Chase · Personal card
United Quest Card
The United Quest Card has a $350 annual fee and up to $656 a year in statement credits, across five credits. Two of the five United Quest credits need a one-time enrollment before any spending counts, and Chase will not apply them retroactively.
- Annual fee
- $350
- Charged on your account anniversary
- Credits a year
- Up to $656
- 5 statement credits, used in full
- Need enrollment
- 2 of 5
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| United TravelBank credit$200 a year. On your account anniversary, not January 1 | $200 a year | On your account anniversary, not January 1 | $200 |
| Monthly Instacart creditEnroll first$15 a month. On the 1st of each month | $15 a month | On the 1st of each month | $180 |
| JSX credit$150 a year. On your account anniversary, not January 1 | $150 a year | On your account anniversary, not January 1 | $150 |
| Monthly rideshare creditEnroll firstChase requires enrollment, and the opt-in must be repeated every year.$8 a month. On the 1st of each month | $8 a month | On the 1st of each month | $96 |
| Global Entry, TSA PreCheck or NEXUS credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $656 |
What people get wrong
- Enrollment comes first. Two benefits need a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Not every credit resets in January. At least one resets on your account anniversary. Most people assume the calendar year.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the United Quest
What is the annual fee on the United Quest Card?
$350 a year, charged each year on your account anniversary.
How much are the United Quest credits worth?
Up to $656 a year if you use all five statement credits in full. The largest: United TravelBank credit ($200), Monthly Instacart credit ($180) and JSX credit ($150).
Which United Quest benefits need enrollment?
Two of the five: Monthly Instacart credit and Monthly rideshare credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the United Quest credits reset?
Monthly credits reset on the 1st of each month. JSX credit and United TravelBank credit reset on your account anniversary, not January 1. Unused credit does not roll over.
Is the United Quest worth the $350 fee?
On credits alone, only if you use at least 54% of them. They add up to $656 a year against the $350 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the United Quest earn?
United MileagePlus points, worth about 1.3 cents each in a typical redemption.
