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Credit cards › Airline cards › Delta SkyMiles Reserve

United Quest Card

Updated July 2026 · 3 min read

Quick verdict

The United Quest is the mid-tier United card that sits between the Explorer and the Club Infinite. At $350 a year you get 100,000 bonus miles, 3x on United, two 5,000-mile anniversary credits, a $125 United purchase credit, and two United Club passes.

7.5

☆☆☆☆☆

★★★★★

Chase - Airline Card

The Quest earns 3x on United and delivers 10,000 free miles annually through anniversary credits. The $125 United purchase credit offsets a third of the annual fee. For United flyers spending $20,000+ annually on the card, the Quest generates more value than the Explorer at a lower price than the Club Infinite.

Welcome offer

100,000 Bonus Miles

Earn 100,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee $350

Minimum spend $4,000

Approx. signup value 1635

Yearly recurring value 435

Apply now →

Rates & fees · Terms apply

Pros & cons

Pros

100,000-mile welcome offer at a low $4,000 spend threshold
3x on United purchases is 50% more than the Explorer's 2x
Two 5,000-mile anniversary credits add 10,000 free miles each year
$125 annual United purchase credit offsets roughly a third of the fee
Two United Club passes per year
Free first and second checked bags for you and a companion
Up to 3,000 PQP per year toward Premier status from card spend

Cons

$350 annual fee is meaningfully higher than the Explorer's $150
No full United Club membership -- just two passes
3x on United only -- 1x on non-United, non-dining, non-travel spending
$125 credit applies only to United purchases, not general travel
PQP from spend caps at 3,000 per year -- not enough to drive status solo

Who this card is for

✓ Good fit

United flyers who spend $15,000+ per year and want more earning power than the Explorer

✓ Good fit

Those who value 10,000 free anniversary miles as an ongoing annual offset

✓ Good fit

Travelers who check two bags regularly and fly with a companion

✓ Good fit

MileagePlus members working toward Premier status who want the PQP boost

✕ Skip it

Casual United flyers who cannot offset the $350 fee from the annual benefits

✕ Skip it

Those who need unlimited lounge access -- the Club Infinite is the right card

✕ Skip it

Travelers who want flexible transferable points rather than airline-locked miles

Earning rates

Miles on all eligible United Airlines purchases.

Miles on dining at restaurants, hotel stays, and all other travel purchases.

Miles on all other purchases.

Benefits breakdown

The Quest earns at elevated rates on United and travel, with annual mile credits and a United purchase credit that offset a meaningful portion of the fee each year.

Two 5,000-Mile Anniversary Credits

10,000 free miles deposited each account anniversary -- one after card renewal and one after a United flight purchase. Worth approximately $120 at 1.2 cents per mile.

Perk

$125 United Purchase Credit

Annual statement credit on eligible United purchases including flights, inflight spending, and seat upgrades.

$125

Two United Club Passes

Two one-time United Club lounge passes per year.

Perk

Free First and Second Checked Bags

For you and one companion on domestic United itineraries.

Varies

500 PQP per $12,000 Spend

Up to 3,000 PQP per year toward United Premier status from card purchases.

Status

$120 Global Entry/TSA PreCheck

Statement credit every 4 years for application fee.

$120

Estimated value 435

After 350 fee ~$85 net

What to look out for

Two Club Passes Are Not Unlimited Access

The Quest gives you 2 passes, not full membership. For frequent lounge users, the Club Infinite's full membership is a better fit.

$125 Credit Is United-Specific

The credit applies to United purchases only -- not hotels, rental cars, or other travel spending.

PQP Capped at 3,000 Per Year

Card spend alone cannot drive Premier status. You still need meaningful qualifying flights.

Our take

The Quest fills a genuine gap between the Explorer and the Club Infinite. The 10,000 anniversary miles alone are worth $120 at 1.2 cents per mile -- nearly half the fee covered before you touch the $125 United credit. For frequent United flyers who do not need unlimited lounge access, this card often generates more net value than the Explorer for a manageable fee increase. See how MileagePlus fits your travel strategy in our United MileagePlus guide.

The 100,000-mile welcome offer at $4,000 spend is the highest we have seen on this card and a better ratio than the Club Infinite's $5,000 threshold for 90,000 miles. At 1.2 cents per mile, this bonus is worth approximately $1,200 in award value. For the full comparison across United personal cards, see our MileagePlus program overview.