The United Quest Card and United Club Infinite Card are both travel rewards cards offered by Chase Sapphire in partnership with United Airlines. Both cards offer valuable perks for frequent United flyers, but they also have distinct advantages and disadvantages.
General Comparison
Naturally, the Infinite card offers a much better rewards ratio but its annual fee is higher.
It also offers unique travel benefits such as lounge access, IHG Platinum elite status, Visa Infinite concierge, and more luxury benefits.
Here's a comparison of the card's main features:
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Comparing Rewards: A Practical Simulation
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| |
|---|---|---|
Spend Per Category | United Quest Card | United Club℠ Infinite |
$15,000 – U.S Supermarkets | 15,000 miles | 15,000 miles |
$5,000 – Restaurants
| 10,000 miles | 10,000 miles |
$7,000 – Airline | 21,000 miles | 28,000 miles |
$5,000 – Hotels | 10,000 miles | 10,000 miles |
$4,000 – Gas | 4,000 miles | 4,000 miles |
Estimated Annual Value | 60,000 miles | 67,000 miles |
Estimated Redemption Value | 1 point = ~1.2 cents
| 1 point = ~1.2 cents
|
Estimated Annual Value | $720 | $804 |
Benefits You'll Get On Both Cards
Since both cards are United focused, they share many common benefits:
- Global Entry/TSA Precheck® Reimbursement: Get a $100 statement credit every four years to cover Global Entry, TSA Precheck®, or NEXUS application fees, expediting your airport security experience.
- 25% Back on In-Flight Purchases: Enjoy a 25% statement credit on food, beverages, and Wi-Fi purchases during United-operated flights when you pay with your United Card, saving you money on in-flight expenses.
- Auto Rental Collision Damage Waiver: Decline rental company collision insurance and charge the rental cost to your card for primary insurance coverage against theft and collision damage for most rental cars in the U.S. and abroad.
- Baggage Delay Insurance: If your baggage is delayed by a passenger carrier for over 6 hours, get reimbursed for essential purchases like toiletries and clothing, up to $100 a day for 3 days.
- Lost Luggage Reimbursement: Receive coverage up to $3,000 per passenger or immediate family member for damaged or lost luggage by the carrier.
- Trip Cancellation/Interruption Insurance: Be reimbursed for pre-paid, non-refundable passenger fares (up to $1,500 per person and $6,000 per trip) in case your trip is canceled or cut short due to covered situations like illness or severe weather.
- Trip Delay Reimbursement: Get coverage for unreimbursed expenses such as meals and lodging, up to $500 per ticket, if your common carrier travel is delayed over 12 hours or requires an overnight stay.
- Purchase Protection: Enjoy coverage for new purchases against damage or theft for 120 days, with limits up to $10,000 per claim and $50,000 per year.
- Extended Warranty Protection: Extend eligible warranties of three years or less by an additional year.
- DoorDash: Receive one year of complimentary DashPass membership for unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
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Exclusive Benefits Of The Quest Card
While the Quest card is a lower-tier card compared to the Infinite card, it still offers some unique benefits:
- Up to 10,000 Miles in Award Flight Credits: Starting from the first anniversary, cardholders get 5,000 miles back in their MileagePlus account after taking up to 2 United or United Express-operated award flights annually.
- $125 Annual United Purchase Credit: Cardholders receive up to $125 in statement credits for United purchases each account anniversary year.
- Visa Concierge: Access complimentary 24/7 Visa Signature® Concierge Service to assist with finding event tickets, making dinner reservations, and more.
- Earn up to 6,000 Premier Qualifying Points (PQP): Get 500 PQP for every $12,000 spent on purchases with your United Club Card (up to 6,000 PQP in a calendar year) to advance your Premier status qualification, up to Premier 1K® level.
Exclusive Benefits Of The United Club Infinite Card
Here's what you can get exclusively on the Infinite card:
- United Club Membership: Access United Club locations and affiliated Star Alliance™ lounges worldwide, offering a comfortable space with complimentary snacks, beverages, and work areas, worth up to $650 annually.
- IHG One Rewards Platinum Elite status: IHG One Rewards Platinum Elite status, granted to the primary Cardmember, includes perks like complimentary room upgrades, extended check-out when available, and the ability to earn points for free nights and elite points with no expiration.
- Earn up to 8,000 Premier Qualifying Points (PQP): Get 500 PQP for every $12,000 spent on purchases with your United Club Card (up to 8,000 PQP in a calendar year) to advance your Premier status qualification, up to Premier 1K® level.
- Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges, making your airport experience smoother and more convenient.
Visa Infinite® Concierge Services: Visa Infinite® Concierge Services offer round-the-clock personalized assistance for travel arrangements, dinner reservations, and event tickets, providing a comprehensive support service available every day of the year, whether at home or abroad.
Return Protection: provides reimbursement for eligible items that a store refuses to accept within 90 days of purchase
Avis President's Club: Avis President's Club, available to the primary Cardmember of the United ClubSM Card, offers complimentary two-car class upgrades, guaranteed car availability, expedited rental service, and more.
When You Might Want the United Quest Card?
You might prefer the United Quest if:
Frequent United Flyers on a Budget: If you are a regular United Airlines traveler but want to manage costs, the United Quest Card offers a competitive array of benefits, including priority boarding, free checked bags, and $100 Global Entry or TSA PreCheck, at a more accessible annual fee compared to the United Infinite Card.
- You're Primarily Interested In Earning Miles For United Flights: Based on our analysis, there is no significant difference in points accumulation between the cards. So if you're mainly looking to earn miles, the Quest card may be a better option.
When You Might Want the United Infinite Card?
You might prefer the United Club Infinite card if:
You Spend A Significant Amount On United Purchases. The Infinite Card earns 4x miles on all United purchases compared to 3x miles on the Quest Card. This can lead to faster accumulation of miles if you frequently make United-related purchases.
You Want Airport Lounge Access: The United Infinite Card is a better choice for individuals who value access to United Club lounges, providing a more comfortable and exclusive travel experience compared to the United Quest Card.
You Want The Additional Perks And Status That Come With A Premium Card: The Infinite Card comes with a host of exclusive benefits, such as premier access travel services, IHG Platinum elite status, PQPs for purchases and return protection, which add to its overall value proposition.
Compare The Alternatives
If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:
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|---|---|---|---|
Capital One Venture X | Chase Sapphire Reserve® | Citi®/AAdvantage® Platinum Select® World Elite Mastercard® | |
Annual Fee | $395 | $550 | $99 (waived for the first 12 months)
|
Rewards |
1X – 10X
10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases |
1X – 10X
5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases. |
1X – 2X
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
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Welcome bonus |
75,000 miles
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening |
60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
|
50,000 Miles
50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
|
Foreign Transaction Fee | $0 | $0 | $0 |
Purchase APR | 19.99% – 29.99% (Variable) | 22.49%–29.49% variable | 21.24% – 29.99% (Variable) |
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