackable

  One of 2 $40 credits each anniversary year, one per Avis or Budget rental. Receive $40 in United TravelBank cash on each of your first two Avis or Budget car rentals per anniversary year, up to $80 total. To qualify, book through cars.united.com and pay with your card.

  Resets: Card anniversaryChecked Oct 1, 2026
• Renowned Hotels and Resorts Statement Credit$150 / yrTrackable

  Get up to $150 back in statement credits each anniversary year on prepaid hotel stays. Book directly through Renowned Hotels and Resorts for United Cardmembers using your United Quest Card to qualify. Only prepaid bookings made through that portal count toward the credit.

  Resets: Card anniversaryChecked May 20, 2026
• JSX Flight Statement Credit$150 / yrTrackable

  Get up to $150 back as a statement credit each anniversary year on flights purchased directly through JSX with your United Quest Card. Annual means the year beginning with your account open date.

  Resets: Card anniversaryChecked Sep 14, 2026
• Global Entry, TSA PreCheck or NEXUS Application Fee Credit$120 / 4yrTrackable

  Get a statement credit of up to $120 to cover the application fee for Global Entry, TSA PreCheck, or NEXUS. Charge the fee to your United Quest Card and the credit is applied automatically. Available once every four years.

  Resets: Every 4 yearsChecked May 20, 2026

Travel Benefits

• Priority Boarding

  The primary cardmember and companions traveling on the same reservation are eligible for priority boarding on United- and United Express-operated flights. Include the primary cardmember MileagePlus number in the reservation. Authorized users are eligible only if they are on the same reservation as the primary cardmember. Codeshare partner-operated flights are not eligible.

  Checked Sep 14, 2026
• No Award Blackout Dates

  Book any United-operated flight with miles, any time. There are no award blackout dates or restrictions on when you can use your miles. Seats are still subject to availability.

  Checked Oct 7, 2026
• Premier award-ticket upgrade eligibility

  Primary cardmembers with United MileagePlus Premier status and one companion on the same reservation may receive complimentary upgrades on eligible United award tickets, subject to availability.

  Checked May 20, 2026
• Renowned Hotels and Resorts Booking Benefits

  Get daily breakfast for two, Wi-Fi and a $100 property credit on stays booked through Renowned Hotels and Resorts for United Cardmembers. Room upgrades and early check-in or late check-out are available only when the property can accommodate them.

  Checked Sep 27, 2026
• 25% Back on United Inflight and Club Premium Drink Purchases

  Get 25% back as a statement credit on food, beverages, and Wi-Fi purchased on board United-operated flights, plus United Club premium drinks. Pay with your United Quest Card at checkout for the discount to apply. Applies only to United-operated (not partner) flights.

  Checked May 20, 2026
• Annual 10,000-Mile Award Flight Discount (Anniversary)10,000 mi / yr

  Get a 10,000-mile discount applied toward an eligible United award flight each year on your card anniversary. The discount is available starting with your first anniversary and repeats every year thereafter.

  Checked Oct 7, 2026
• Award Flight Discount on Redemptions

  Save at least 10% on United award flights when redeeming miles, with the discount applied automatically at checkout. United Premier status members receive an even larger discount - up to 15% - depending on their status tier.

  Checked May 20, 2026
• First and Second Checked Bag Free

  You and one companion on your reservation each get the first and second checked bags free on United-operated flights. Pay for your ticket with this card and include your MileagePlus number at booking to activate the benefit.

  Checked May 20, 2026
• Global Economy Plus Seat Upgrades after $40K SpendTrackableMin spend $40,000

  Spend $40,000 on card purchases in a calendar year and earn 2 global Economy Plus seat upgrade certificates to use on eligible United flights. These certificates must be re-earned each year by hitting the $40,000 threshold.

  Resets: Calendar yearChecked Sep 13, 2026
• Award Flight Discount after $20K Spend10,000 mi / yrTrackableMin spend $20,000

  Earn one 10,000-mile award flight discount after spending $20,000 on purchases in a calendar year, usable toward an eligible United or United Express award flight. Distinct from the anniversary 10,000-mile award flight discount.

  Resets: Calendar yearChecked Sep 14, 2026

Airline Status

• Premier Qualifying Points (PQP) Earning via Card Spend

  Earn 1 Premier Qualifying Point (PQP) per $20 spent on the card, up to 18,000 PQPs per calendar year - enough to reach Platinum status on spending alone. PQPs count directly toward United MileagePlus elite status tiers.

  Checked Sep 27, 2026
• Annual Card Bonus PQP

  Receive 1,000 bonus Premier Qualifying Points (PQPs) each cardmember year to help advance toward United MileagePlus Premier status. The PQPs are deposited within 8 weeks of February 1, starting the calendar year after your account opens.

  Checked May 20, 2026

Rental Car

• Auto Rental Collision Damage Waiver

  Get primary collision and theft coverage on most rental vehicles with an MSRP of $125,000 or less, up to $60,000. Decline the rental company's collision insurance and charge the full rental cost to your United Quest Card. Coverage is primary, so your personal auto insurance is not billed first.

