United Quest℠ from Chase Review

All benefits

• Miles
  • 3x Per $1 spent on United purchases immediately after earning your $125 annual United purchase credit.
  • 2x Per $1 spent on all other travel, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
  • 2x Per $1 spent on dining, including eligible delivery services.
  • 2x Per $1 spent on select streaming services.
  • 1x Per $1 spent on all other purchases.
• Travel
  • $125 You'll automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year.
  • 5,000x You'll get 5,000 miles back in your MileagePlus® account after you take a United® or United Express-operated award flight booked with your miles - up to 2 times every anniversary year.
  • $Free first and second checked bags - save up to 320 per roundtrip The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card.
  • Priority boarding:
  • The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
  • $100 Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry or TSA PreCheck® when charged to your card.
  • 25% Back as a statement credit on purchases of food, beverages and Wi-Fi on board United®-operated flights when you pay with your United Quest Card.
  • Reward seat upgrades:
  • The primary Cardmember who is also a Mileage Plus Premier® member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available).
  • No foreign transaction fees:
  • Purchases made with your Quest Card outside the U.S. will not be subject to foreign transaction fees.
  • The Luxury Hotel & Resort Collection:
  • This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay.
  • United Card Events from Chase and United MileagePlus Events:
  • As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences.
  • Trip Cancellation/Interruption Insurance:
  • You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
  • Baggage Delay Insurance:
  • Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
  • Lost Luggage Reimbursement:
  • If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
  • Trip Delay Reimbursement:
  • If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
  • Auto Rental Collision Damage Waiver:
  • Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 21.99% - 28.99% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 21.99% - 28.99% Variable
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Fraud Protection
• Rewards
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Trip Cancellation
• Auto Rental Insurance
• Good Credit
• Excellent Credit