United Quest Card

Chase · VISA SIGNATURE · annual fee $350

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 5× Renowned Hotels, prepaid
• 10× Eligible United flights
• 4× Other United purchases
• 2× Other travel (airfare, trains, transit, cruises, hotels, cars, rideshare, tolls)
• 2× Dining, incl. eligible delivery
• 2× Select streaming
• 1× Everything else

Statement credits, at their advertised value

• United TravelBank Credit, up to $200 a year
• Free Checked Bags, up to $140 a year
• Renowned Hotels Credit, up to $150 a year
• Rideshare Credit, up to $100 a year
• Avis/Budget Credit, up to $80 a year
• JSX Flight Credit, up to $150 a year
• Instacart Credit, up to $180 a year
• Global Entry / TSA PreCheck / NEXUS Credit, up to $30 a year

Advertised total $1,030 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 19.74%-28.24%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/chase-united-quest.