United QuestSM Card
A $350-annual-fee miles card from JPMorgan Chase Bank, National Association, with a $700 signup bonus.
JPMorgan Chase Bank, National Association · VISA
- Annual fee
- $350
- Purchase APR
- 19.74–28.24%variable
- Signup bonus
- $700
- Foreign transaction
- None
Earn Rules
| Travel | 2x United |
| Dining | 2x United |
| Streaming | 2x United |
| All Other | 1x United |
Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| on eligible United flights | 10x United |
| when you prepay directly through Renowned Hotels and Resorts | 5x United |
| on all other eligible United purchases | 4x United |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $200 United travel credityearSource ↗ | $200/yr |
| Up to $180 in Instacart creditsyearSource ↗ | $180/yr |
| Up to $150 in credits on JSX purchases annuallyyearSource ↗ | $150/yr |
| Up to $150 in credits for Renowned Hotels and Resorts for United® CardmembersyearSource ↗ | $150/yr |
+ Show 3 more credits
| Up to $100 in credits on rideshare purchases annuallyyearSource ↗ | $100/yr |
| Up to $80 in United travel credits on Avis or Budget purchasesyearSource ↗ | $80/yr |
| Up to $120 Global Entry, TSA PreCheck® or NEXUS fee creditevery 4 years (amortized)Source ↗ | $25/yr |
| Total credits / year we count | $885 |
The total counts each credit at face value, and only the ones reachable at this spending level.
Signup Bonus
Earn 60,000 bonus miles + 500 PQP after you spend $4,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Value: $700 · Spend $4,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.24% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People whose flights are mostly with JPMorgan Chase Bank, National Association. The 10x is where this card beats a general-purpose one, and it only applies to that spending.
Wondering if this card pays off for your situation? Is the United QuestSM Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Hilton Honors American Express Aspire Card$1,448 (+$593)
- American Express® Gold Card$883 (+$28)
- City National Crystal® Visa Infinite® Credit Card$864 (+$9)