Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Global Entry/ TSA PreCheck
- Priority Boarding
- Reward Redemption Challenges
- High Annual Fee
Rewards Plan
Sign up Bonus
0% Intro
PROS
- Global Entry/ TSA PreCheck
- Priority Boarding
CONS
- High Annual Fee
- Reward Redemption Challenges
APR
21.49% - 28.49% variable APR
Annual Fee
$250
0% Intro
N/A
Credit Requirements
Good - Excellent
The United Club℠ Infinite Card stands out among the best premium airline credit cards, targeting United's frequent flyers.
The card earns 4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases, as well as a sign-up bonus of 90,000 bonus miles after qualifying purchases.
The card's standout features include a $125 annual United purchase credit, up to two 5,000-mile award flight credits each year, and the chance to earn up to 6,000 Premier Qualifying Points annually. Cardholders can redeem miles for award travel on United and its partner airlines, with the card offering a unique feature of a 5,000-mile rebate for booking an award ticket twice a year.
Additional perks include two free checked bags for both the cardholder and a companion, priority boarding, and a 25% discount on eligible inflight purchases. You’ll also receive a Global Entry or TSA PreCheck fee credit every four years. The card offers primary auto collision damage waiver on eligible rentals, along with a range of valuable insurances, including coverage for baggage delay, lost luggage, trip delays, and trip cancellations.
While the card offers valuable benefits for United Airlines loyalists, such as free checked bags and priority boarding, its perks are primarily geared towards United-related spending. If you're not a frequent flyer, general travel cards may be a better fit.
How can I redeem the earned miles?
Miles can be redeemed for award travel on United and its partner airlines, offering flexibility in flight options.
How does the annual purchase credit work?
The annual purchase credit of $125 is automatically applied to eligible United purchases made with the card.
Can the earned Premier Qualifying Points help in achieving elite status?
Yes, the card offers up to 6,000 Premier Qualifying Points annually, contributing towards United Airlines Premier status.
What insurance coverage does the card provide?
The card offers various insurances, including baggage delay, lost luggage reimbursement, trip delay reimbursement, and trip cancellation/interruption insurance.
Can the earned Premier Qualifying Points help in achieving elite status?
Yes, the card offers up to 6,000 Premier Qualifying Points annually, contributing towards United Airlines Premier status.
Pros & Cons
Let’s take a closer look at the pros and cons of the United Quest Card:
Pros | Cons |
|---|---|
United Club Passes | High Annual Fee |
$125 Annual United Purchase Credit | Checked Baggage Benefit Limitations |
TSA PreCheck or Global Entry Fee Reimbursement | Unpredictable Award Redemption Rates |
No Foreign Transaction Fees | Reward Redemption Challenges |
25% Discount on In-Flight Purchases | |
Free Check Bags & Priority Boarding |
- United Club Passes
Every year on your membership anniversary, you can receive two United Club one-time passes. You'll have access to workspaces and complimentary snacks and beverages in the United Club.
- Global Entry/TSA PreCheck Credit
You can receive up to $100 in statement credit as reimbursement for your application fee every four years if you charge it to your card.
- No Foreign Transaction Fees
Like many Chase bank credit cards, there are no foreign transaction fees when you use your card to make purchases outside of the United States.
- Priority Boarding
You and your traveling companions on the same reservation will be invited to board your United flights before the general public.
- $125 Annual United Purchase Credit
Cardholders receive an annual $125 credit towards United Airlines purchases, effectively offsetting a significant portion of the $250 annual fee.
- Free Checked Bags
The primary cardmember and a companion traveling with the same reservation can receive their first and second standard bags checked free on United flights when you book with your card. This has the potential to save you up to $320 per round trip.
- 25% Discount on In-Flight Purchases
If you pay with your Quest card, you'll receive a 25% statement credit for purchases of WiFi, food, and beverages made on United flights.
- High Annual Fee
The annual fee is quite high and stands on $250. The annual fee that is not waived for the first year.
- Checked Baggage Benefit Limitations
While the card offers free checked bags for the cardholder and one companion, the benefit is limited to one companion, potentially impacting larger travel groups.
Annual Fee
- Reward Redemption Challenges
While the card offers various redemption options, including awards for flights, the dynamic nature of United's award pricing may pose challenges for some users in maximizing the value of their miles.
Additional Perks
- 5,000 Mile Credits: Beginning with your first card anniversary, you'll receive 5,000 miles back into your account when you use your miles to book a United or United Express award flight. Each year, you can receive up to two credits.
- Trip Cancellation Insurance: You'll be covered for up to $6,000 per trip and up to $1,500 per person if your trip is cut short due to severe weather, illness, or other covered events on your pre-paid, non-refundable fares.
- Baggage Insurance: You can claim up to $100 per day for three days as reimbursement for essential purchases if your bags are delayed for more than six hours. If your checked or carry-on bags are damaged or lost by your carrier, you'll be covered for up to $3,000 per passenger.
- Trip Delay Reimbursement: If your common carrier flight is delayed for more than 12 hours, you will be reimbursed for unreimbursed expenses up to $500 per ticket.
- Auto Rental Collision Damage Waiver: The card offers rental car insurance – if you charge your entire rental cost to your United Quest card, you will receive auto rental collision damage coverage for most domestic and international rental cars.
- Visa Concierge: You will receive complimentary Visa Signature Concierge Services.
- Exclusives for United MileagePlus Cardmembers: You can also use your miles to gain access to exclusive experiences such as virtual events or winemaker dinners.
- Purchase Protections: Your new purchases are covered for theft and damage for 120 days, with a cap of $10,000 per claim and $50,000 per year. You can also add a year to the manufacturer's warranty on eligible products.
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Simulate Your Rewards: How Much You Earn?
The Quest card provides a decent rate on United purchases as well as many more options for getting travel rewards benefits (car rental, cruises etc).
So, if you fly at least twice a month or spend more than $7,000 on travel purchases each year, the annual fee for the Quest card may be worth it.
| |
|---|---|
Spend Per Category | United Quest℠ Card
|
$5,000 – U.S Supermarkets | 5,000 miles |
$3,000 – Restaurants
| 6,000 miles |
$3,000 – Airline | 9,000 miles |
$3,000 – Hotels | 6,000 miles |
$4,000 – Gas | 4,000 miles |
Estimated Total Points | $30,000 miles |
Estimated Annual Value | ~$540 |
How to Maximize the United Quest Card?
There are a couple of things you can do to get the most out of your United Quest℠ Card :
- Prioritize Travel: While you can redeem your United Explorer or United Quest miles for shopping or other rewards, the best redemption rates are usually found with travel deals. So, try to prioritize travel, even if it means waiting to accumulate enough miles for your plans.
- Be Flexible With Your Travel Dates: If possible, try to be flexible with your travel dates as well as your destinations. This will allow you to search through the various redemption options to find the best value for your miles. Try out a few different itineraries to see which one works best for you.
- Don't Assume Miles Are the Best Option: While redeeming your miles might seem like the obvious choice, it’s not always the best value. For example, if you’re booking an economy flight across the country, you might only get about 1 cent per mile. In this case, it could be better to pay cash and save your miles for a more valuable redemption later.
- Use Your Card On Board: Both cards provide 25% back in the form of statement credit for in-flight purchases such as WiFi, food, and beverages when paid for with your card. If you fly frequently, this could amount to hundreds of dollars per year.
- Use the Referral Program: If you want to boost your mile balance, refer a few family members and friends. You will receive a 20,000 mile bonus for each referral who applies and is accepted. With this program, you can earn up to 100,000 miles per anniversary year.
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