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United Quest

$350 / yr · Earns Ultimate Rewards

A United Airlines co-branded card with a $350 annual fee, best suited for frequent United flyers who can use the $200 flight credit, free checked bags, and multiple partner credits to offset the cost and earn MileagePlus miles.

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Earning rates

CategoryRateNotes
Flights10x
Hotels5x
Streaming2x
Everything else1x

Benefits

Welcome Bonus

  • Authorized User Bonus Miles10,000 mi

    Earn 10,000 bonus MileagePlus miles by adding an authorized user to your account within the first 3 months of opening it. These miles are credited to the primary cardholder's account and are separate from the main welcome bonus spending requirement.

  • Welcome Bonus Miles and PQPs90,000 mi

    Earn 90,000 bonus MileagePlus miles and 3,000 Premier Qualifying Points (PQPs) after spending $4,000 on purchases in the first 3 months your account is open. The 3,000 PQPs count toward United Premier elite status on top of what you earn from regular card spending.

Bonus Earnings

  • 10x Miles on Eligible United Flights

    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.

    Resets: Yearly
  • 5x Miles on Renowned Hotels and Resorts Bookings

    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.

    Resets: Yearly
  • 4x Miles on All Other Eligible United Purchases

    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.

    Resets: Yearly
  • Award Flight Discount after $20K Spend

    Reach $20,000 in card purchases within a calendar year and earn an extra 10,000-mile discount on a United award flight. This stacks on top of the anniversary mile discount that comes with the card and must be re-earned each calendar year.

    Resets: Yearly
  • 2x Miles on Select Streaming Services

    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.

    Resets: Yearly
  • 1x Miles on All Other Purchases

    Earn 1 MileagePlus mile per dollar on any purchases that don't fall into a higher bonus category. This base rate applies automatically to all eligible transactions.

    Resets: Yearly
  • PQP Earning from Card Spend

    Earn 1 Premier Qualifying Point (PQP) for every $20 you spend on the card, up to 18,000 PQPs per calendar year. These PQPs count toward United MileagePlus Premier elite status and the cap resets each year.

    Resets: Yearly
  • Card Bonus PQPs Each Year

    Receive 1,000 bonus Premier Qualifying Points (PQPs) automatically each cardmember year with no spending requirement. These PQPs count toward United MileagePlus Premier elite status tiers.

    Resets: Yearly
  • 1x Mile on All Other Purchases

    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.

    Resets: Yearly

Statement Credits

  • 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: Monthly
  • JSX Flights Statement Credit$150 / yrTrackable

    Receive up to $150 back per anniversary year as a statement credit on flights booked directly with JSX, a hop-on regional jet service. Pay with your card when booking to qualify for the credit.

    Resets: Yearly
  • 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: Yearly
  • Instacart Credits$15 / moTrackable

    Get one $10 and one $5 Instacart credit each month, up to $180 total per calendar year, on purchases made directly through Instacart. Pay with your United Quest Card to receive the credits automatically. This benefit is available through December 31, 2027.

    Resets: Monthly
  • Bonus Award Flight Mile Discount for High Spend

    Spend $20,000 on purchases within a calendar year and earn an additional 10,000-mile discount toward a United award flight. This is on top of the standard anniversary award discount and must be re-earned each calendar year.

    Resets: Yearly
  • Avis or Budget Rental Car United Travel Credit$80 / yrTrackable

    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: Yearly
  • 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: Yearly
  • JSX Flight Statement Credit$150 / yrTrackable

    Get up to $150 back as a statement credit each anniversary year on JSX flights. Book directly with JSX and pay with your United Quest Card to earn the credit. Only direct JSX bookings qualify.

    Resets: Yearly
  • 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 years

Travel Benefits

  • Global Economy Plus Seat Upgrades after $40K Spend

    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: Yearly
  • Global Economy Plus Seat Upgrades for High Spend

    Primary cardmembers with United MileagePlus Premier status can get complimentary upgrades when traveling on an award ticket, plus one companion on the same reservation. Upgrades apply to select United- and United Express-operated flights, subject to availability.

    Resets: Yearly
  • 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.

    Resets: Yearly
  • United Inflight Purchase Rebate

    Pay with your card for food, drinks, or Wi-Fi on United-operated flights and receive 25% back as a statement credit. The rebate is applied automatically once the purchase posts to your account.

    Resets: Yearly
  • Annual 10,000-Mile Award Flight Discount (Anniversary)

    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.

    Resets: Yearly
  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly

Airline Status

  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly

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.

    Resets: Yearly

Travel Insurance

  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly

Purchase Protection

  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly

Concierge & Membership

  • DashPass Complimentary Membership

    Get one year of complimentary DashPass membership, which unlocks $0 delivery fees and reduced service fees on eligible DoorDash and Caviar orders. Activate the membership through DoorDash using your card.

Fees & Miscellaneous

  • 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.

    Resets: Yearly
Cards with similar benefits:Hotel CreditsGeneral Travel CreditsGlobal Entry / TSA PreCheck CreditsGrocery & Delivery CreditsStreaming & Entertainment Credits
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