The Chase United Quest Card is an excellent choice for frequent United Airlines travelers. It offers a strong mile earn rate, no foreign transaction fees, and robust travel benefits such as annual travel credit and free checked bags.
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However, it comes with a high annual fee, and its rewards program may be complex for some users.
By Harlon Drosghic Apr 2026
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Chase United Quest Card
Chase • Visa Signature Signature
- Annual Fee
- $ 350.00
- Points Program
- United MileagePlus
- Miles Program
- United MileagePlus
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.7/5
Score by category
Rewards
Points & Miles ★★★★★ 4.3/5
- Earn Rate 4.5
- Bonus Categories 4.0
- Redemption Value 4.5
- Points Expiration 4.0
- Transfer Partners 4.0
Credit Building ★★★★★ 3.1/5
- Upgrade Path 3.0
- Credit Bureau Reporting 4.0
- Educational Tools 2.0
- Credit Limit Growth 3.0
- Approval Accessibility 3.0
Lower Fees ★★★★★ 3.1/5
- Annual Fee Value 3.0
- Cost Transparency 3.0
- Fee Waiver Potential 2.0
- Penalty Friendliness 2.5
- Foreign Transaction Fee 5.0
Purchase Perks ★★★★★ 3.2/5
- Extended Warranty 3.0
- Installment Perks 1.0
- Merchant Discounts 3.0
- Everyday Usefulness 3.5
- Purchase Protection 4.5
Travel Perks ★★★★★ 4.0/5
- Airport Lounge Access 3.0
- Travel Insurance 4.0
- Travel Redemption 4.5
- No Foreign Tx Fees 5.0
- Hotel & Airline Perks 4.0
Score by category
User Experience
★★★★★ 3.8/5
Score by category
User Experience
App / Experience ★★★★★ 3.8/5
- Ease of Navigation 4.0
- Self-Service 3.5
- Billing Clarity 3.5
- Feature Quality 3.5
- App Speed & Stability 4.0
Support Quality ★★★★★ 3.8/5
- Response Time 3.5
- Channel Availability 4.0
- Agent Professionalism 4.0
- First-Contact Resolution 3.5
- Resolution Effectiveness 4.0
Transparency ★★★★★ 3.4/5
- Terms Simplicity 3.0
- Billing Transparency 3.5
- Fee & Interest Clarity 3.5
- Charge Predictability 3.5
- Communication Clarity 3.5
Security & Control ★★★★★ 4.3/5
- Card Control Features 4.5
- Fraud Protection 4.5
- Virtual Card Experience 4.0
- Incident Resolution 4.0
- Real-Time Monitoring 4.0
Benefits Usability ★★★★★ 4.1/5
- Ease of Earning 4.0
- Ease of Tracking 4.0
- Real-World Value 4.0
- Rules Simplicity 4.0
- Ease of Redeeming 4.5
Pros & Cons Chase United Quest Card
Pros
- ✓Rich travel perks
- ✓No foreign transaction fees
- ✓Good earn rate on miles
Cons
- ✗High annual fee
- ✗Limited Cashback options
- ✗Complex rewards structure
Expert Analysis
AI Analysis
Citocred AI
The Chase United Quest Card is an excellent choice for frequent United Airlines travelers.
Full analysis
It offers a strong mile earn rate, no foreign transaction fees, and robust travel benefits such as annual travel credit and free checked bags. However, it comes with a high annual fee, and its rewards program may be complex for some users.
Best for
frequent United travelers
Avoid if
users seeking no-fee or cashback-focused cards
AI-generated analysis · Methodology by Harlon Drosghic
frequent United travelers
users seeking no-fee or cashback-focused cards
Frequently Asked Questions
Chase United Quest Card
What is the annual fee for the Chase United Quest Card?
Does the Chase United Quest Card have a rewards program?
Does the Chase United Quest Card include airport lounge access?
Does the Chase United Quest Card include travel insurance?
Who should get the Chase United Quest Card?
Is the Chase United Quest Card worth it?
The Chase United Quest Card provides a set of benefits designed to add genuine value to your financial routine:
Points Program
United MileagePlus
Miles Program
United MileagePlus
Purchase Protection
Contactless Payment
Virtual Card
International Acceptance
See 7 benefits not included in this card
- Cashback See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
- Concierge See which cards include this benefit →
- Apple Pay See which cards include this benefit →
- Google Pay See which cards include this benefit →
Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • $200 annual United travel credit
- • 10,000-mile annual award flight discount
- • 2 free checked bags
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.