United Quest Card by Chase: 5x hotels, 4x flights / airfare, 2x dining & restaurants, 2x streaming services, 2x travel (broad), 1x everything else. $350…
The United Quest Card is Chase's mid-tier credit card. The $350/yr annual fee includes a 60,000-point welcome bonus after spending $4,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $100/mo | Up to $8/mo Jan–Nov + up to $12 in Dec in statement credits on rideshare purchases ($100/yr); yearly enrollment required |
| United travel credit | $200/yr | $200 annual United travel credit after account opening and on each account anniversary |
| Instacart credits | $180/mo | Instacart credits up to $180/yr for purchases made directly through Instacart. Benefits end 12/31/27 |
| 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): ~$810. Annual statement credits: $980. Minus the $350 annual fee = ~$1440 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.
60,000 points after spending $4,000 in the first 3 months. At our ~1.35¢/pt valuation, that's roughly $810 in real value.
Year-one math: welcome bonus value (~$810) + annual credits ($980) − $350 fee = ~$1440 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.
7 recurring statement credits: Rideshare credit ($100/mo), United travel credit ($200/yr), Instacart credits ($180/mo), 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: $980/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.