United Quest Card by Chase: 5x hotels prepaid through Renowned Hotels and Resorts, 4x flights / airfare on eligible United purchases, 2x dining &…
The United Quest Card is Chase's mid-tier credit card. The $350/yr annual fee includes a 80,000-point welcome bonus after spending $4,000 in the first 3 months. Plus 10,000 bonus miles after adding an authorized user in the first 3 months, and 500 Premier qualifying points (PQP) after your first purchase (Chase: "Earn up to 90,000 bonus miles + 500 Premier qualifying points (PQP)", "LIMITED-TIME OFFER"). Verified on Chase 2026-10-07. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| 10,000-mile award flight discount (anniversary) | $130/yr | A 10,000-mile discount toward an eligible award flight starting with the first anniversary and every anniversary after; about $130 at our 1.3-cent United value. |
| Rideshare credit | $100/yr | Up to $8/mo Jan–Nov + up to $12 in Dec in statement credits on rideshare purchases ($100/yr); yearly enrollment required |
| Instacart credits | $180/yr ($15/mo) | Instacart credits up to $180/yr for purchases made directly through Instacart. Benefits end 12/31/27 |
| United travel credit | $200/yr | $200 annual United travel credit after account opening and on each account anniversary |
| Renowned Hotels credit | $150/yr | Up to $150/yr in statement credits on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers (anniversary year) |
| JSX flight credit | $150/yr | Up to $150/yr in statement credits on flights booked directly with JSX (anniversary year) |
| Avis/Budget TravelBank cash | $80/yr | Up to $80/yr in United TravelBank cash on eligible Avis or Budget car rentals booked through cars.united.com (anniversary year) |
| Global Entry / TSA PreCheck / NEXUS application fee | $120/quadrennial | Statement credit up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee charged to the card. |
Welcome bonus value (year one): ~$1040. Annual statement credits: $1110. Minus the $350 annual fee = ~$1800 in year-one net value before any spending earn. RewardsGuru rating: 4.4/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
80,000 points after spending $4,000 in the first 3 months. At our ~1.3¢/pt valuation, that's roughly $1040 in real value.
Year-one math: welcome bonus value (~$1040) + annual credits ($1110) − $350 fee = ~$1800 net before spending earn. Year-two onward, the credits alone need to clear $350 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
8 recurring statement credits: 10,000-mile award flight discount (anniversary) ($130/yr), Rideshare credit ($100/mo), Instacart credits ($180/mo), United travel credit ($200/yr), Renowned Hotels credit ($150/yr), JSX flight credit ($150/yr), Avis/Budget TravelBank cash ($80/yr), Global Entry / TSA PreCheck / NEXUS application fee ($120). Total: $1110/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.