Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- The $350 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $350 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$81/yr
$331 rewards + $100 credits - $350 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$170/yr
$420 rewards + $100 credits - $350 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$360/yr
$610 rewards + $100 credits - $350 fee
Rewards by Category
Dining
2x
Grocery
1x
Gas
1x
Flights
3x
Hotels
2x
Other Travel
2x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.2 cents per point
The Fine Print That Changes the Math
3x on United, 2x on dining, hotels, and travel. Two free checked bags. $125 United purchase credit.
Benefits & Credits
$125 United Purchase Credit$125
We count this at 80% of face value (typical usage)
Applies to United-related purchases. Broad enough that most cardholders realize it; default 80% leaves room for cardholders who don't fly United.
United Quest Card FAQ
What is the United Quest Card annual fee?
The United Quest Card has a $350 annual fee. Statement credits worth about $100/yr at typical usage reduce the effective cost.
What is the United Quest Card signup bonus?
70,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the United Quest Card?
3x on flights, 2x on hotels, 2x on other travel. Everything else earns 1x.
Is the United Quest Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $81/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Compare With Similar Cards
Is United Quest Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.