United Quest℠ Card
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How we calculate effective rate →
The United Quest℠ Card from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $300. New applicants may see: Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying activities..
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $300
Best for dining-heavy spend when the $300 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the United Quest℠ Card earn in each category?
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United Quest℠ Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and.
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United Quest℠ Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 1x miles | 1.2% |
| Travel Flights, hotels, transit | 1x miles | 1.2% |
| Other General everyday spend | 2x miles | 2.4% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the United Quest℠ Card?
The United Quest℠ Card fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
United Quest℠ Card fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $300 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.4% effective (2x miles).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $300 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
What is the United Quest℠ Card welcome bonus?
In Madeen's catalog snapshot, the United Quest℠ Card welcome offer is Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying activities.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 70k United MileagePlus (~$840 estimated)
- Terms (catalog snapshot)
- Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying activities.
- Minimum spend
- $4,000
- Window
- 3Months
Does the United Quest℠ Card have an annual fee?
The United Quest℠ Card has an annual fee of $300 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $300
- Foreign transaction fee
- None
What travel perks does the United Quest℠ Card include?
The United Quest℠ Card includes Free checked bag, $200 annual United travel credit, 25% back on United inflight and Club premium drink purchases, 3-Month Complimentary Instacart+ Membership in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free checked bag
Free first and second checked bags – savings of up to $320 per roundtrip - The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card.
What benefits come with the United Quest℠ Card?
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Trip Cancellation/Interruption Insurance
$10,000/yrYou 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.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf 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.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Trip Delay Reimbursement
$500/yrIf 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.
Baggage Delay Insurance
$300/yrReimburses 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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
$200 annual United travel credit
$200/yrAutomatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary, for a future United® - or United Express® - operated flight.
Up to $180 in Instacart credits
$180/yrReceive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your United Quest Card.
Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers
$150/yrReceive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Quest? Card.
Related encyclopedia topics
Common questions about the United Quest℠ Card
Where do cardholders spend most with the United Quest℠ Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (2x), tv and movies (2x), coffee (2x) for the United Quest℠ Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the United Quest℠ Card have an annual fee?
The United Quest℠ Card carries an annual fee of $300 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United Quest℠ Card?
Dining is the strongest Madeen category for the United Quest℠ Card at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United Quest℠ Card charge foreign transaction fees?
The United Quest℠ Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the United Quest℠ Card welcome bonus?
The United Quest℠ Card welcome offer in our snapshot: Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP) after qualifying activities.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the United Quest℠ Card annual fee worth it?
Whether the $300 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the United Quest℠ Card compare to similar cards?
Compare the United Quest℠ Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United Quest℠ Card This card | Dining | 2.4% | $300 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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