Is the United Quest Card worth $350/yr?
The honest math on the United Quest Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $350 annual fee.
Chase · $350 annual fee · earns United MileagePlus miles
Earning rates
- 4x United flights
- 4x Other United purchases
- 5x Renowned Hotels & Resorts prepaid stays
- 2x Airfare (other airlines)
- 2x Hotels (outside Renowned Hotels portal)
- 2x Other travel (trains, transit, cruises, car rentals, rideshare, tolls)
- 2x Dining
- 2x Select streaming services
- 1x Everything else
Statement credits (10)
- $200 United Travel Credit — $200 in United TravelBank cash after account opening and again on every account anniversary.
- Renowned Hotels & Resorts Statement Credit — Up to $150 back each anniversary year on hotel stays prepaid directly through Renowned Hotels and Resorts for United Cardmembers.
- Renowned Hotels & Resorts $100 Property Credit — $100 property credit at Renowned Hotels & Resorts properties booked directly and prepaid, on top of the separate $150 statement credit.
- Rideshare Credit — Up to $100 back each calendar year on rideshare purchases — $8/month January through November, $12 in December — and you must re-opt-in every year.
- Avis / Budget Rental Credit — $40 in United TravelBank cash on each of your first two Avis or Budget rentals per anniversary year — up to $80.
- Instacart Credit — One $10 and one $5 Instacart credit every month (up to $180/yr), plus a complimentary 3-month Instacart+ membership — benefits end December 31, 2027.
- JSX Flight Credit — Up to $150 back per anniversary year on JSX semi-private flights booked directly with JSX.
- Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
- Annual 10,000-Mile Award Flight Discount — 10,000 miles off one United award flight automatically each account anniversary — no spend requirement — valued at your selected cents-per-mile.
- Spend-Gated 10,000-Mile Award Flight Discount — An additional 10,000 miles off one United award flight each calendar year you spend $20,000 on the card — valued at your selected cents-per-mile.
Protections and perks (16)
- First and Second Checked Bags Free — You and one companion on the same reservation each check your first and second standard bags free on United — a combined savings of up to $440 per round trip.
- 2 Global Economy Plus Seat Upgrades — Two complimentary Economy Plus seat upgrades each calendar year you spend $40,000 on the card.
- Priority Boarding — The primary cardmember and companions on the same reservation board United flights before general boarding groups.
- 25% Back on United Inflight & Club Purchases — 25% back as a statement credit on United inflight food, beverages, and WiFi, and on United Club premium drinks.
- Premier Qualifying Points on Spend — 1 Premier Qualifying Point per $20 spent (up to 18,000 PQP/yr) plus 1,000 bonus PQP every year — status progress, not redeemable miles.
- Premier Upgrades on Award Tickets — If you already hold Premier status, you (and one companion on the reservation) become eligible for complimentary upgrades on award tickets, not just paid fares.
- Primary Rental Car Coverage — Primary theft/collision coverage on rentals paid with the card, up to $60,000 (vehicles with an MSRP of $125,000 or less) — decline the counter CDW.
- Roadside Assistance — Up to $50 per service event (towing, tire change, battery jump, lockout, fuel delivery, winching), up to 4 events per year — no membership or pre-enrollment required.
- Travel Accident Insurance — Up to $500,000 for accidental death/dismemberment on common-carrier trips charged to the card (up to $100,000 for other covered 24-hour travel accidents).
- Trip Cancellation / Interruption — Up to $1,500 per person ($6,000 per trip) for prepaid, non-refundable travel cancelled for covered reasons.
- Trip Delay Reimbursement — Up to $500 per ticket when common-carrier travel is delayed more than 12 hours or overnight.
- Baggage Delay Insurance — Up to $100 a day (up to 3 days) for essentials when bags are delayed over 6 hours.
- Lost Luggage Reimbursement — Up to $3,000 per traveler for checked or carry-on luggage that's lost or damaged.
- Purchase Protection — New purchases covered 120 days against damage or theft, up to $10,000 per item ($50,000 per calendar year).
- Extended Warranty — Adds a year to eligible manufacturer warranties of 3 years or less.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
Card data verified against Chase on 2026-08-21.
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