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United Quest Card vs United Club Card

At our sample profile ($31,100/yr spend, only “easy” credits counted), the United Quest Card comes to $1,358 in the first year and $358 a year after that; the United Club Card comes to $938 and −$187. Annual fees are $350 and $695, against $860 and $890 a year in stated credits. Figures from the issuers’ pages, checked October 23, 2026; your spending will change the result.

Data checked by Chris Manns · Last updated October 23, 2026

	United Quest℠ Card	United Club℠ Card
Issuer	Chase	Chase
Annual fee	$350	$695
Welcome bonus	80,000 miles≈ $1,000after $4,000 in 3 months	90,000 miles≈ $1,125after $5,000 in 3 months
Rewards currency	United MileagePlus	United MileagePlus
Value per point	~1.25¢ each, median of 6 published valuations	~1.25¢ each, median of 6 published valuations
Earning	4x United only Flights (booked with the airline) 2x Flights (booked with the airline), Hotels (booked with the hotel), Other travel 2x Dining & takeout 1x everything else	5x United only Flights (booked with the airline) 2x Flights (booked with the airline), Hotels (booked with the hotel), Other travel 2x Dining & takeout 1x everything else
Fee vs stated credits	$350 vs $860stated credits a year (face value)	$695 vs $890stated credits a year (face value)
Yearly cost after year 1	$150fee − $200 of “easy” credits (our default)	$695fee − $0 of “easy” credits (our default)
Year 2+ value*	$358 each year after the first, after the annual fee	−$187 each year after the first, after the annual fee
First-year value*	$1,358	$938
Credits & perks	United TravelBank cash easy $200/yr · $200 after account opening and each account anniversary Renowned Hotels and Resorts credit niche $150/yr · up to $150 each anniversary year Rideshare credits niche $100/yr · $8/mo Jan–Nov + $12 in Dec Avis / Budget United TravelBank cash niche $80/yr · $40 on each of the 1st and 2nd rentals, each anniversary year Instacart credits niche $180/yr · one $10 + one $5 credit each month JSX flight credit niche $150/yr · up to $150 each anniversary year	Renowned Hotels and Resorts credit niche $200/yr · up to $200 each anniversary year Rideshare credits niche $150/yr · $12/mo Jan–Nov + $18 in Dec Avis / Budget United TravelBank cash niche $100/yr · $50 on each of the 1st and 2nd rentals, each year Instacart credits niche $240/yr · monthly Instacart credits, up to $240 per calendar year JSX flight credit niche $200/yr · up to $200 each year
Perks (no $ unless the issuer states one)	Free first and second checked bags for you and one companion (United: “save up to $440 per roundtrip”) Group 2 priority boarding (Chase: “a value of $48 per person per roundtrip”) 10,000-mile award flight discount each anniversary 1,000 Premier qualifying points (PQP) each year 2 Economy Plus seat upgrades after $40,000 spend in a calendar year	United Club membership for you and a guest ($750/yr issuer-stated) Free first and second checked bags for you and one companion (United: “save up to $440 per roundtrip”) Premier Access priority check-in, security, boarding and baggage 1,500 Premier qualifying points (PQP) each year
Source	Issuer page	Issuer page

Face value isn’t real value: a credit only saves you money if you’d have spent it anyway. *Year 2+ and first-year values use our sample profile and default credit ticks. Add a third card · How we calculate

United Quest Card vs United Club Card: quick answers

Which has the bigger welcome bonus, United Quest Card vs United Club Card?

The United Club Card has the bigger headline bonus in dollars: 80,000 miles (≈$1,000) vs 90,000 miles (≈$1,125), at median published point values, checked October 23, 2026.

Which has the lower annual fee?

The United Quest Card: $350 vs $695 a year.

Which costs less after year 1, once credits are counted?

Yearly cost after year 1 (annual fee minus the easy credits we count by default): United Quest Card $150, United Club Card $695. Tick the credits you’d really use on each card page to get your own figure.