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United Quest℠ Card

Credit needed
Good, Excellent
APR
16.49% to 23.49%
Annual Fee
$250

Card Summary

Chase's United Quest Card, a co-branded airline credit cards from Chase, is the United Quest Card.

The card is a good companion to frequent United Flyers, as it offers 80,000 bonus miles and 3 miles for every dollar on qualified United Airlines purchases.

The credit card has a $250 annual fee, which can be quite high and the potential for a higher annual percentage rate.

Card Summary - Cons

Rates and fees

Issuer Name
Chase
Penalty APR
Maximum 29.99%
Credit Needed
Good, Excellent
Balance Transfer Fee
The transfer amount must be either $5 or 5%, depending on which is higher.
Annual Fee
$250
Cash Advance Fee
You can choose to pay $10 or 5% depending on the transaction amount.
APR
16.49% to 23.49%
Foreign Transaction Fee
$0
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The Best Features

You can receive a welcome bonus of up to 100,000 miles. After spending $5,000 in your first three months, you can get 80,000 bonus miles.

Up to 3 Miles per Dollar: Get 3 Miles per Dollar on United Purchases made using your United Quest Card You can also earn 2 miles for every dollar you spend on restaurants, streaming services and other travel items.

MileagePlus Anniversary Award: You will receive 5,000 miles after using your card for a year. Each anniversary year, cardholders have the opportunity to earn two 5,000-mile awards. This resets at your account anniversary.

Checked bags free of charge: One travel companion and you can both check 2 standard bags on United flights with no additional cost if your United Quest Card is used to purchase tickets $125.

Annual United Purchase Credit: Each account anniversary year, you will receive $125 in credit for United purchases that were charged to your United Quest Card.

Rewards

Sign up bonus

APR Requirements

Drawbacks

A $250 annual fee for the United Quest Card. This fee may be offset by your spending patterns and travel goals.

There are limited redemption options for cardholders: MileagePlus miles can only be used by Cardholders.

High APRs: United Quest Card has a variable rate of 16.49% to 23.49% on balance transfers and purchases, depending on creditworthiness.

Late or unpaid payments may lead to a penalty APR up to 29.99%, which could be extended indefinitely.

Highlights

After you have spent $5,000 in your first three months of opening an account, earn 80,000 bonus miles. $250 annual fee. Get 3x United, 2x dining points, selected streaming services, and all travel.

1x for all purchases, get 3x Miles on United Purchases get 2x Miles on Select Dining Services, including Some Streaming Services.

All other travel earn 2x miles All other purchases earn 1x Mile You will receive $125 in United, and 2 5k mile anniversary flight credit points. These terms apply.

Benefits

Comparative Analysis with Other Cards

United Quest Card vs. United Explorer Card

These two Chase co-branded credit cards offer travel rewards credit cards with Chase. They have a different annual fee and earning rate. While the United Quest Card has a $250 annual cost, the United Explorer Card does not have a $95 annual charge.

The first year of the United Explorer Card is free. The United Quest Card also offers slightly higher rewards earning rates.

United Quest Card earns three miles per $1 on eligible United purchase; two miles per $2 on all dining and streaming services; and one mile per Dollar on every other transaction.

The United Explorer Card, on the other hand, earns 2 miles per $1 on United purchases and stays bookings directly with restaurants or hotels. It also gets 1 mile for every dollar spent. Both the United Quest Card (and the United Explorer Card) offer the same benefits in travel and protection.

Both cards offer priority boarding and complimentary seat upgrades. They also give 25% credit for United In-Flight Purchases. The cards have identical fraud, travel and purchase protections.

They also offer up to $100 statement credit towards the Global Entry fee or TSA Precheck application fees. The foreign transaction fees are not charged by either card.

The United Quest Card offers two checked bags free for you and your traveling companion. However, the United Explorer Card gives you one checked bag free for each member. These cards also offer different benefits for your account's anniversary.

You can also expect different account anniversary benefits with these cards. The United Explorer Card gives you two United Club lounge passes worth $59 each.

Additionally, the United Quest Card allows for up to $125 per year credit towards United purchases that are made through your account.

United Quest Card Vs. American Express Gold Card

With the United Quest Card, you can bank miles and earn Membership Rewards points. United MileagePlus points have less flexibility that United MileagePlus, but can still be used to purchase merchandise or travel. They also allow you to transfer your miles and credits to frequent flyer partners. United is not a travel partner. However, it does include Delta Air Lines and JetBlue Airways.

American Express Gold Card offers four points per $1 at U.S. restaurants, supermarkets and take-out; three points per $ on direct flights with airlines and on AmEx's travel website; one point for other eligible purchases.

While both cards provide travel assistance, only the American Express Gold Card provides a 24 hour hotline for financial, medical or other emergencies.

The annual fees for each card are $250, but there is no foreign transaction fee. Both cards offer baggage insurance.

However, the United Quest Card offers more coverage at $3,000 per passenger. This compares to up to $1250 per carry-on and $500 for checked bags for the American Express Gold Card.

The American Express Gold Card extends the coverage to luggage on ships, trains and buses. The United Quest Card offers a $125 credit per year for United purchases.

The American Express Gold Card provides you with up to $10 monthly statement credits towards purchases at Grub hub and Seamless as well as Ruth's Chris Steak House Boxed, Ruth's Chris Steak House Boxed, Boxed, participating Shake Shacks.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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