Chase

United Quest

AF $350★ Keeper

What it is

The United Quest is a Chase card earning United MileagePlus miles. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. United's mid-tier card and the usual sweet spot — the best balance of welcome bonus, annual credits, and perks for someone who flies United a few times a year.

Offer history

Current offer

60,000

$780 bonus · $858 year 1

Spend to earn

$4k

~$1,333/mo · 90d

All-time high

100,000

Aug ’25

Timing

40% below

vs all-time high

Value over time

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

Offer	Bonus	Value	Year 1	Return	Date
AF $350 · benefits updated · Apr 2026
PUBLIC	60,000$4k · 90d	$780	$858	20%	Jan ’26
PUBLIC ATH	100,000$4k · 90d	$1,300	$1,378	33%	Aug ’25
PUBLIC	90,000$3k · 90d	$1,170	$1,248	39%	May ’25

What you get

No foreign transaction feesPrimary rental car insuranceTrip cancellation insurance

United travel credit$200per year
Up to $200/yr United statement credit (broad United spend). Added March 2025 refresh.
Instacart credit$180per year
$180/yr Instacart ($15/mo). value_cents_msrp=18000 ANNUAL (encoder ÷12). Added March 2025 refresh.
Free checked bag$160per year
Free 1st+2nd checked bags, cardholder + companion. Editorial ~$160.
United Hotels credit$150per year
$150/yr United Hotels portal credit. Portal-restricted. Added March 2025.
JSX credit$150per year
$150/yr JSX credit. Very niche. Added March 2025.
Global Entry credit$120one-time
$120 every 4 years. period=once.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

default values

SUB value	+$780
60,000 United × 1.30¢/pt
Ongoing benefits (yr 1)	+$413
United travel credit($200 × 75%) United travel credit $200 × 75% $150 Free checked bag($160 × 45%) Free checked bag $160 × 45% $72 Instacart credit($15/mo × 40%) Instacart credit $15/mo × 40% $72
One-time benefits (yr 1)	+$30
Global Entry credit($120 × 25%) Global Entry credit $120 × 25% $30
Annual fee	−$350
Year 1	$873
Return on $4k MSR	20%