Is the United Quest Card Worth Its Annual Fee?

This United card can be worth it if you fly with United at least once a year.
Sep 24, 2021

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If you fly United Airlines, a new credit card could make your travels more rewarding.

The United Quest℠ Card has a unique roster of benefits that make it a compelling new option among United credit cards. But is it worth the $250 annual fee? A look at the card’s benefits reveals who should get the United Quest℠ Card and will help you decide whether it’s a good choice for you.

Perks of the United Quest℠ Card

The United Quest℠ Card launched in 2021. Chase and United’s co-branded card lineup now offers four options, ranging from the ultra-high-end United Club℠ Infinite Card, whose $525 annual fee includes a United Club membership, to the $0-annual-fee United Gateway℠ Card.

The United Quest℠ Card lands in the middle of United’s card offerings. Among the reasons to get the United Quest℠ Card: It comes with a hefty welcome bonus. Earn 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open.

Cardholders earn:

  • 3 miles per dollar spent on United purchases.

  • 2 miles on travel, dining and select streaming service purchases.

  • 1 mile per dollar on all other purchases.

The United Quest℠ Card annual fee is worth it if you …

Fly with United at least once a year

The United Quest℠ Card comes with a $125 statement credit for United purchases. The statement credit works for airfare, in-flight purchases and seat selection fees charged to the card.

Cardholders also get two free checked bags for themselves and two free bags for one companion on each trip, which can equal a huge savings if you — like many of us — can’t decide which shoes go with which outfit each day of your trip.

These two perks together could make the card worthwhile by offsetting part or all of the annual fee.

Use TSA Precheck or Global Entry

The card also offers a credit worth up to $100 once every four years to cover the fee for either Global Entry or TSA Precheck. TSA Precheck is a trusted traveler program that lets you speed through security. It also allows you to keep your shoes on and your liquids in your bags. Global Entry gives you expedited reentry to the U.S. after traveling abroad. Global Entry generally includes TSA Precheck, so if you’re going to go for just one, go for Global Entry.

Book award flights on United

A unique perk of this new card: When you redeem miles for flights on United or United Express, you can get 5,000 of those miles rebated to you, up to two award flights per year. This benefit only kicks in after your first anniversary, but can be pretty valuable if you play your cards right.

Nerdy tip: Because award flights with United start at just 5,000 miles, it’s possible to get two near-free flights each year by taking advantage of this perk.

Want United elite status

If you’re hoping to earn elite status in the MileagePlus program for a chance at cabin upgrades on international flights, this card can help you get there. For every $12,000 you charge, you’ll earn 500 Premier Qualifying Points toward United elite status. This is good all the way to United’s Premier 1K status — and you can earn up to 3,000 PQPs each calendar year using this method.

The United Quest℠ Card annual fee isn't worth it if you …

  • Never fly with United. If you’re located near an airport that is predominantly served by Delta or American Airlines, you may find yourself struggling to find a use for the $125 statement credit offered by this card.

  • Use your miles for upgrades. If you’re more prone to redeeming miles for mileage upgrades rather than flights, you’ll miss out on the 10,000-mile rebate you’d receive after booking two award flights.

If you’re considering the United Quest℠ Card

The United Quest℠ Card is an excellent mid-tier option for travelers who will fly with United at least once a year. The $125 statement credit effectively lowers the annual fee to $125 each year, making this an reasonable card to hold and plenty of value to be had beyond the statement credit.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including those best for:

partner programs

IHG® Rewards Program

on IHG One Rewards’ website

IHG® One Rewards
Get exclusive benefits and earn points faster
World of Hyatt

on Hyatt's website

World of Hyatt
Enjoy free nights, member rates and more
logo image

on Alaska's website

Alaska Mileage Plan
Join Mileage Plan and Save $25 on your next flight
IHG® Rewards Program

IHG® One Rewards

Wherever you go, however you stay, IHG One Rewards offers rewards for every one.

on IHG One Rewards’ website

Highlights:
  1. Cheers to new tiers: New tiers allow members to earn points faster.
  2. Piling on the perks: New members benefits that enhance every stay
  3. Milestone Rewards: Allows members to choose their rewards.
Highlights
  1. Cheers to new tiers: New tiers allow members to earn points faster.
  2. Piling on the perks: New members benefits that enhance every stay
  3. Milestone Rewards: Allows members to choose their rewards.

on IHG One Rewards’ website

World of Hyatt

World of Hyatt

With the World of Hyatt loyalty program, enjoy a world of rewards designed to revolve around you.

on Hyatt's website

Highlights:
  1. Earn points for things you already enjoy with Hyatt
  2. Use your points for free nights at more than 1,100 hotels around the world
  3. Three elite tiers to unlock exceptional benefits - room upgrades and more.
Highlights
  1. Earn points for things you already enjoy with Hyatt
  2. Use your points for free nights at more than 1,100 hotels around the world
  3. Three elite tiers to unlock exceptional benefits - room upgrades and more.

on Hyatt's website

logo image

Alaska Mileage Plan

Mileage Plan is Alaska's loyalty program for anyone who loves to travel and is free to join!

on Alaska's website

Highlights:
  1. Join Mileage Plan and Save $25 on your next flight
  2. Our members earn 30% more miles on average than other airlines
  3. You earn based on how far you fly, not how much you spend
Highlights
  1. Join Mileage Plan and Save $25 on your next flight
  2. Our members earn 30% more miles on average than other airlines
  3. You earn based on how far you fly, not how much you spend

on Alaska's website

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