Chase / United · card facts

United Quest

United-focused perks without paying for full Club membership.

WELCOME BONUS70k milesSpend $4,000

ANNUAL FEE$350First year: $350

CREDITSEasy$250/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,428

Welcome bonus · TPG est.+$875

Full advertised annual credits+$250

Rewards on $36,000 benchmark spend+$652

First-year annual fee−$350

Keep / year · best case credits

+$552

Definitely keep

This recurring estimate uses the full advertised credit amount. The Easy label tells you how realistic it may be to capture all $250 of those credits.

Advertised credits$250

Credit difficultyEasy

TPG Aug. 2026 value1.25¢

Annual fee$350

Fee minus advertised credits$100 cost

Credit details

$250 advertised per year · Easy to use fully

Card creditsVaries · Varies difficulty

$250 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.