Chase United Quest

The Chase United Quest from Chase has a $350 annual fee. At $2,650 a month of typical household spending it pays about $109 a year after fees, before statement credits, $527 less than the Citi Double Cash, a flat 2% card.

Terms checked October 25, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.

What does the Chase United Quest earn?

4x United purchases; 2x dining; 2x streaming; 2x travel; 2x transit; 1x on everything else.

Not counted in the numbers on this page:

5x on Renowned Hotels and Resorts stays
MileagePlus member miles on United flights (6x) are not card earn
500 PQP after first purchase

How much would it pay you a year?

This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.

Spending a month	Chase United Quest	Citi Double Cash (2%)
$1,500	−$90	$360
$2,650 (the survey median)	$109	$636
$5,000	$516	$1,200

The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.

How did it do for real households?

We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It was never the best of the 53 cards for any household, and never paid more than the Citi Double Cash, a flat 2% card. For the median household it paid $533 a year less than the flat 2% card.

The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.

What credits does it come with?

Up to $886 a year in credits, worth that much only if you would spend at these merchants anyway. PointMaxx counts a credit only when your statements show you'd have used it.

Credit	Up to
United travel credit	$200 a year
Renowned Hotels and Resorts credit	$150 a year
Rideshare credit	$8 a month ($96 a year)
Avis / Budget credit	$80 a year
Instacart credit	$15 a month ($180 a year)
JSX credit	$150 a year
Global Entry / TSA PreCheck / NEXUS credit	$120 every 4 years ($30 a year)

Fees and sign-up bonus

Annual fee: $350.
Foreign transaction fee: none.
Sign-up bonus: 80,000 points ($960 at 1.2¢ a point) after $4,000 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.

Other benefits

First and second checked bags free: cardholder and one companion on United
Group 2 priority boarding
10,000-mile award discount each anniversary: plus another after $20,000 spend
Premier qualifying points: 1,000 card bonus PQP yearly plus 1 PQP per $20, up to 18,000
Two Economy Plus upgrades: after $40,000 annual spend
25% back on inflight and Club premium drinks: statement credit
Instacart+ membership: 3 months free then 50% off through 12/31/2027
Renowned Hotels and Resorts benefits: $100 property credit, daily breakfast for two, Wi-Fi, upgrade when available

Cards that pay about the same

At $2,650 a month, these pay closest to the Chase United Quest:

Citi Strata Elite: $79 a year
Amex Delta SkyMiles Platinum: $176 a year
Chase Sapphire Reserve: $6 a year
Capital One Venture X: $241 a year

See what it would have paid you

Add your statementsFree, in your browser. Your statements are never uploaded.

PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.

Sources

See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Chase; the card's name is used only to say which card is meant.