United QuestSM Card

The card_name is an airline card designed for those who prefer United and use them at least two or three times a year. It has a generous signup bonus and some handy travel perks, such as two free checked bags and priority boarding. You also get up to a $125 annual United purchase credit, or half the annual fee of $250 (Terms Apply). However, this card does not afford you airport lounge access, so if that’s important to you, check out this list of cards instead. We dive into the details and your approval odds in this United Quest review.

Our Rating

4.4/5.0

Welcome Offer

Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points

Annual Fee

$250

0% Intro on Purchases

N/A

Reward Rate

1x to 3x miles

0% Intro on Balance Transfers

N/A

Welcome Offer

Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Free Checked Bags, Luggage Protection, Trip Delay Reimbursement, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit

Rewards

1x miles
On all other eligible purchases
Earn 1 mile per $1 spent on all other purchases.
2x miles
Streaming services
Earn 2 miles per $1 spent on select streaming services.
2x miles
Travel
Earn 2 miles per $1 spent on all other travel.
2x miles
Dining
Earn 2 miles per $1 spent on dining.
3x miles
United Purchases
Earn 3 miles per $1 spent on United® purchases.

Interest Rates & Fees

Annual Fee$250
Foreign Transaction Fee$0
Regular APR21.99% - 28.99% (V) APR

Insurance

Trip Delay Insurance

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Trip Cancellation and Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Extended Warranty

Extends the time period of the manufacturer’s U.S warranty by an additional year, on eligible warranties of three years or less.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Lost Baggage Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Car Rental Loss and Damage Insurance

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

What Credit Score Is Required to Get the United Quest℠ Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 793

Average Approved Credit Score: 797

App StatusDateCredit ScoreBureauCredit Limit
Approved05/03/2023
793
Equifax
$14,500
Approved05/03/2023
800
Experian
$14,532

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Earn up to 3x miles
Cons
  • Annual fee
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card

Rating

4.9

Rewards Range

2x - 10x

Annual Fee

$395

American Express® Gold Card
American Express® Gold Card

Rating

4.8

Rewards Range

1x-4x

Annual Fee

$250

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