United Quest Card

Chase's United Travel Card

Annual Fee $350

Earning Rate 3x United • 2x travel • 2x dining • 2x streaming • 1x everything else

Welcome Bonus 70,000 miles + 1,000 Premier qualifying points after $4,000 spend in 3 months

Card Material Plastic card with matte finish

Practical Recommendation

If you fly United a few times a year, this is the "set it and forget it" pick: two free checked bags for you and a companion, early boarding, and an automatic $200 in United TravelBank each year. Add the simple 2x on travel and dining and you are already close to break-even.

The extra award-flight discounts (10,000 miles at each anniversary and another 10,000 miles after $20,000 in annual spend) plus the ability to earn Premier qualifying points (status points) via spend are nice—but only if you'll use them. Bottom line: United flyers who value free bags and a guaranteed $200 flight offset will be happy here.

Credits

Practical Advice

This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.

$200 United TravelBank Credit – Once after account opening and every account anniversary, $200 in United TravelBank cash is deposited to your MileagePlus account for United or United Express flights. Valid 12 months from issue; use on united.com/app; cannot combine with travel certificates or Money + Miles. Good if you buy even one United ticket a year.
Renowned Hotels and Resorts Credit (up to $150/yr) – Up to $150 back in statement credits each anniversary year when you prepay hotel stays through Renowned Hotels and Resorts for United cardmembers. Prices/selection differ from booking direct; benefits like breakfast and credits are property-specific. Worth it if you'll actually use the program.
Rideshare Credit (up to $100/yr) – Enroll, then get up to $8 back per month Jan–Nov and up to $12 back in Dec on rideshare purchases paid with the card. Yearly opt-in required; unused monthly amounts do not roll. Easy value if you ride monthly; $0 if you do not enroll.
Avis/Budget Credit (up to $80/yr) – Get $40 in United TravelBank cash for each of your first two Avis or Budget rentals per anniversary year when booked via cars.united.com and paid with the card. TravelBank rules apply; third-party bookings do not qualify. Nice if you rent twice.
Instacart Credits (up to $180/yr, through 12/31/27) – Monthly $10 + $5 Instacart credits when you pay directly at Instacart with the card (plus a 3-month Instacart+ trial, then 50% off annual). Service fees apply; offer ends 12/31/27. Great if you already use Instacart; otherwise skip.
JSX Credit (up to $150/yr) – Up to $150 back each anniversary year on flights purchased direct from JSX with the card. Not everyone lives near JSX; strong if you do.
Trusted Traveler Credit (up to $120 every 4 years) – Statement credit for Global Entry, TSA PreCheck, or NEXUS application fee when charged to the card. Pick Global Entry if you travel abroad; it includes TSA PreCheck eligibility.

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Credit

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Your Value

Practical Tip

You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.

United TravelBank Credit

What It Is:	$200 in United TravelBank cash after account opening and at each account anniversary, valid toward United or United Express flights.
How It Works:	Deposited to your MileagePlus account; appears within about 4 weeks of anniversary; apply at checkout on united.com/app.
Gotchas:	Expires 12 months after issue; cannot combine with travel certificates or Money + Miles; not transferable.
Who Actually Benefits:	Anyone buying at least one United ticket per year.
Practical Value:	Very close to a real $200 if you fly United yearly.

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Renowned Hotels Credit

What It Is:	Up to $150 in statement credits each anniversary year on prepaid hotel bookings through Renowned Hotels and Resorts for United cardmembers.
How It Works:	Book and prepay via the Renowned Hotels site; pay with the card; statement credits post after charge posts.
Gotchas:	Portal-only; must prepay; prices/availability can differ from booking direct; benefits vary by property.
Who Actually Benefits:	Travelers who can funnel one prepaid stay through this program annually.
Practical Value:	Useful if you already plan a qualifying stay; $0 if you do not use the portal.

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Rideshare Credit

What It Is:	Up to $8 back monthly Jan–Nov and $12 in Dec on rideshare purchases each calendar year after enrollment.
How It Works:	Enroll once per year; pay qualifying rides with the card; monthly credit posts as a statement credit.
Gotchas:	Must opt in annually; monthly caps do not roll over; "rideshare" must code properly.
Who Actually Benefits:	Regular riders (commuters, airport runs) who remember to enroll.
Practical Value:	Easy ~$100 if you ride monthly.

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Annual Fee: $350

Your Credits: $0

YOUR Annual Fee: $350

This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.

Perks

Earning structure (full detail) – 3x united purchases; 2x travel (airfare, hotels, transit, rideshare, tolls, cruises, car rentals); 2x dining; 2x select streaming; 1x everything else; 5x on prepaid hotels via Renowned Hotels and Resorts for United cardmembers. Good everyday travel coverage plus a niche hotel multiplier.
Free first & second checked bags – Primary cardmember + 1 companion on the same reservation get two bags each on United-operated flights (buy the ticket with the card; waived purchase requirement for first 90 days). Can save up to $360 round-trip.
Priority boarding – Board before general boarding for easier overhead bin space. Applies to the cardmember and companions on the same reservation.
Award flight discounts – 10,000-mile discount deposited after each account anniversary; another 10,000-mile discount after $20,000 in calendar-year spend. Helpful if you redeem miles annually.
Premier qualifying points via spend – Earn 1 Premier qualifying point (PQP) for every $20 in purchases, up to 18,000 PQP per year; starting 2026, 1,000 "Card Bonus" PQP post annually. Useful for nudging toward United Premier status.
In-flight savings – Get 25% back on United-operated onboard purchases (food, drinks, Wi-Fi) and premium drink purchases in United Club locations when you pay with the card.
Complimentary Premier upgrades on award tickets – If you already have United Premier status, you and a companion are eligible for complimentary upgrades on award flights, when available.
No foreign transaction fees – Use abroad without extra percentage fees.

Protections

Trip Cancellation/Interruption – Reimburses up to $1,500 per traveler and $6,000 per trip for nonrefundable fares when a covered reason (illness, severe weather, etc.) forces you to cancel or cut a trip short.
Trip Delay – If a covered trip is delayed 12+ hours or requires an overnight stay, get up to $500 per traveler for lodging/meals/essentials.
Baggage Delay – Up to $100 per day for 3 days for essentials when baggage is delayed 6+ hours.
Lost/Damaged Luggage – Up to $3,000 per traveler for checked or carry-on baggage lost or damaged by the carrier.
Auto Rental Collision Damage Waiver (primary) – Primary coverage up to $60,000 for theft/collision when you pay with the card and decline the rental company's waiver (vehicle and country exclusions apply).
Purchase Protection – Covers eligible new items against damage/theft for 120 days, up to $10,000 per item.
Extended Warranty – Adds 1 additional year on eligible U.S. manufacturer warranties of 3 years or less (max 4 years total from purchase).