Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Instacart Mastercard® or United Quest Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Instacart Mastercard® have that the United Quest Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the United Quest Card offers travel credits.

Should I get the Instacart Mastercard® or the United Quest Card?

Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Instacart Mastercard® or United Quest Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Instacart Mastercard® have that the United Quest Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the United Quest Card offers travel credits.

Should I get the Instacart Mastercard® or the United Quest Card?

Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Instacart Mastercard® or United Quest Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Instacart Mastercard® have that the United Quest Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the United Quest Card offers travel credits.

Should I get the Instacart Mastercard® or the United Quest Card?

Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Instacart Mastercard® vs United Quest Card

The Instacart Mastercard® ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Instacart Mastercard®

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$300

Welcome Bonus

—

80,000 Airline

Earn Rates

Category	Instacart Mastercard®	United Quest Card
Instacart	5X	1X
United Airlines

Category-by-Category Winner

The United Quest Card wins in 3 of 5 categories. The Instacart Mastercard® leads in 2.

Instacart

Instacart Mastercard® earns 5X vs 1X

Gas Stations

Instacart Mastercard® earns 2X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Travel

United Quest Card earns 2X vs 1X

Is the Fee Difference Worth It?

The United Quest Card costs $300/yr — that's $300 more than the Instacart Mastercard® (no annual fee). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $300 gap is significant. Choose the United Quest Card only if you spend heavily on united purchases and united airlines and will use its premium benefits regularly — otherwise the Instacart Mastercard® delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Instacart Mastercard® means losing:

The Bottom Line

The Instacart Mastercard® has a lower annual fee ($0 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Instacart Mastercard® if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Instacart Mastercard® or United Quest Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Instacart Mastercard® have that the United Quest Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the United Quest Card offers travel credits.
Should I get the Instacart Mastercard® or the United Quest Card?: Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Chase Freedom Unlimited vs United Quest Delta Skymiles Gold vs United Quest Delta Skymiles Platinum vs United Quest Marriott Bonvoy Bold vs United Quest

Explore More

Instacart Mastercard® — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Instacart Mastercard® vs United Quest Card

The Instacart Mastercard® ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Instacart Mastercard®

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$300

Welcome Bonus

—

80,000 Airline

Earn Rates

Category	Instacart Mastercard®	United Quest Card
Instacart	5X	1X
United Airlines

Category-by-Category Winner

The United Quest Card wins in 3 of 5 categories. The Instacart Mastercard® leads in 2.

Instacart

Instacart Mastercard® earns 5X vs 1X

Gas Stations

Instacart Mastercard® earns 2X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Travel

United Quest Card earns 2X vs 1X

Is the Fee Difference Worth It?

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Instacart Mastercard® means losing:

The Bottom Line

The Instacart Mastercard® has a lower annual fee ($0 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Instacart Mastercard® if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Instacart Mastercard® or United Quest Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Instacart Mastercard® have that the United Quest Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the United Quest Card offers travel credits.
Should I get the Instacart Mastercard® or the United Quest Card?: Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Chase Freedom Unlimited vs United Quest Delta Skymiles Gold vs United Quest Delta Skymiles Platinum vs United Quest Marriott Bonvoy Bold vs United Quest

Explore More

Instacart Mastercard® — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Instacart Mastercard® vs United Quest Card

The Instacart Mastercard® ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Instacart Mastercard®

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$300

Welcome Bonus

—

80,000 Airline

Earn Rates

Category	Instacart Mastercard®	United Quest Card
Instacart	5X	1X
United Airlines

Category-by-Category Winner

The United Quest Card wins in 3 of 5 categories. The Instacart Mastercard® leads in 2.

Instacart

Instacart Mastercard® earns 5X vs 1X

Gas Stations

Instacart Mastercard® earns 2X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Travel

United Quest Card earns 2X vs 1X

Is the Fee Difference Worth It?

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Instacart Mastercard® means losing:

The Bottom Line

The Instacart Mastercard® has a lower annual fee ($0 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Instacart Mastercard® if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Instacart Mastercard® or United Quest Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Instacart Mastercard® have that the United Quest Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the United Quest Card offers travel credits.
Should I get the Instacart Mastercard® or the United Quest Card?: Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Chase Freedom Unlimited vs United Quest Delta Skymiles Gold vs United Quest Delta Skymiles Platinum vs United Quest Marriott Bonvoy Bold vs United Quest

Explore More

Instacart Mastercard® — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Free checked bags

Pros & Cons

Pros

—

+Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
+$200 annual TravelBank credit effectively reduces fee to $150
+$180/year in Instacart credits ($15/month through 2027)
+10,000-mile award discount annually plus another 10K after $20K spend
+Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

—

−$350 annual fee is substantial without lounge access
−TravelBank credits only work on United/United Express flights
−PQP earning cap of 18,000 limits status acceleration potential
−2x on non-United travel is lower than some competitors
−Instacart credits expire December 2027

-Annual travel credit
-Travel insurance
-Free checked bags

Which Card Is Right for You?

Get the Instacart Mastercard® if you:

+Want strong rewards without a large annual fee commitment

Get the United Quest Card if you:

+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Free checked bags

Pros & Cons

Pros

—

+Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
+$200 annual TravelBank credit effectively reduces fee to $150
+$180/year in Instacart credits ($15/month through 2027)
+10,000-mile award discount annually plus another 10K after $20K spend
+Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

—

−$350 annual fee is substantial without lounge access
−TravelBank credits only work on United/United Express flights
−PQP earning cap of 18,000 limits status acceleration potential
−2x on non-United travel is lower than some competitors
−Instacart credits expire December 2027

-Annual travel credit
-Travel insurance
-Free checked bags

Which Card Is Right for You?

Get the Instacart Mastercard® if you:

+Want strong rewards without a large annual fee commitment

Get the United Quest Card if you:

+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Free checked bags

Pros & Cons

Pros

—

+Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
+$200 annual TravelBank credit effectively reduces fee to $150
+$180/year in Instacart credits ($15/month through 2027)
+10,000-mile award discount annually plus another 10K after $20K spend
+Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

—

−$350 annual fee is substantial without lounge access
−TravelBank credits only work on United/United Express flights
−PQP earning cap of 18,000 limits status acceleration potential
−2x on non-United travel is lower than some competitors
−Instacart credits expire December 2027

-Annual travel credit
-Travel insurance
-Free checked bags

Which Card Is Right for You?

Get the Instacart Mastercard® if you:

+Want strong rewards without a large annual fee commitment

Get the United Quest Card if you:

+Travel enough to fully use annual credits and premium perks