United Quest Card Overview
this United Quest℠ Card (See Rates & Fees) is a great option for frequent United travelers and offers benefits like free checked bags, priority boarding and in-flight discounts on United flights. This card is a great choice for those who frequent United and can track benefits to maximize their card membership. Card Rating*: ⭐⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not influenced by card issuers.
this United Discovery Card The perfect “in-between” card for frequent United travelers, it has an annual fee of $350. It provides benefits than United℠Discover Card (See Rates and Fees) and the annual fee is lower than the premium United Club℠ Card (See Rates and Fees).
The recommended credit score for the United Quest card is at least 670. However, it is possible for lower scores to be approved.
Here’s what you need to know about the United Quest card to decide if it’s right for you.
United Quest Card Pros and Cons
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United Quest Card Welcome Offer
new United Discovery Card Cardholders can earn 80,000 miles and 3,000 Premier qualifying points after spending $4,000 in purchases within the first three months of account opening.
According to TPG’s February 2026 valuation, United miles are worth 1.5 cents each, making the miles in this offer worth $1,200.
This isn’t the best bonus we’ve seen in the card’s history, but it’s slightly higher than its typical offers. Now might be a good time to apply.
Please note, this offer does not apply to current or former cardmembers who have received a new bonus within the past 24 months. Chase’s 5/24 rule also applies.
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RELATED: The Ultimate Guide to Earning Elite Status with a United Card
United Quest Card Offers
this United Discovery Card There are some helpful perks for regular United fliers who don’t necessarily want or need the United Club access that comes with top-tier flights United Club Card.
Here are some of its top benefits.
travel bank cash
With this card, you’ll earn $200 in TravelBank Cash each account anniversary year.
The credit can offset more than half of the card’s $350 annual fee.
Redeem reward discounts
After your first cardmember anniversary, you will receive a one-time 10,000-mile discount. TPG values 10,000 mile points at $150.
You can also earn a second 10,000 mile point after you spend $20,000 on the card in a calendar year.
In addition to these benefits, United Quest cardholders also enjoy the following United-related benefits:
- Free checked baggage: First and second baggage for the cardholder and companion on the same reservation*
- In-flight discounts: Get 25% back on United Airlines in-flight purchases
- PQP improvement: Increased by 1,000-PQP annually. (This information will appear in your MileagePlus account within eight weeks of February 1, starting in the calendar year following your account opening date.)
- PQP benefits: Earn up to 18,000 PQP per calendar year (1 PQP for every $20 spent)
- Priority boarding
Cardholders can also enjoy the following benefits overseas with United:
- hotel credit: United® cardmembers can earn up to $150 in annual statement credits each account anniversary year for prepaid reservations made through leading hotels and resorts
- Instacart Credit: One $10 and one $5 monthly Instacart credit, plus three months of free Instacart+ membership (ends December 31, 2027)
- JSX Credit: Earn up to $150 in annual statement credit on JSX flight purchases per account anniversary year
- car rental credit: Up to $40 each for the first two Avis or Budget car rentals booked through United Cars per account anniversary year
- Online car hailing credit: Up to $8 in monthly bill credits for ride-hailing services, plus a $4 bonus in December ($12 total) (annual opt-in required)
- TSA PreCheck/Global Entry Points: Up to $120 every four years
- Travel and purchase protection
*You must pay for your ticket with your Quest Card to check in your bag for free – including taxes and fees paid when using miles to book award tickets.
Additionally, if you spend $40,000 with the card in a calendar year, you’ll receive two global Economy Plus seat upgrades.
That’s a long list of points that covers everything from grocery delivery to car rentals and hotel bookings, but it also helps offset the United Quest card’s higher annual fee.
Some of these benefits will be easier to use than others. For example, if you don’t regularly rent cars with Avis or Budget or book through JSX, these benefits may be more difficult to maximize. Others, such as Instacart points and hotel deals, may be more valuable to cardholders.
Generally speaking, if you fly United regularly, you’ll love the points and free checked bags this card offers. If you’re pursuing United membership, the extra PQPs this card earns will accelerate your progress.
RELATED: Airline Baggage Fees: How Much It Costs to Check a Bag on Major U.S. Airlines
Earn miles with the United Quest Card
In addition to United Airlines’ purchases, United Discovery Card Earn bonus miles in multiple categories. With this card you will get:
- Earn 8 miles for every $1 spent on United flights
- Earn 5 miles for every $1 spent on hotel stays at leading hotels and resorts
- Earn 3 miles per $1 spent on all other United purchases
- Earn 2 miles for every $1 spent on dining, select streaming purchases, and other travel purchases
- Earn 1 mile per $1 spent on all other purchases
Use the United Quest Card to earn bonus miles on general travel and dining purchases, as well as United purchases. Still, you’ll find similar or better earnings in these categories on other travel cards.
RELATED: The Best Credit Cards to Use on United Airlines Flights
Redeem miles with the United Quest Card
You can use United MileagePlus miles to book flights on United or its partners, such as Air Canada, Lufthansa and Singapore Airlines. You can choose to use a minimum of 5,000 miles to book domestic routes on United and use more miles to fly business class to Asia on All Nippon Airways.
You can also redeem your miles for non-flight items, including United Club memberships, in-flight Wi-Fi purchases, TSA Pre-Check, car rentals and hotel stays.
Additionally, you can transfer miles to Marriott Bonvoy, but the value you get from your miles using any of these options is lower than when booking a flight using these options.
Andrea Rotondo, director of content operations at TPG, recently redeemed 6,000 United miles for a one-way economy class flight between Frankfurt and Vienna.
Low-cost mile redemptions aren’t limited to domestic flights; you can also score great deals on international travel.
Travel writer Rachel Craft used 88,000 United miles to redeem a one-way business class ticket on Ethiopian Airlines from Denver to Antananarivo, Madagascar. If she paid in cash, the flight would have cost her about $9,000.
Related: How to redeem miles with United’s MileagePlus program
What cards compete with United Quest cards?
If you want more United benefits or can’t justify the annual fee United Discovery Cardone of these cards may be more suitable for:
- If you want to use United Club: this United Club Card More United deals available. It has a higher annual fee of $695, but United Club membership is worth $750, so that benefit justifies the card’s annual fee. The card also comes with a higher earn rate on United purchases. To learn more, read our full review of the United Club Card.
- If you want more flexible rewards: this Chase Sapphire Preferred® Card (see Rates and Fees) has similar award categories and allows you to transfer your Chase Ultimate Rewards points to United or any of Chase’s other transfer partners. Plus, it has a low annual fee of just $95. To learn more, read our full review of the Chase Sapphire Preferred.
- If you want to take advantage of United’s benefits at a lower annual fee: this United Discovery Card Earn bonus miles when you purchase United merchandise. It offers free checked bags for you and a companion, but low holding fees, with an introductory annual fee of $0 the first year and $150 thereafter. To learn more, read our full review of the United Discover Card.
For other options, browse our full lists of the best airline credit cards and the best travel credit cards .
Related: United Quest vs. United Club: How much premium do you want?
Is the United Quest Card Worth It?
The $350 annual fee might seem a bit high, but if you max out your $200 in TravelBank cash and check a standard bag on four one-way United flights per year, you’ll come out ahead.
bottom line
this United Discovery Card Offers a host of benefits and a variety of travel benefits to United travelers each year. If you’re a frequent United flyer and would like to maximize this set of benefits, this card might be a great choice for you.
That being said, anyone looking for free airport lounge access or more flexible rewards may want to take a different route.
Apply here: United Discovery Card
