United Quest Card
Chase's United Travel Card
Annual Fee
$350
Earning Rate
4x United • 5x prepaid Renowned Hotels • 2x travel • 2x dining • 2x streaming • 1x everything else
Welcome Bonus
Up to 70,000 miles + 500 Premier qualifying points: 60,000 miles + 500 PQP after $4,000 spend in 3 months, plus 10,000 for adding an authorized user
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 4x on United purchases and 2x on travel and dining and you are already close to break-even.
The fee is $350 now, up from $250, and United paid for that with a pile of partner credits — rideshare, Instacart, Renowned Hotels, Avis/Budget, JSX. On paper they add up to far more than the fee, but most of them require enrollment or booking through a specific portal, so only count the ones you'd actually use. The $200 TravelBank cash and the rideshare credit are the two nearly everyone can hit.
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, as long as one or two of the partner credits fit your life.
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.
Click Here to Calculate Your Annual Fee
Credit
Include
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. |
$0
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Your Value:
$0
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. |
$0
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Your Value:
$0
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. |
$0
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Your Value:
$0
Avis/Budget Credit
| What It Is: | $40 in United TravelBank cash for each of your first two Avis or Budget rentals each anniversary year (max $80). |
| How It Works: | Book at cars.united.com, pay with the card, and the TravelBank cash lands in your MileagePlus wallet after the rental. |
| Gotchas: | Portal-only booking; Avis and Budget only; third-party bookings do not count. It is TravelBank cash, not a statement credit, so it only spends on United airfare. |
| Who Actually Benefits: | People who rent cars twice a year and do not mind booking through United. |
| Practical Value: | $80 if you rent twice and fly United; $0 if you are loyal to another rental brand. |
$0
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Your Value:
$0
Instacart Credits (through 12/31/27)
| What It Is: | A $10 and a $5 Instacart credit every month (up to $180 per calendar year), plus a 3-month Instacart+ membership. |
| How It Works: | Add the card to your Instacart account and activate the offer; the credits apply at checkout on Instacart.com or in the app. |
| Gotchas: | Two separate monthly credits means two separate orders to max it out; nothing rolls over; the benefit ends 12/31/2027; Instacart+ auto-renews after the trial unless you cancel. |
| Who Actually Benefits: | Anyone already ordering groceries through Instacart a couple of times a month. |
| Practical Value: | $120 is realistic for most people (the $10 is easy, the $5 gets forgotten); $180 if you are diligent. |
$0
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Your Value:
$0
JSX Credit
| What It Is: | Up to $150 in statement credits each anniversary year on flights booked directly with JSX. |
| How It Works: | Book at jsx.com or in the JSX app and pay with the card; the credit posts automatically against the charge. |
| Gotchas: | JSX flies a small set of routes out of private terminals, mostly in the West and Texas. If you do not live near one, this is a zero. |
| Who Actually Benefits: | People who already fly JSX routes; almost nobody else. |
| Practical Value: | $150 if JSX serves your city; $0 for most people. Be honest with yourself here. |
$0
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Your Value:
$0
TSA PreCheck / Global Entry Credit
| What It Is: | Up to $120 statement credit for a Global Entry, TSA PreCheck, or NEXUS application fee, once every 4 years. |
| How It Works: | Charge the application fee to this card and the credit posts automatically. You can use it to pay for someone else's application. |
| Gotchas: | Only once every four years, and most people already have one of these from another card. |
| Who Actually Benefits: | Anyone without PreCheck or Global Entry yet, or renewing this year. |
| Practical Value: | $120 the year you use it, $0 the other three. Pick Global Entry — it includes PreCheck. |
$0
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Your Value:
$0
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) – 4x on United purchases (10x total on eligible United flights once you add the 6x MileagePlus base); 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). United pegs this at up to about $440 round-trip for two.
- 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, plus 1,000 "Card Bonus" PQP that post automatically each year. Useful for nudging toward United Premier status.
- Economy Plus upgrades (after $40,000 spend) – Spend $40,000 in a calendar year and you get two global Economy Plus upgrades for you and a companion. A real perk if you're a heavy spender, invisible if you're not.
- Award booking discount – Save 10% in miles on eligible United and United Express award flights (15% with 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).