United Quest Visa Signature Card

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Last updated on October 8th, 2021

United Quest Visa Signature Card

Earn 80,000 Bonus Miles

United Quest Visa Signature Card
  • Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $250
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
  • Receive up to $125 in statement credits each account anniversary year
  • Global Entry or TSA PreCheck® fee credit
  • Priority boarding
  • Two 5,000-mile anniversary award flight credits
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $250
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
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At a Glance

The United Quest Visa Signature Card from Chase is an airline rewards card that packs a heavy punch – but comes with an equally hefty annual fee of $250. The card features an assortment of bonuses on successful application, after meeting minimum spend requirements, and on cardholder anniversaries, plus earns impressive miles on every purchase.

Ideal for Those Who:

  • Prefer to fly with United Airlines
  • Spend heavily with their airline cards to earn free flights
  • Prefer maximizing miles over airport perks like lounge access
  • Will make use of the statement credits for travel and incidentals

United Quest Visa Signature Card Review

The United Quest Visa Signature Card is the latest airline rewards card from Chase Bank and United Airline’s loyalty program, United MileagePlus. The card comes packed with perks and bonus miles, helping to justify its $250 annual fee.

A Huge Signup Bonus

The United Quest Card comes with an impressive mileage bonus of 80,000 miles. New accounts can earn 80,000 bonus miles after spending $5,000 on purchases in the first three months after their account is open. 

United MileagePlus miles have an approximate value of 1.3 cents per mile, making this signup bonus an impressive $900 value when used for United flights, upgrades, or associated travel costs – or flights with other Star Alliance carriers.

$125 United Purchase Credit

The United Quest Visa Signature Card also benefits from a $125 United Purchase Credit each year. This statement credit effectively cuts the card’s annual fee in half. The credit applies towards reimbursement for United purchases and refreshes on each cardmember anniversary.

How to Earn Miles with the United Quest Card

Like any good rewards credit card, Chase’s United Quest Card earns extra miles through an impressive array of categories:

  • 3X miles on United purchases
  • 2X miles on all other travel purchases
  • 2X miles on select streaming services and dining
  • 1 mile per dollar spent on all other purchases

As you would expect, the Quest Card earns the most miles through United purchases. However, keep in mind that the 3X miles per dollar spent on United purchases (including airfare, upgrades, incidentals, etc.) only occurs after they finish using the $125 United Purchases credit.

The 2X miles on all other travel purchases (outside of United Airlines) includes a wide range of travel categories – including daily commute costs. Beyond the typical airfare, cruises, hotels, and car rental bookings, United Quest cardholders will also earn 2X miles on trains, local transit, taxis, and rideshares (like Uber and Lyft).

They can also earn 2X miles on select streaming services. These services are the same as other Chase co-branded and proprietary credit cards and include:

Disney+

Hulu

ESPN+

Pandora

Spotify

YouTube TV

Netflix

Sling

Vudu

Fubo TV

Apple Music

SiriusXM

5,000 Miles Anniversary Award Flight Credit

Because of the steep annual fee, United and chase try very hard to provide cardholders with impressive mile-earning potential.  This includes a 5,000-miles anniversary award flight credit up to two times per year.

Starting on their first anniversary, cardholders get 5,000 miles back in their MileagePlus account after taking a United or United Express-operated award flight booked with miles — up to two times every anniversary year.

How to Redeem Miles

Redeeming MileagePlus miles is a straightforward process. The most common is to redeem rewards for flights, either with United Airlines directly or through Star Alliance partners. Bonuses also apply to several other airline partners, retail, and travel options.

The simplest way to redeem is by booking United or United Express award flights. MileagePlus currently offers two types of award seat: Saver Awards and Everyday Awards:

  • Saver Awards: More economical, with redemption flights starting from 5,000 to 12,000 miles. These low-cost award flights have lower availability, making them difficult to book.
  • Everyday Awards: More availability – at a higher price. Everyday Award flights offer unrestricted access for elite-tier MileagePlus members.

Award flights are also bookable with United partners, including Star Alliance carriers like Air Canada, All Nippon Airways (ANA), Asiana, Avianca, Lufthansa, Turkish Airlines, and more. United hotel partners include Choice Hotels, Wyndham, Marriott, Hyatt, Radisson, IHG, and more. MileagePlus members can also redeem miles towards car rentals, cruises, or shopping purchases through the United MileagePlus portal.

Miles in the MileagePlus program never expire.

United Quest Travel Benefits

Like any sound premium airline card, the United Quest Visa Signature Card comes with an impressive array of travel perks and members’ incidentals. These include:

  • Up to $100 Global Entry or TSA PreCheck® fee credit every four years
  • 3,000 Premier qualifying points
  • Free first two checked bags for the cardholder and one traveling companion on the same reservation
  • 25% cash back (in the form of a statement credit) on United inflight purchases (including beverages, snacks, and Wi-Fi)
  • Priority boarding on United and United Express-operated flights for the cardholder and any companions on the same reservation
  • No blackout dates
  • No foreign transaction fees

Other Card Features

Beyond the United travel perks and earning potential of the card, what else is there to know about the United Quest Card from Chase?

The card features a competitive but uninspiring APR on purchases and balance transfers. That interest rate is slightly below the national average APR for an airline card, but not so much that it warrants any special note. There are also no introductory APR periods of which to speak.

The card does feature Chase’s My Chase Loan, a feature akin to Amex’s Pay It Plan It. This feature allows cardholders to finance larger purchases (such as an expensive holiday) separate from their typical spending. However, it does come with a finance charge of 1.72% of each eligible purchase transaction or amount selected.

Beyond the interest rates and fees, the card also comes with the usual benefits and protections you’d expect from a Visa Signature credit card. These features include:

  • Extended Warranty Protection: This program provides holders with an extra year of warranty coverage for eligible U.S. manufacturer goods with a one-year warranty or more.
  • Year-end Summary: A detailed summary of your spending to help simplify your budgeting in the new year.
  • Travel and Emergency Assistance Services: 24/7 assistance for Signature cardholders anywhere in the world.
  • Visa Signature Concierge: Customized customer service to help cardholders make reservations, buy tickets, and receive advice.
  • Visa Signature Luxury Hotel Collection: Signature cardholders get exclusive access and guest privileges at over 900 luxury hotels worldwide.
  • Roadside Dispatch
  • Auto Rental Collision Damage Waiver
  • Cardholder Inquiry Services
  • Zero Fraud Liability

Should You Apply for the United Quest Card?

Is the United Quest worth the $250 annual fee? For the dedicated United Airlines traveler, the answer is likely “yes.” The annual fee is more than recouped with the United travel credit and impressive anniversary bonus that can easily equal award flights in no time. The free checked bags, priority boarding, and other travel-centric perks also are points in favor of the card.

However, one profound question that the card raises is how does it compare with the other ultra-premium United MileagePlus card from Chase – the United Club Infinite?

The United Club Infinite is the premier card in the Chase range of United credit cards. The card, featuring a huge $525 annual fee, boasts United Club membership – providing unlimited access to premium United Club lounges. That perk is a $650 value, making it perfect for dedicated United travelers who fly frequently. Since that card is geared towards the United-fanatic, why would they get a card without lounge access to save $300 per year?

That is the ultimate question with the United Quest Card from Chase: do you fly enough that you want lounge access with your miles, or can you skip the lounges and just focus on award flights? If the answer is the latter, then the United Quest Card from Chase might be the best card for you. If not, shell out the extra $300 and kick your feet up in a plush lounge when you fly.

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