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The United Quest℠ Card waives the annual fee for US military servicemembers. This is in accordance with Chase's Military Lending Act (MLA) policy.
Chase credit card military policy waives the annual fees on all personal credit cards for military servicemembers and military spouse, including the ultra-premium Chase Sapphire Reserve® Card.
United Quest℠ Card
Learn how to apply on our partner's secure site
- $350 annual fee – may be adjusted with Chase Policy
- Earn 80,000 bonus miles and 3,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- Earn 3x miles on United® purchases
- 2x miles on dining, select streaming services, and all other travel
- Earn 1x mile on all other purchases
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 8 weeks of February 1, starting in the calendar year following your account open date.
- Free first and second checked bags–a savings of up to $360 per roundtrip (terms apply)
- Earn a 10,000-mile eligible award flight discount after spending $20,000 each calendar year
- Member FDIC
Chase waives the annual fees to comply with the Military Lending Act. Check the MLA database before you apply to ensure you will get your annual fees waived.
You may also want to consider The United Club℠ Card, which can earn even more United miles and grant you United Club lounge access when you fly.
The United Quest Card Benefits
The primary benefit on this card is the huge welcome bonus. Depending on how you use the points, you could score round-trip free flights in first or business class.
There's a checked bag benefit of two free checked bags for the cardholder and a companion, which can save some money when you travel.
Unless you fly United every month or so, I would skip this card and get a more flexible travel rewards card like the American Express Platinum Card®, American Express® Gold Card, Chase Sapphire Preferred, or Chase Sapphire Reserve.
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Learn how to apply on our partner's secure site
- $795 annual fee adjusted with Chase policy
- bonus_miles_full
- Earn 8x points on all purchases through Chase Travel℠ including The Edit℠
- 4x points on flights and hotels booked direct
- 3x points on dining worldwide
- 1x points on all other purchases
- Get a $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Live the lounge life at over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years which saves you a ton of time
- Up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Complimentary Apple TV+ and Apple Music. Subscriptions run through 6/22/27 – a value of $250 annually
- Member FDIC
- Learn more in the Chase Sapphire Reserve review
Chase Sapphire Preferred® Card
Learn how to apply on our partner's secure site
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 5x points on travel purchased through Chase Travel℠
- 3x points on dining (includes takeout, delivery, and dine-in), select streaming services and online groceries
- 2x points on all other travel purchases
- 1x points on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year
- No foreign transaction fees, great for overseas OCONUS assignments, TDY, and PCS
- Primary rental car insurance coverage & trip cancellation/interruption insurance, and more.
- DashPass is complimentary which unlocks $0 delivery fees & lower service fees for a minimum of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Upgrade to a Chase Sapphire Reserve after 1 year (compare Reserve vs Preferred)
- $95 annual fee can be adjusted with Chase policy
- Member FDIC
The points these cards earn are much more flexible for cash out or travel. You can transfer Chase or Amex points to travel partners. Learn more about how to maximize your travel benefits with these cards in my 100% free online course.
Another United Card to consider is the The United Club℠ Card. This card can be even better for United Club lounge access and earning United miles.
United Club℠ Card
Learn how to apply at our partner's secure site
- bonus_miles_full
- Earn 4x miles on United® purchases
- Earn 2x miles on dining and all other travel
- Earn 1x mile on all other purchases
- United Club℠ card membership – at least a $750 value per year
- Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply)
- Premier Access® travel services
- Earn up to 20,000-miles in award flight discounts annually
- $695 annual fee, reduced to $0 with Chase Policy
- Member FDIC
United Quest Card Questions
The best United Airlines credit card is United Club Card. The annual fee on the United Club Card is waived for military.
If you fly United a few times a year or you are looking for an easy way to earn United miles, then the United Quest card can be worth it.
Is it possible to get multiple United Quest or Club cards through a product change. I’m outside the 24 month SUB period and am considering a PC from quest to a second club so I can get a second SUB.