United Quest Card
$250/yr
Chase
United Quest Card
4.2
(876 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026United's mid-tier card stands out with its award flight rebate — get up to 10,000 miles back on two award flights per year. Two free checked bags, a United travel credit, and solid earning rates make it strong for regular United flyers.
Annual Fee
$250
Purchase APR
21.49% – 28.49%
Rewards
1x base rate
Sign-Up Bonus
$600 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The United Quest Card is best suited for experienced cardholders who united flyers who book award flights and check bags. The $250 annual fee pays for itself if you spend $25,000+/year on this card.
This card is great if you…
- Award flight rebate
- Two free checked bags
- United travel credit
- United flyers who book award flights and check bags
Consider another card if you…
- $250 annual fee
- Rebate capped at 10K miles
- Only worthwhile for United loyalists
- You prefer no annual fee or a lower-fee alternative
Rewards Breakdown
3x United, 2x other travel/dining/streaming, 1x everything else
| Category | Rate |
|---|---|
| United Airlines | 3x |
| Other Travel | 2x |
| Dining | 2x |
| Streaming | 2x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
United Airlines3x30%
Other Travel2x20%
Dining2x20%
Streaming2x20%
Everything else1x10%
Sign-Up Bonus
60,000 miles after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $250 |
| Purchase APR | 21.49% – 28.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Award flight rebate
Two free checked bags
United travel credit
Good everyday earning
$250 annual fee
Rebate capped at 10K miles
Only worthwhile for United loyalists
The Bottom Line
The Good: The United Quest Card stands out for its award flight rebate. The welcome bonus worth $600 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $250 annual fee. The $250 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the United Quest Card is one of our top-rated cards in its category. Make sure you'll earn at least $250 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the United Quest Card?▾
The United Quest Card has a $250 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the United Quest Card?▾
The United Quest Card currently offers a sign-up bonus worth approximately $600. 60,000 miles after spending $4,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the United Quest Card?▾
The United Quest Card earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the United Quest Card?▾
The United Quest Card is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the United Quest Card charge a foreign transaction fee?▾
No — the United Quest Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the United Quest Card?▾
The United Quest Card has a variable purchase APR of 21.49% – 28.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the United Quest Card best for?▾
The United Quest Card is best for United flyers who book award flights and check bags. A key advantage: award flight rebate.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $180Annual fee: $250
Spend at least $1,389/mo for the rewards to cover the $250 annual fee.
Based on 1x base rewards rate @ 1.5¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.2
876 reviews
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