Is the United Quest worth it in 2026?

Keep it+$250 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 1.4¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonusno current offer: —
Recurring credits (if fully used): +$500
Annual fee: −$250
Year-one value: +$250
Ongoing (year 2+, no bonus)credits − fee: +$250

Recurring credits

United Travel Credit$200/yr
JSX Flight Credit$150/yr
Renowned Hotels Credit$150/yr

Apply for the United Quest

The application happens on United's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for United QuestiOS app coming soon

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FAQ

Is the United Quest worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.4¢ — adjust both in the calculator for your own situation.

Should I cancel my United Quest?

Probably not on the numbers alone — the recurring credits ($500/yr) already cover the $250 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.