Chase United Quest Card Review

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The Chase United Quest℠ Card $250 annual fee but comes with nice benefits such as a $125 United credit, up to 10,000 award miles each year, two free bags, and many great travel protections.

Chase United Quest℠ Card
  • Earn 70,000 United Bonus Miles for Spending $4,000 in the First 3 Months
  • 3X Miles on United Airlines
  • 2X Miles on Dining, Streaming, and Other Travel
  • $125 Annual United Statement Credit
  • Global Entry/TSA PreCheck Credit
  • Two 5,000-Mile Anniversary Award Flight Credits
  • Free First and Second Checked Bags
  • Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $250 Annual Fee

Click Here to Learn How to Apply

Quest Card Benefits on United

$125 United Credit– Card members receive a $125 credit for United Airlines each account year.

Up to 10,000 miles back on awards — automatically receive 5,000 miles back in your account after taking a United-operated award flight booked with your miles, up to twice every anniversary year starting after your first anniversary.

First and Second Bags Free– The primary cardholder and one traveling companion on the same reservation are eligible to receive their first and second bag for free when you use the Quest card to purchase your United-operated flight.

Priority Boarding- You and your companions on the same reservation enjoy priority boarding. This also allows you to bypass the Basic Economy restriction on bringing a carry-on bag.

25% In-Flight Purchases- You can receive a 25% statement credit on any in-flight purchase of food, beverages, and Wi-Fi when you pay using your Explorer card. 

Award Upgrades for Premier Members- If you are a United Premier Elite member, you can enjoy complimentary upgrades on award tickets when you fly.

Extra Elite Points– Cardmembers earn 500 Premier Qualifying Points for every $12,000 you spend each calendar year up to 3,000 PQPs.

Primary Rental Car Insurance

Primary rental car insurance covers any damage to a rental car when you pay for the rental using this card. 

But you still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

No Foreign Transaction Fees

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Global Entry / TSA PreCheck Credit

This card offers a Global Entry or TSA PreCheck fee credit.

TSA PreCheck is a membership program offering dedicated airport security lines and faster security screening (typically 5 minutes or less) at more than 200 airports across the United States and includes over 81 airlines.

With TSA PreCheck, you do not need to remove your shoes, laptop, small liquids, belts, or light jackets.

Global Entry includes TSA PreCheck and expedited immigration upon arrival from an international trip back to the United States.

TSA PreCheck and Global Entry require an interview and background check, but TSA PreCheck is typically faster and easier to obtain. 

If you already have Global Entry or TSA PreCheck, you could use the card to purchase Global Entry for a family or friend or use it when your membership needs to be renewed. (Some TSA PreCheck enrollment centers require the credit card name to match the applicant’s name, whereas Global Entry doesn’t have the same requirement.)

TSA Precheck

Trip Delay Insurance

You should always buy flights with a credit card that offers trip delay insurance, which reimburses you for things like hotels, food, transportation, and other necessary items.

Flights are increasingly delayed or canceled, and it is too risky to not use card that offers free trip delay insurance. Plus, airlines frequently blame delays on weather or an external factor to get out of paying compensation to passengers.

This benefit can really come in handy during a delay. While other passengers are worried about where to sleep and eat, you can book a nice hotel of your choice and enjoy some nice meals, without worrying about the cost.

Trip Cancellation and Interruption Insurance

When you’re planning a trip, the last thing you want to worry about is whether or not your travel plans will be covered if something goes wrong. That’s where credit card trip cancellation and interruption insurance comes in.

Trip cancellation and interruption insurance reimburse you for non-refundable expenses if your trip is interrupted or canceled for a covered reason such as illness, severe weather, or an accidental injury. 

To be eligible for trip cancellation and interruption insurance, you’ll need to pay for your travel expenses using this card.

Travel is crazy enough without having to worry about being out of pocket if something goes wrong, so I always suggest booking all travel with a card that offers travel protections.

Trip Delay - Airport Snow

Baggage Delay Insurance

Baggage delay insurance can reimburse you for the cost of necessary personal and business items if (1) you purchased your trip with this card and (2) your bag is delayed by a common carrier like an airline, train, ferry, or cruise ship, etc.

Common reimbursable items include clothing, toiletries, and phone chargers, which can be a life-saver when you are without your bag.

Lost Luggage Reimbursement

Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.

You must purchase the trip with this card, and it will also cover immediate family members traveling with you.

Coverage is also secondary to any reimbursement from the airline or common carrier. For example, if your bag and its contents were worth $1,000 and the airline gave you $200, you could file a claim for $800.

Luggage

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.

But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.

Purchase Protection for 120 Days

Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.

For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.

Coverage for this benefit is limited to $500 per claim and up to $50,000 per cardholder.

The Verdict

The United Quest mid-tier credit card for travelers who don’t travel frequently enough on United to justify the $525 annual fee United Club credit card, but want more perks than the United Explorer Card.

Chase United Quest℠ Card
  • Earn 70,000 United Bonus Miles for Spending $4,000 in the First 3 Months
  • 3X Miles on United Airlines
  • 2X Miles on Dining, Streaming, and Other Travel
  • $125 Annual United Statement Credit
  • Global Entry/TSA PreCheck Credit
  • Two 5,000-Mile Anniversary Award Flight Credits
  • Free First and Second Checked Bags
  • Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $250 Annual Fee

Click Here to Learn How to Apply