  Checked Oct 9, 2026

Travel Insurance

• Trip Cancellation and Interruption Insurance

  Get reimbursed up to $1,500 per covered traveler and $6,000 per trip for prepaid, non-refundable passenger fares if your trip is canceled or cut short. Covered reasons include sickness, severe weather, and other qualifying situations. Charge the trip fare to your card to be eligible.

  Checked Oct 9, 2026
• Trip Delay Reimbursement

  Get up to $500 per covered traveler to cover unreimbursed expenses like meals and lodging when your common carrier travel is delayed more than 12 hours or requires an overnight stay. Charge the trip to your United Quest Card to qualify.

  Checked Oct 9, 2026
• Baggage Delay Insurance

  Get up to $100 per day for up to 3 days to cover essential purchases - like toiletries and clothing - when your checked baggage is delayed more than 6 hours. Charge your travel to your United Quest Card to activate coverage.

  Checked Oct 9, 2026
• Lost Luggage Reimbursement

  Get reimbursed up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip. Charge your fare to your United Quest Card to be eligible for coverage.

  Checked Oct 9, 2026

Bonus Earnings

• 10x Miles on Eligible United Flights10x miles

  Earn 10 miles per dollar on eligible United flight purchases. This total combines miles from your card, your MileagePlus membership base earning, and any applicable elite status bonuses. Only United-operated flights booked through United qualify for the full rate.

  Checked Sep 30, 2026
• 5x Miles on Renowned Hotels and Resorts Bookings5x miles

  Earn 5 MileagePlus miles per dollar on hotel stays prepaid through Renowned Hotels and Resorts for United Cardmembers. You need to book directly through that portal to earn the elevated rate - stays booked elsewhere earn at a lower rate.

  Checked Sep 30, 2026
• 4x Miles on All Other Eligible United Purchases4x miles

  Earn 4 miles per dollar on eligible United purchases beyond flights - such as United gift cards, inflight purchases, and other United products. Pay with your United Quest Card to earn at this rate.

  Checked Oct 7, 2026
• 2x Miles on All Other Travel2x miles

  Earn 2 miles total for each $1 spent on all other travel, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services, and tolls. Excludes United purchases that qualify for the 4x United rate.

  Checked Oct 1, 2026
• 2x Miles on Dining2x miles

  Earn 2 miles total for each $1 spent on dining at restaurants, including takeout and eligible delivery services.

  Checked Sep 30, 2026
• 2x Miles on Select Streaming Services2x miles

  Earn 2 miles per dollar on select streaming service purchases when you pay with your United Quest Card. Not all streaming services qualify, so check your card's current list of eligible providers.

  Checked Sep 30, 2026
• 1x Mile on All Other Purchases1x miles

  Earn 1 mile per dollar on everyday purchases that don't fall into a higher bonus category. Use your United Quest Card anywhere it's accepted to accumulate miles on every dollar spent.

  Checked Sep 30, 2026

Purchase Protection

• Purchase Protection

  Eligible new purchases are covered against damage or theft for 120 days from the date of purchase, up to $10,000 per item. Pay with your United Quest Card to activate protection automatically.

  Checked Oct 9, 2026
• Extended Warranty Protection

  Get one additional year added to the original U.S. manufacturer's warranty on eligible items. Applies to products with existing warranties of three years or less, up to four years from the purchase date. Pay with your United Quest Card to qualify.

  Checked Oct 7, 2026

Concierge & Membership

• Visa Signature Concierge

  Get access to Visa Signature Concierge Service at any hour of the day. Contact the concierge when you need assistance; the service is available 24 hours a day.

  Checked Sep 27, 2026
• Complimentary Instacart+ MembershipEnrollment required

  Activate with the United Quest Card between 3/23/2025 and 12/31/2027 to receive 3 months of complimentary Instacart+ membership, then 50% off the then-current annual Instacart+ rate through 12/31/2027. After 12/31/2027 the membership auto-renews at the then-current annual rate unless canceled. Pay for the membership with this card to receive the promotional rate.

  Checked Sep 27, 2026

Entertainment

• MileagePlus Exclusives

  Use MileagePlus miles for experiences offered through MileagePlus Exclusives, such as dinners, sporting events, concerts and behind-the-scenes United visits. Browse available experiences and redeem miles for the ones you want; offerings vary.

  Checked Sep 27, 2026
• United Card Events

  Get opportunities to purchase private United Card events and experiences. Look for available cardmember events and buy access if an experience interests you; availability and prices vary.

  Checked Sep 27, 2026

Fees & Miscellaneous

• Miles Redemption for Card Charges

  Use miles earned with your card for a statement credit against United ticket purchases or your annual card membership fee. Redeem your miles toward those qualifying card charges rather than using them to book an award flight.

  Checked Sep 27, 2026
• No Foreign Transaction Fees

  Pay no foreign transaction fees on any purchases made outside the U.S. with your United Quest Card. This applies to all international transactions regardless of currency.

  Checked May 20, 2026
• Refer-a-Friend Bonus Miles10,000 mi / yr

  Earn 10,000 bonus miles for each friend who gets approved for a United MileagePlus Card through your referral. Share your referral with friends; you can earn up to 100,000 bonus miles per year.

  Checked Oct 7, 2026