Update: It is now confirmed that you can redeem the $125 annual United credit on United Travel Bank funding good for United tickets for at least 5 years. That lowers the effective annual fee to $125.
Additionally, you can redeem 16,667 miles to offset the $250 annual fee. If you also take advantage of the 10,000 mile annual anniversary rebate, that means you can redeem a net of 6,667 miles to cover this card’s annual fee and get a $125 annual Travel Bank credit for United tickets. Plus of course you and a companion will each get 2 free checked bags when flying United worldwide!
The Chase United Quest Card appears to be the strongest card in the United portfolio!
Table of Contents
Intro signup bonus
Through 6/2 only, you can earn up to 100,000 bonus miles for opening a Chase United Quest Card. Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months, plus an additional 20,000 bonus miles after you spend another $5,000 in the first 6 months.
You can currently redeem 16,667 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!
The Quest Card has unique benefits like an annual rebate of up to $125 on United spending and a rebate of up to 10K miles as described below. If you take advantage of those benefits annually and value the United miles at just 1.25 cents each, they would completely offset the annual fee. Plus, you and a companion will each get 2 free checked bags worldwide when you fly United, and more!
If 2 people bring 2 bags each on an international trip in economy, that would normally cost $400 round-trip, but it will be free with the United Quest card!
If 2 people bring 2 bags each on an international trip in basic economy, that would normally cost $680 round-trip, but it will be free with the United Quest card!
Comparison to previous offer
This is a brand new card offering.
Welcome bonus terms
You can receive the bonus on this card if you haven’t received a bonus on a Chase United Quest card in the past 24 months and don’t currently have a Chase United Quest card.
All Chase cards are now subject to 5/24 restrictions. That means it will be hard to get approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Read more about that here.
You can change between the following card products:
- Chase United Gateway Card (No annual fee)
- Chase United Explorer card ($95 annual fee)
- Chase United Quest card ($250 annual fee)
- Chase United Club Infinite Card ($525 annual fee)
- 3 miles per dollar on United purchases.
- 2 miles per dollar on all travel spending.
- 2 miles per dollar on dining and restaurant delivery.
- 2 miles per dollar on select streaming services.
- 2 free checked bags worldwide for each the cardholder and a companion when flying United and paying with the card, even on basic economy fares!
- Get a rebate up to $125 every cardmembership year, equal to the amount spent on United tickets, upgrades, seat assignment fees, WiFi, inflight food and beverages, baggage fees, or other United charges. This will also work for United Travel Bank funding valid for future United flights with a minimum 5 year validity!
- Get a rebate of 5,000 miles, up to 2 times per cardmembership year starting with your first card anniversary, for a total of up to 10,000 miles per year, when the primary cardholder flies on an award that includes at least 1 United flight segment. You’ll get the 5,000 mile rebate even if the award cost less than 5,000 miles! You’ll want to redeem 2 one-way awards as those will each trigger a 5,000 mile rebate.
- Earn 500 PQPs towards elite status for every $12K/year spent on the card, up to 3,000 PQPs for $72K/year spending. Most United cards are capped at 1,000 PQP earnings for $24K spending per year. You can earn up to 5,000 PQPs per year from card spending across all United cards (grandfathered Presidential Plus PQP earnings are excluded from the 5K cap). Learn more about PQPs here.
- Cardholders get Global Entry/Pre-Check for free.
- Cardholders get a 25% rebate on inflight WiFi, food, and drink purchases.
- A free carry-on bag for the cardholder and companions, even on basic economy fares.
- Priority boarding for the cardholder and companions, even on basic economy fares.
- The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
- 5,000 bonus miles every card anniversary if you have the Chase United Business Card and any United consumer card.
- Primary rental car CDW insurance in every country.
- No foreign exchange fees.
- Trip Cancellation/Interruption Insurance
- Trip Delay Reimbursement
- Baggage Delay Insurance
- Lost Baggage Insurance
- Travel Accident Insurance
- Extended Warranty Protection
- Purchase Protection
- Roadside Assistance
- Exclusive cardmember access to auctions that allow you to use your miles for once-in-a-lifetime experiences. A few years ago I used 25K miles for 4 field box seats to an Indians game along with the right to run onto the field before the top of the 7th inning and swipe 2nd base right off the field. Nobody could believe it as I walked around the ballpark with 2nd base. I even got it signed after the game by the Indians wining pitcher that night, who was equally shocked that I actually had 2nd base.
- Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes.
- United miles never expire, even if you close your card.
Expanded award ticket availability
The reason this card is the best airline card you can get isn’t for the spending benefits, it’s for the perks. And they are awesome.
The reason this is my favorite airline card is that the United card is the only airline card that offers expanded award ticket availability.
This increases the value of your miles significantly and in turn makes the Chase Quadfecta/Quinfecta spending strategy even more valuable.
Cardholders have access to expanded saver coach award availability (XN class), last seat standard coach award availability (YN class), and last seat standard business/first class award availability (JN class).
It’s not just slightly expanded. There is a world of difference between the availability that cardholders can access and the availability for non-cardholders.
This availability differential applies to all domestic and international routes and makes it crucial to be a United cardholders.
Expanded Plan B availability
As you have better access to saver coach awards you’ll also have better ability to do Plan B awards.
Plan B allows you to redeem for saver business class awards when there’s only saver coach available! Read more about Plan B in this post.
No airline besides United offers a Plan B style award redemption.
Discounted awards for cardholders
United runs promotions offering discounts on award flights for cardholders.
Here Is United’s Hidden Award Chart
United no longer publishes an award chart, but rates for United flights found in their old award chart are still correct.
United does charge a close-in mileage surcharge and they can be found in the chart below. Note that the you’ll want to book travel as 2 one-ways to avoid paying the surcharge on the return leg when it wouldn’t apply when booked separately. However if you do that you would lose your ability to take a free stopover.
Partner award rates have gone up and they can be found in the unpublished award chart below with one-way rates for flights to/from the mainland US:
|United flights||Partner flights|
|Close-in surcharge within 7 days||2.5K-3K miles||1K-3.5K miles|
|Close-in surcharge 8-21 days in advance||2K-2.5K miles||1K-3.5K miles|
|Mainland US/Canada||12.5K Coach|
35K Premium Business
40K Premium Business
50K Premium Business
|Central America||17.5K Coach|
|Northern South America||20K Coach|
|Southern South America||30K Coach|
|Middle East||42.5K Coach|
|Central Asia||42.5K Coach|
|South Asia||40K Coach|
|North Asia||35K Coach|
|Japan and Oceania||35K Coach|
|Australia and New Zealand||40K Coach|
While American and Delta have eliminated free stopovers, United continues to offer a free excursionist perk as described in this post. Just use the multi-city award search on United.com to piece it together.
A round-trip to 2 Hawaiian Islands is just 45,000 miles round-trip thanks to the free excursionist perk:
A round-trip ticket to 2 European or South American cities is just 60,000 miles round-trip thanks to the free excursionist perk:
A flight to 2 of my favorite cities in Asia, Hong Kong and Chiang Mai, Thailand is 80K miles thanks to the perk:
You’re even allowed a free open jaw in addition to the perk to really maximize your travel. For example this itinerary includes travel to London, Paris, and Zurich. You can take a train or use 4.5K BA Avios to get from London to Paris to fill the hole in the open jaw:
Of course the free stopover isn’t just useful from the US.
You can stopover in NYC and LA when flying from Tel Aviv to the US:
United has dozens of partner airlines which means lots of great award opportunities. It can be worth checking for award space on partner sites like ANA or Aeroplan.com to search for award availability and then call United to book if you don’t see availability on United.
Partners airlines include:
- Aegean Airlines
- Aer Lingus
- Air Canada
- Air China
- Air Dolomiti
- Air India
- Air New Zealand
- Asiana Airlines
- Austrian Airlines
- Avianca Airlines
- Azul Brazilian Airlines
- Brussels Airlines
- Cape Air
- Copa Airlines
- Croatia Airlines
- EVA Air
- Ethiopian Airlines
- Hawaiian Airlines
- Island Air
- Juneyao Airlines
- LOT Polish
- Scandinavian Airlines
- Shenzhen Airlines
- Silver Airways
- South African Airways
- Swiss International Airlines
- TAP Portugal
- Turkish Airlines
Will you signup for a Chase United Quest card?