United Quest
Chase$350 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
80,000miles
after $4,000 in purchases in the first 3 months
In line with past offers.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus80,000 points at 1.3¢ | $1,040 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$37 |
| Credits you'll likely useof $776 face value | +$413 |
| Annual fee | −$350 |
| Meeting the $4,000 minimumearns 1.3% here vs 2% on Double Cash | −$28 |
| First year | $1,112 |
| Each year after | +$365 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 2.6% |
| 2X | All other travel | 2.6% |
| 5X | Renowned Hotels & Resorts for United Cardmembers | 6.5% |
| 2X | Select streaming services | 2.6% |
| 1X | Everything else | 1.3% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 4X | United purchases | 5.2% |
Noteworthy perks
- United TravelBank Cash$200 a year
- Renowned Hotels & Resorts$150 a year
- Free first and second checked bags on United for the primary cardmember and one companion when the primary cardmember's MileagePlus number is on the reservation and the tickets are purchased with the card; the purchase requirement is waived for flights within 90 days of account opening
Personal card · Earns United MileagePlus
Benefits
Credits & Perks (8)
- United TravelBank Cash: $200 (Annual Cardmember Year)
$200 in United TravelBank cash each membership year - terms apply
- Renowned Hotels & Resorts: $150 (Annual Cardmember Year)
Up to $150 in statement credits per cardmember for Renowned Hotels and Resorts
- Rideshare: $8 (Monthly)
Up to $100 in rideshare credits per year (up to $8 per month January to November and up to $12 in December, re-enrollment is required annually)
- Avis/Budget: $80 (Annual Cardmember Year)
Up to $80 in Travel Credit for Avis or Budget car rentals per cardmember year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Instacart coupon: $10 off 1 order + $5 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Two coupons per month on Instacart orders with active Instacart+ membership: $10 off one order and $5 off another (50% off renewal after 3 months; through 12/31/27)
- JSX: $150 (Annual Cardmember Year)
Statement credit each anniversary year when you book flights directly with JSX
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Elite status (2)
- United MileagePlus: Earn 1 Premier Qualifying Point (PQP) per $20 spent, up to 18,000 PQP per year
- United MileagePlus: Receive 1,000 Card Bonus PQPs each year (awarded within 6 to 8 weeks after February 1, starting in 2026).
Protections (8)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per covered traveler ($6,000 per trip) for non-refundable trip costs
- Trip Delay, up to $500, Up to $500 per trip for delays over 12 hours
- Baggage Delay, Up to $100 per day for up to 3 days when baggage is delayed over 6 hours
- Lost Luggage, up to $3,000, Up to $3,000 per covered traveler for lost, damaged, or stolen baggage
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (primary), up to $60,000, Primary coverage up to $60,000 for rental car damage/theft (secondary for NY residents with personal auto insurance)
Other Perks
- Free first and second checked bags on United for the primary cardmember and one companion when the primary cardmember's MileagePlus number is on the reservation and the tickets are purchased with the card; the purchase requirement is waived for flights within 90 days of account opening
- Improved saver award availability, including Polaris business class
- At least 10% off all United award flights; 15% off with Premier status
- 10K-mile award flight discount each cardmember year
- An additional 10K-mile award flight discount after $20K in purchases in a calendar year
- 2 global Economy Plus seat upgrades after $40K in purchases in a calendar year
- Earn miles on Basic Economy flights (non-elite members must hold a co-branded credit card to earn them)
- 3 additional MileagePlus miles per dollar spent on United flights
- 25% back as a statement credit on United inflight purchases (food, beverages, and Wi-Fi) and Club premium drinks
- Complimentary Instacart+ membership for 3 months (50% off renewal)
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
The United Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to United QuestOct 8, 2026
- changed from 60K miles and 500 PQPs after $4K spend in the first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 months to 80K miles and 500 PQPs after $4K spend in the first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 monthsOct 1, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026