United Gateway vs Quest
Casual United flyer or committed one?
United Gateway Card
Chase
- Our rating
- 6.9/10
- Welcome bonus
- 20,000 points
- Bonus value
- ≈$240
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 2x United purchases
- 2x Gas stations and local transit
- 1x All other purchases
United Quest Card
Chase
- Our rating
- 8.3/10
- Welcome bonus
- 90,000 points
- Bonus value
- ≈$1,080
- Annual fee
- $350
- Credits, max/yr
- $450
- Foreign txn fee
- None
Top earning rates
- 3x United purchases
- 2x Dining and select streaming
- 2x All other travel
- 1x All other purchases
The Compound Verdict
Our ratings give it to the United Quest Card (8.3 vs 6.9). On current welcome offers, the Quest brings the bigger first-year haul at ≈$1,080. The fee gap is $350 a year, so make sure the extra credits and multipliers actually fit your spend.
Read the full reviews for the complete math: United Gateway review and Quest review, or put them side by side in the comparison tool.