The United Quest makes the most sense for someone who flies United often enough to use its credits, starting with $200 in TravelBank cash each year for United flights, two free checked bags, and a 10,000-mile award flight discount every anniversary. The signup bonus recently rose from 60,000 to 80,000 miles after $4,000 in spend over three months, which is a big reason it sits on our signup bonus list. Earning is solid but narrow: 4x on United purchases, 5x on prepaid hotels through Renowned Hotels and Resorts, 2x on travel, dining, and select streaming, and just 1x on everything else. The catch is the $350 annual fee, which you only offset by actually using a stack of credits that each have their own rules, including up to $150 for Renowned Hotels stays, $150 for JSX flights, $100 for rideshare with an annual opt-in, and Instacart credits that end after 2027. If you are loyal to United and will chase those credits, the math works; if you fly the airline once or twice a year, a cheaper card will serve you better.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels prepaid through Renowned Hotels and Resorts for United Cardmembers | 5x |
Airlines United purchases | 4x |
Travel | 2x |
Dining | 2x |
Streaming Select streaming services | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual United Travel Credit $200 in United TravelBank cash automatically deposited after account opening and each anniversary, for future United-operated flights | $200 /yr |
Global Entry / TSA PreCheck / NEXUS Credit Statement credit reimbursing the application fee for Global Entry, TSA PreCheck, or NEXUS (up to $120 every 4 years) | $120 every 4 yr |
Anniversary Award Flight Discount 10,000-mile discount to use toward an eligible award flight on each account anniversary | 10,000 miles /yr |
Renowned Hotels Credit Up to $150 in statement credits each anniversary year on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers | $150 /yr |
Rideshare Credit Up to $100 in statement credits each calendar year on rideshare purchases ($8/mo Jan-Nov, $12 in Dec; annual opt-in required) | $100 /yr |
Avis/Budget Car Rental Credit Up to $80 in United TravelBank cash each anniversary year ($40 each for 1st and 2nd Avis or Budget rental booked through cars.united.com) | $80 /yr |
Instacart Credit Up to $180 in Instacart credits each calendar year ($10 + $5 monthly; benefits end 12/31/27) | $180 /yr |
JSX Flight Credit Up to $150 in statement credits each anniversary year on flights purchased directly through JSX | $150 /yr |
Inflight Purchase Rebate 25% back on United inflight and Club premium drink purchases | 25% |
Award Booking Discount At least 10% fewer miles when booking award flights on United or United Express (15% for cardmembers with MileagePlus Premier status) | 10% |
| Total annual credits | $890 |
Card details
Regular APR | 19.74%–28.24% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 3 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.