United Quest Card
- The welcome bonus is 80,000 miles after $4,000 in 3 months, plus 500 Premier qualifying points (PQP) after your first purchase, plus another 10,000 miles for adding an authorized user in the first 3 months - the PQP matters more than it looks, since it jump-starts United Premier status, not just your mileage balance.
- The $350 annual fee leans on a pile of credits ($200 United travel, up to $180 Instacart, $150 Renowned hotels, $150 JSX, $100 rideshare, $80 Avis/Budget) - but each is "up to," tied to a specific platform, and several need activation, so the realistic offset is well below the paper total.
- Free first AND second checked bags for you and a companion on the same reservation - on United this is one of the card's most reliably valuable perks if you check luggage.
- Spend unlocks two real perks: a 10,000-mile award discount after $20,000 and 2 Global Economy Plus seat upgrades after $40,000 - conditional, not background.
- It is a quiet United-status engine: 1,000 PQP every year plus up to 18,000 PQP from spend ($1 PQP per $20) - a genuine path toward Premier without extra flying.
- The 10x on United flights is blended - 6x from your MileagePlus membership plus 4x from the card - so you are not getting 10x purely from swiping.
- Easy-to-miss extras: a Global Entry/TSA PreCheck credit (up to $120 every 4 years), Priority Boarding, and 25% back on United inflight food, drinks, and Wi-Fi.
- **Expanded award access + cardmember award discount (sweet spot):** signed in to MileagePlus, cardmembers see extra United-operated Saver award seats that general members do not (Economy, Business, and Polaris business class), and get a discounted miles price on them (at least 10% off, and 15% for Premier members). This is one of the most underrated reasons to hold a United card. It applies to United-operated flights only, not partner awards booked through United, so it will not help an Aeroplan or other partner redemption.
The United Quest Card is the sweet spot for loyal United flyers who want serious perks without going full Polaris: $200 annual United travel credit, free checked bags for two, 10x miles on United flights, and a generous stack of partner credits totaling over $850/year - all for $350 annually. Bonus PQP, award flight discounts, and a massive welcome bonus sweeten the deal for anyone gunning for Premier status.
Welcome bonus
What you get for signing up and hitting the minimum spend.
Up to 90,000 miles · $4,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
Up to 90,000 miles · $4,000 spend in 3mo
This is an elevated offer. The standard bonus is 60,000 miles.
Plus Plus 500 PQP after the first purchase and 10,000 miles after adding an authorized user in the first 3 months.
Up to 90,000 miles total. Here's how it breaks down:
- 80,000 miles after spending $4,000 in the first 3 months
- 10,000 miles more when you add an authorized user in the first 3 months (no extra spending required)
Earn rates
How many points per dollar across categories.
7 categories · top rate 10x
See the multipliers →
Earn rates
How many points per dollar across categories.
7 categories · top rate 10x
Card-level multipliers. Earn currency: United MileagePlus.
| Category | Rate | Channel | Notes |
|---|---|---|---|
| United | 10x | direct | 10x total miles on eligible United flights - 6x from MileagePlus membership plus 4x from card. Basic Economy differs. |
| Hotels | 5x | portal | 5x on prepaid hotel stays booked directly through Renowned Hotels and Resorts for United Cardmembers |
| United | 4x | direct | 4x miles on all other eligible United purchases (non-flight United purchases) |
| Travel | 2x | — | Includes airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls |
| Dining | 2x | — | Includes eligible delivery services |
| Streaming | 2x | — | Select streaming services only |
| All other purchases | 1x | — |
Transfer in
Programs that transfer into United MileagePlus — additional paths to top up your balance.
10 programs transfer in
See the inbound paths →
Transfer in
Programs that transfer into United MileagePlus — additional paths to top up your balance.
10 programs transfer in
You can transfer points into United MileagePlus from 10 other programs — useful if you want to combine balances from multiple loyalty currencies before booking.
| From | Ratio | Notes |
|---|---|---|
| ALL - Accor Live Limitless | 2:1 | 2,000 Reward points = 1,000 MileagePlus Miles. |
| Bilt Rewards | 1:1 | No transfer fee. MileagePlus. |
| Chase Ultimate Rewards | 1:1 | 1,000 UR = 1,000 MileagePlus miles |
| Choice Privileges | 5:1 | Choice Rewards Exchange (powered by Points.com). United MileagePlus. Starts at 5,000 Choice points for 1,000 MileagePlus miles. Airline-miles exchanges are generally weak value. |
| Hilton Honors | 10:1 | United MileagePlus. |
| Hyatt | 5:2 | Standard World of Hyatt conversion at 5,000 points to 2,000 miles (5:2). Minimum 5,000 points, then 1,250 point increments. |
| IHG One Rewards | 5:1 | Convert IHG points to United MileagePlus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Marriott Bonvoy | 3:1 | Base 3:1 with an enhanced 10,000-mile bonus per 60,000 points transferred. |
| Shangri-La Circle | 1:1 | To United MileagePlus, 1:1. No transfer tax; min 1,000 points. |
| Wyndham RewardsBONUS | 5:1 | Standard Wyndham airline transfer at 5:1. Minimum 6,000 Wyndham points converts to 1,200 partner miles. Currently a 100% bonus: 6,000 Wyndham points become 2,400 United miles (confirmed on a Wyndham account 2026-10-14). Shown on the transfer screen once logged in; no end date is published. |
Unlock transfers
Pair this card with a travel card in the United MileagePlus family to unlock transfers to airline + hotel partners.
Pair with a travel card to unlock partners
See your unlock cards →
Unlock transfers
Pair this card with a travel card in the United MileagePlus family to unlock transfers to airline + hotel partners.
Pair with a travel card to unlock partners
💡 Pair with another travel card to unlock transfer partners. Points earned on this card become transferable to airline + hotel partners when you combine them into one of these United MileagePlus travel cards:
You can combine across your own personal + business cards from the same issuer (Chase allows household-member pooling too with a one-time setup; Citi keeps it to your own cards only). Check your issuer's rules for details.
Without one of the travel cards above, points on this card redeem at fixed cash-back / portal value only.
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
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Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Status accelerators
Perks that unlock at spending milestones.
3 benefits
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Status accelerators
Perks that unlock at spending milestones.
3 benefits
Travel credits
Annual travel-spend credits and portal incentives.
5 benefits
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Travel credits
Annual travel-spend credits and portal incentives.
5 benefits
Statement credits
Bill credits and recurring perks that offset annual fees.
3 benefits
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Statement credits
Bill credits and recurring perks that offset annual fees.
3 benefits
Other
Other perks on this card.
8 benefits
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Other
Other perks on this card.
8 benefits